![]() Reloading your PayPal balance requires funds to do so, regardless of what method you use to access your balance. Last, if you are using the PayPal Cash Card as your primary checking account, you will incur a $4.95 cash reload fee for adding cash to your PayPal balance – ouch! The easiest way to avoid this one hefty fee is to reload your balance through PayPal gift cards instead of cash – particularly if you can get those gift cards for free. However, a 1% transfer fee (up to $10) applies for transfers to your bank account using the card (that fee is waived if you instead transfer the funds through PayPal directly and don’t use their Instant Transfer service). When you link a checking account to your PayPal account through direct deposit, you can also use the card to access your checking account balance as well as your PayPal account balance for free. Cardholders can withdraw up to $400 USD from MoneyPass ATMs in the United States without incurring fees (non-MoneyPass ATM withdrawals incur a $2.50 fee per transaction and Foreign Transaction Fees apply to international withdrawals). Here, the PayPal prepaid MasterCard definitely checks the box. While almost any financial institution will have some fees associated with their accounts, one important characteristic of a financially smart debit card is the ability to conduct most standard checking account functions (transfer money, take cash from the ATM, use as a credit card) without incurring any fees. Once the gift card balance is added to your account, you can access the funds through a transfer to your bank account, or by using the PayPal Cash Card at ATMs or anywhere Mastercard is accepted. PayPal Gift Cards hold a monetary balance, between $10 and $500, that can instantly be transferred to your PayPal account. ![]() Whether or not the PayPal Cash Card is right for you, funding your PayPal account with PayPal gift cards is a no brainer, especially if you can get them for free. The PayPal Cash Card is not a gift card with a separate balance beyond what’s already in your account. The card has minimal fees and is a great tool for expanding the places where you can spend your PayPal account balance. It is accepted everywhere Mastercard is accepted, allowing you to withdraw cash from ATMs worldwide and use for restaurants or instore purchases like any other card. The card functions like a debit card tied to your PayPal balance, with overdraft protection provided by your linked bank account (essentially a PayPal prepaid Mastercard). offers the PayPal Cash Card to users who have a linked bank account or debit card associated with their account. Let’s start with a few definitions, so we’re all on the same page. Use your Paypal cash card to shop for things that make you happy. ![]() This article is here to tell you how you can get the most out of your account and some easy and fast ways to get PayPal cash for free. Getting PayPal Cash gift cards for free makes that last step a breeze. Of course, adding money to your PayPal account balance is only as easy as it is to get the necessary funds in the first place. You can easily use PayPal to pay from your Google or Apple smartphones, making a physical wallet much less of a necessity than it used to be. Whether in-store, at ATMs or in online checkout carts. PayPal is the most trusted name in digital currency and they are constantly making it easier than ever for you to securely access your funds wherever you need them. Less and less friction, as economists would say. From gold coins to paper bills to electronic funds, the way we transfer money is always getting more efficient. What does continue to evolve is how we carry that cash. Sorry, not sorry, Facebook, we’re not giving up our bank account for a virtual bag full of “Libre” anytime soon. The flexibility and universal acceptance of actual dollars make it impossible to imagine a life where we leave cash beyond. In a world filled with gift cards, store credit, coupons, and rebates, cold hard cash is still king.
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