How PayPal works

Your PayPal journey starts here.

Join the millions of people who trust PayPal to send, spend, and manage their money quickly and securely.1

Get the AppSign Up
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PayPal helps

simplify your life

Create your account

Start with your email and phone number. Then create a password. We’ll walk you through it.

Sign Up

Link your cards and bank account

Securely store all your preferred ways to pay—from debit and credit cards to your bank accounts.

Add Cards and Bank Accounts
Using your credit card through your PayPal wallet may impact your rights under Section 75 of the Consumer Credit Act.2

Make sure you’ve got the app

Pay, send, and get paid fast. Pay now or pay later—all from one account.1

Get the App

Send and receive money securely

  • Join the millions who trust PayPal to send to friends across the globe.1

  • Send money to friends & family abroad in over 110 countries - or get more delivery options with Xoom. Fees and restrictions apply.3

  • Shop, donate, transfer to your bank, and more.

Get the App

Get even more

out of PayPal

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Check out with more choices

Load your PayPal app with your cards and banks, and skip entering your info every time you pay.

Need some extra time? Choose Pay in 3.5

Paying with PayPalPay in 3
Pay in 3 is an unregulated credit agreement, so you will have fewer protections under this agreement than you would under a regulated credit agreement. Carefully consider whether the purchase is affordable and how you will make the repayments. Be aware of the possible impact of using Pay in 3 and of missing payments, including making other borrowing more difficult or more expensive. You may find our Spend Smarter Guide helpful.

Pay it safe with built-in security

Count on peace of mind when you make payments. Your transactions are encrypted.

Learn About PayPal Security

Frequently asked questions

All

in the

PayPal app

Easily and securely spend, send, and manage your transactions—all in one place. Download the app on your phone or sign up for free online.