Last updated on May 19, 2025
Last updated on May 19, 2025
| Monthly fee | Per purchase |
| $0 | $0 |
| ATM withdrawal | Add cash at stores |
| $2.50* in-network | $3.95* |
| $2.50* out-of-network |
| ATM balance inquiry (in-network or out-of-network) | $0 |
| Customer service (automated or live agent) | $0 |
| Inactivity | $0 |
We charge 7 other types of fees. Here are some of them:
| Electronic withdrawal (standard / Instant Transfer) | $0 / 1.75% (min. $0.25/max. $25) |
| Buying or selling a cryptocurrency | 2.20%* |
*This fee can be lower depending on how and where this account is used.
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No overdraft/credit feature. If you have opened a PayPal Debit Card Mastercard® account, enrolled in Direct Deposit, or bought or received cryptocurrency with your personal PayPal Balance account, we will place your U.S. dollar PayPal Balance funds in one or more Program Banks, where they will, subject to certain conditions, be eligible for pass-through FDIC insurance, up to applicable limits. FDIC insurance protects you against the failure of a Program Bank, not the failure of PayPal. PayPal is not a bank, does not take deposits and is not FDIC insured. Any other balance funds and all cryptocurrencies are not held in FDIC-insured bank deposits. Cryptocurrencies may lose value. See PayPal Balance Terms and Conditions. | |
| For general information about prepaid accounts, visit cfpb.gov/prepaid. Find details and conditions for all fees and services in the PayPal Balance Long Form, which can be accessed in the applicable Terms and Conditions on PayPal.com. |