Last Updated: 05/21/2026
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Highlights
Welcome Offer
N/A(Verified 05/21/2026)
Rewards
Up to 5%
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APY (Annual Percentage Yield)
N/A(Verified 05/21/2026)
Monthly Maintenance Fee
$0(Verified 05/21/2026)
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PayPal Debit Card Review
The PayPal Debit Card is offered through PayPal Inc, founded in 1998 and based in San Jose, CA. It is made possible by a bank partnership with The PayPal Debit Mastercard® is issued by The Bancorp Bank, N.A. (“The Bancorp”) pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted.. PayPal Debit Card is available in 50 states and Washington, DC.
Key Takeaways
- Earn 5% back* on a category (earned as points) you choose each month on up to $1,000 of monthly category spend. Pick a category each month – Groceries, Fuel, Restaurants, Apparel, and Rideshare/Public Transit. Find the latest available categories in the PayPal app.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
PayPal Debit Card Pros & Cons
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PayPal Debit Card FAQ
Are PayPal Debit Card deposits federally insured?
No, your PayPal Inc checking accounts are not insured by a federal insurance agency. This means that if PayPal Inc were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.
What APY does PayPal Debit Card offer?
PayPal Debit Card is not an interest-bearing account.
What are the account minimums for PayPal Debit Card?
PayPal Debit Card does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does PayPal Debit Card charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $2.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does PayPal Debit Card offer?
This account includes the following features:
- Mobile Banking Services - PayPal Debit Card allows you to manage your money online or with a mobile app. This includes depositing checks* in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for PayPal Debit Card?
The customer support email for PayPal Debit Card is service@paypal.com.
PayPal Debit Card Disclosure: 1) The PayPal Debit Mastercard® is issued by The Bancorp Bank, N.A. (“The Bancorp”) pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal.
2) 5% back earned as points you redeem at checkout or for other options on up to $1000 category spend/month. Terms apply.” Terms apply should link to the existing hyperlink. which is paypal.com/rewardspal
3) Up to $3.95 cash reload fee applies. This service fee is to add cash into your PayPal Balance account.
4)
The Cash a Check feature is a service provided by Sunrise Banks, N.A. with support from Ingo Money, Inc., and is subject to separate Terms and Conditions and Privacy Policy. For additional details, including fees and limits, see PayPal Balance Terms and Conditions. All checks are subject to review and funding approval
5) ATMs must display the Mastercard®, Cirrus®, Pulse® or MoneyPass® acceptance marks. Up to $400 USD daily withdrawal limit applies. Transactions at non-MoneyPass ATMs have a $2.50 ATM Domestic and International Withdrawal Fee. No fee for MoneyPass ATM Withdrawals in the U.S. International Transaction Fee applies for International ATM Withdrawals. ATM operator fees may also apply. See Cardholder Agreement for details.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from PayPal Debit Card
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