Last Updated: 03/26/2026
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Highlights
Welcome Offer
Cashback Rewards
APY (Annual Percentage Yield)
Monthly Service Fee
PayPal Debit Card Review
Key Takeaways
- Stack rewards with other offers. Find offers from top brands in the PayPal app. Simply choose a monthly category to earn 5% back (earned as points), save relevant offers in your category in the PayPal app, and checkout with the PayPal Debit Card online through PayPal checkout.
- 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.
- Soft credit pull. PayPal Inc will not perform a hard credit pull when you open an account.
PayPal Debit Card Pros & Cons
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PayPal Debit Card FAQ
Are PayPal Debit Card deposits federally insured?
If you have opened a PayPal Debit Card Mastercard® account, PayPal places 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.What APY does PayPal Debit Card offer?
What are the account minimums for PayPal Debit Card?
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| Minimum Opening Deposit | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does PayPal Debit Card charge?
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| Monthly Service 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?
- Mobile Banking Services - PayPal Debit Card allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
- Soft credit pull - PayPal Debit Card performs a soft credit pull so you can check whether you qualify without hurting your credit.
What is the customer support email for PayPal Debit Card?
PayPal Debit Card Disclosure: The PayPal Debit Mastercard® is issued by The Bancorp Bank, N.A. (“The Bancorp”) pursuant to a license by Mastercard International Incorporated. 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. Stacked Offers disclosure: Offers are subject to availability. Redeem points at checkout and for other options. PayPal Rewards terms and merchant offer terms and exclusions apply. Offers change often, so refer to the merchant site for the most accurate information. We may earn a commission when you make a purchase. PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance Account. See PayPal Balance Terms and Conditions.
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.