Last Updated: 04/06/2026
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Highlights
Welcome Offer
N/A(Verified 04/06/2026)
Cashback Rewards
Up to 5%
Disclaimer popup with additional information
APY (Annual Percentage Yield)
N/A(Verified 04/06/2026)
Monthly Service Fee
$0(Verified 04/06/2026)
Disclaimer popup with additional information
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.
- 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?
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 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?
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 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?
The customer support email for PayPal Debit Card is service@paypal.com.
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.
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.
5% back (earned as points) you redeem at checkout or for other options on up to
$1,000 spend/month in your selected category everywhere Mastercard is
accepted. Terms apply.
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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Learn MoreSuperMoney Net Recommendation Score
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