PayPal is an online payment system and digital wallet that allows you to send and receive money. You need to have your own account details on Wise to link them to PayPal.
Learn how to open account details
Before you start: Personal vs. Business accounts
It's important to use the correct account for your payments. PayPal payments for goods, services, or freelancing are considered business payments.
You must use a Wise Business account to receive business payments. For personal payments, like from friends and family, you should use your Wise Personal account.
What currencies can I send between PayPal and Wise?
You can manage a number of currencies on your PayPal account, but the available transfer options depend on where you live. In general, you can send money from PayPal to Wise, if your local currency is supported by PayPal and Wise offers local account details for that currency.
In some countries you can select USD as an alternative currency and link your Wise USD details to PayPal. For transfers made in USD, PayPal may charge extra fees.
How do I link my Wise account to PayPal?
The exact steps to link your bank account will depend on where you live. For the most up-to-date guide, we recommend visiting the PayPal Help Centre.
On your PayPal, you need to select the option to link your bank account. This usually leads to a list of local banks you can choose from. For now, Wise won’t be appearing on this list, but it doesn’t mean you can’t link your Wise account. In most currencies, you can manually add bank details.
When you type in your account details, you’ll see either 'Wise', or our banking partner’s name appear. For some currencies, PayPal asks you to verify your account with microdeposits or via Direct Debit.
What if I have trouble linking my USD account?
Some customers report having trouble linking their Wise USD account details. This can happen if a platform doesn't easily recognise multi-currency account details.
If you see an error, the simplest alternative is to use your Wise card.
Can I use my Wise card instead?
Yes, in most countries, a simpler option is to link your Wise card to your PayPal account. You can use it to top-up your balance or to receive money.
These transactions are usually instant, but keep in mind that PayPal may charge you additional fees for sending money to your Wise card details.
What details should I use for other currencies?
PayPal requires you to link account details that are in the same country as your PayPal account. For example, if you have a UK PayPal account, you can only link your GBP account details.
Below are the general rules for each currency we support. Please note that your PayPal account may work differently:
| Your local currency on PayPal | How to link with Wise |
|---|---|
| AUD, HUF | You can manually type in your Wise account details. |
| CAD, GBP, MYR, NZD, USD | Wise won't be shown on the list of available banks, but you can select Manually add your bank account and use your Wise details. |
| EUR | In some Eurozone countries, you can link your Wise details manually. In others you may need to reach out to PayPal support to link them for you. |
| PHP | Use the 01828-001-6 bank code to manually link your Wise PHP account. |
| SGD | Linking isn't possible at the moment. |
What if I need help?
In some cases, PayPal will tell you that you can only link an account if you contact their customer service. You can also reach out to them for further assistance if you’re having trouble linking your accounts.
We won’t be able to directly help with your PayPal account, but if your Wise account details aren’t accepted by PayPal or any other platform, let us know. Simply go to your account details on Wise, click on Tell us where at the bottom of the page and fill the form. The information you provide will help us improve.