Share this article If you liked this article share it with your friends.

How Long Does PayPal Take to Send Money?

In today’s fast-paced digital world, the speed at which certain transactions occur has become a key consideration and PayPal is a favored choice for transferring money. However, a standard query among any regular PayPal user is: How long does PayPal take to send money?

This article delves into the various factors influencing PayPal transfer times, providing a comprehensive understanding of what to expect when sending money through this popular platform.

A woman using mobile payments

Sending money to a bank account

Once you’ve connected your bank account to your PayPal account, transferring money is as easy as sending an email. Generally, standard transfers of your PayPal balance arrive within a day or two, but it may take up to five business days.

However, your bank may assess a fee for receiving a standard transfer.

Transferring funds to a credit or debit card

You may have your money transferred from your PayPal account to a debit or credit card or your connected bank account in minutes. Therefore, PayPal transfers are ideal for urgent financial transactions.

However, this service costs 1.5% of the total amount being transferred.

Using a cheque

If it comes to a situation where you have to send money from PayPal via a cheque, it will cost you 1.50 USD in fees. In the United States, it typically takes between 5 and 10 business days to receive a cheque.

However, an additional layer of patience is required when sending cheques to international addresses. It’s advisable to allocate up to 45 days for the cheque to reach its intended destination to facilitate timely expectations.

An Easier Way: swissmoney App
An Easier Way: swissmoney App
Fiat or crypto, Android or iOS we promise you the best Swiss quality experience.
Get it now

PayPal Instant Transfer

With PayPal’s Instant Transfer feature, you may instantly move money from your PayPal accounts to your linked bank accounts, avoiding the customary payment delay. This money might be used to meet urgent financial obligations for you or your company.

How does PayPal Instant Transfer work?

When it comes to transferring money swiftly through PayPal, a few straightforward steps can get you on your way. To unlock this seemingly magical expedited access to funds, all it takes is two simple steps:

  1. Link an eligible bank account or debit card: As part of your business PayPal account setup, you’ll be prompted to link a bank account and/or a debit card. This facilitates quicker money transfers and lifts payment limits, maximizing the potential of your PayPal account.
  2. Click Transfer Money: Upon reaching the money transfer page, select your preferred withdrawal method and watch your funds journey to the designated destination.

Here you’ll be presented with three PayPal transfer options, each with its unique timeline:

  • Standard transfer: 1-3 business days.
  • Instant Transfer to bank account: 30 minutes or less.
  • Instant Transfer to debit card: 30 minutes or less.

PayPal Instant Transfer limits

When engaging with PayPal’s transfer services, it’s essential to be aware of the transaction limits associated with your chosen method, whether you’re directing funds to your bank account or debit card.

While these substantial limits may predominantly affect businesses necessitating larger withdrawals, they warrant attention for any urgent funds required for time-sensitive expenses.

For PayPal transfers to your eligible debit card, the ceiling remains standard:

  • $5,000 per transaction
  • $5,000 per day
  • $5,000 per week
  • $15,000 per month

Opting for an instant transfer to a linked bank account comes with an allowable limit of $25,000 per transaction.

Instant Transfer fees

While the standard transfer has no fees, it’s important to note that instant transfers come with a nominal fee attached.

When opting for this expedited service, PayPal levies a 1% fee based on the transferred amount. While PayPal is in high regard as an accredited payment processor, it’s worth noting their penchant for these occasional additional charges.

Fortunately, the fee is capped at a maximum of $10 as long as your transaction remains within the prescribed limits.

Compared to other alternatives like wire transfers, PayPal’s transaction fees are notably modest. For instance, the simple act of receiving money via a wire transfer can set you back a hefty $15.

Yet, even though PayPal’s Instant Transfer fees appear inconspicuous, they can accumulate over time. The key is to utilize Instant Transfer judiciously, reserving it for situations demanding immediacy.

Otherwise, the convenience fees incurred could significantly dent your overall profits.

An Easier Way: swissmoney App
An Easier Way: swissmoney App
Fiat or crypto, Android or iOS we promise you the best Swiss quality experience.
Get it now


Can PayPal Instant Transfer be used for international transactions?

Yes, a client from another country can use PayPal to pay you.

For added convenience, PayPal can automatically convert foreign money into your chosen currency. You can transfer money as soon as the funds are available in your PayPal balance.

How long does it take to transfer money internationally using PayPal?

When you transfer money internationally with PayPal, the recipient typically receives the money almost immediately. Withdrawals made from a bank account, on the other hand, often take a few days and may be subject to additional costs.

Why is the money I received on PayPal pending?

A pending PayPal payment indicates that funds have transitioned from the buyer’s account to the seller’s account, albeit without transferring to the seller’s bank account at this point.

PayPal may occasionally subject specific transactions to a review process to maintain security protocols. In cases where no fraudulent activity is detected, your funds will still be made available after a brief delay.

At times, delays may not be rooted in PayPal’s processes but instead attributed to your bank’s internal procedures. In such instances, reaching out to your bank for resolution steps becomes pivotal.

How to add money to your PayPal balance?

Your PayPal account balance can be increased by:

  • Your debit card (Visa or Mastercard)
  • A verified bank account

Transferring cash from a bank account to a PayPal account can take up to 5 business days. However, you can quickly add funds if you have a debit card.

To top off your PayPal account from your computer, follow these steps:

  1. Open your wallet.
  2. Select Transfer Money.
  3. Click Add money from your bank or debit card to proceed. Put the sum in the box.
  4. Choose In seconds with a debit or In 3-5 days with your bank.

Živilė Šarkauskaitė

Živilė is a writer with a diverse background, having worked with tech start-ups and pioneering brands across various industries. Her profound interest in progress and innovation drives her to the field of Fintech, a realm that sparks her curiosity and inspires her to share insights with others.

Get app
We use cookies

swissmoney companies use cookies to provide you with tailored information about our services and to improve the performance of our website and (or) app. If you agree to all cookies used, please click on the "Accept" button. If you wish to change your cookie settings, please click on the "Choose cookies" button, and if you wish to refuse all of these cookies, please click on the "Reject" button. Your cookie preferences will be stored for one year.

Important: Some cookies are essential for the proper functioning of this website. The use of these cookies is based on legitimate interest and therefore consent to their recording is not requested. For more information, see swissmoney Cookie Statement.