How to Transfer PayPal to Cash App Without Bank Account

Directly transferring funds between PayPal and Cash App is not possible. A workaround involves using a linked debit card as an intermediary. This process requires linking the same debit card to both your PayPal and Cash App accounts, allowing you to move funds from PayPal to the debit card and then to Cash App.

Preparing Your Accounts for Transfer

Before initiating any transfer, ensure a debit card is linked and verified within both your PayPal and Cash App accounts. This foundational step establishes the critical connection needed for the two-stage transfer process.

To link a debit card to your PayPal account, access the “Wallet” section in the PayPal app or website. Select “Link a debit or credit card” and enter the card’s details: the 16-digit card number, expiration date, and security code (CVV). PayPal may initiate a small, temporary charge to verify the card’s validity. This charge will appear on your debit card statement with a code you will enter into PayPal to complete the verification.

To link the debit card to your Cash App account, tap the profile icon and navigate to the “Linked Banks” section. Select “Link Debit Card” and input the required card information: the debit card number, expiration date, CVV, and your postal code. Cash App might also require verification by requesting you to enter small deposit amounts that appear on your bank statement. Completing these linking steps ensures both platforms recognize the debit card as a valid funding source or destination.

Executing the Transfer via Debit Card

With the debit card linked and verified on both PayPal and Cash App, the transfer process can be executed in two stages. This method leverages the debit card as a temporary holding place for your funds, circumventing the direct transfer limitation between the two services.

First, transfer money from your PayPal balance to your linked debit card. In the PayPal app or website, locate your PayPal balance and select the “Transfer Money” option. Choose to withdraw funds to your linked debit card, specifying the amount. PayPal offers an “Instant Transfer” option, which typically processes the transfer to your debit card within minutes.

Once the funds have arrived on your debit card, add them to your Cash App balance. Open the Cash App and tap the “Money” tab. Select “Add Cash” and choose the desired amount to transfer from your linked debit card. Confirm the transaction, and the funds will generally be added to your Cash App balance instantly.

Key Considerations for Smooth Transfers

Understanding the various practical aspects of these transfers, such as associated costs, limits, and processing times, helps manage expectations and ensures a more efficient experience. Being aware of these details can prevent unexpected issues and optimize the transfer process.

When performing instant transfers from PayPal to a debit card, a fee is typically applied. This fee is generally 1.75% of the transferred amount, with a minimum charge of $0.25 and a maximum of $25 for USD withdrawals. Cash App generally does not charge a fee for adding funds using a linked debit card.

Both PayPal and Cash App implement transfer limits that users should be aware of. For PayPal, the daily transfer limit to a debit card is typically up to $5,000, with a weekly limit of $5,000 and a monthly limit of $15,000. Cash App also has limits on how much can be added to an account, which can vary based on account verification status. Users can often check their specific limits within each app’s settings or profile section.

Instant transfers from PayPal to a debit card usually complete within minutes, generally not exceeding 30 minutes. Similarly, once funds are on the debit card, transferring them to Cash App is typically instant. To maintain account security, it is advisable to use strong, unique passwords for both PayPal and Cash App and enable two-factor authentication (2FA). Regularly reviewing transaction history and being cautious of phishing attempts also contributes to safeguarding your financial accounts.