PayPal, in a bit, provides seamless transactions making it possible for users to link their debit cards and banks to their accounts.
However, most users have encountered errors and difficulties while trying to link their bank account to PayPal.
Asides from the advantage of moving funds easily to your bank account, linking your bank account to your PayPal account increases your sending and withdrawal limit.
So, if you’re wondering why you can’t link your bank account to your PayPal? It’s probably because of erroneous information provided in your account and card, trying to link an unsupported bank, the bank has been linked to a permanently disabled account, and the bank is currently linked to an active PayPal account.
In this article, we’ll explore more on why you can’t link your bank to PayPal and provide tips you can implement to make it work.
Why I can’t link my bank account to PayPal?
There are several reasons why you may be unable to link your bank account to your PayPal account.
Here are some common reasons why this might happen:
- The bank must be the same as the PayPal country. USA, UK, Canada, Iceland, Lesotho, etc.
- The name on your PayPal must match the one on the bank account
- The bank account is already linked to a functional PayPal account
- The bank account has been linked to more than 3 accounts in its lifetime.
- The bank is currently on a permanently disabled PayPal
- Bank Incompatibility
- Limitations on PayPal account
- The bank is closed or frozen
Above are the required criteria you’ve to check before you can successfully link a bank account to PayPal.
The issuing bank you’re trying to link must be in the same country where the country was created for it to be a success.
You’ll also make sure the details on the card correspond with those on the bank or most times PayPal will ask you to verify by receiving a code from your bank.
Also, you’ve to ensure the bank hasn’t been linked to more than 3 PayPal accounts previously or has any affiliation with a disabled PayPal account.
In addition, the status of your PayPal account should be considered as you might find it hard to link a bank account to PayPal even after the 180-day wait period.
What to Do if you can’t link your Bank Account to PayPal
Here are some fixes to consider if you find it hard to link your bank account to your PayPal account.
1. Insufficient personal information
In order to link your bank account to PayPal, you need to provide certain personal information, such as your name, address, and date of birth. If this information does not match what your bank has on file, you may be unable to link your account.
2. Incorrect bank account information
It is important to double-check the bank account information you provide to PayPal, as any errors can prevent the linking process from being successful.
Make sure you have entered the correct account number and type, routing number, and bank name.
3. Avoid Erroneous Details
If the details of your PayPal and that of the bank account don’t tally then you’ll encounter issues.
4. Link a bank issued in the targeted country
If you’re making use of a USA PayPal then it’s ideal to link a bank issued in the USA to it.
Trying to link a bank issued in Iceland or UK could be worrisome as you’ll need to undergo some level of verification to do this.
5. Remove Bank Account from the previously linked PayPal account
Before you try to link a bank account to a new account, do well to unlink it from other PayPal accounts to prevent issues like this one.
6. Your bank does not support electronic transfers
You’ve to contact your issuing bank to confirm this, but the truth is that not all banks allow electronic transfers.
Do well to check for their transaction limit and also if they do support linking and transfers from PayPal.
7. Link a new bank
If your bank has been closed, frozen, or stuck to a permanently disabled PayPal account then the ideal thing to do is to open a new bank account.
This should resolve your problem.
8. PayPal Limitations
In some cases, PayPal may place limitations on your account that prevent you from linking a bank account.
This could be due to a violation of PayPal’s terms of service or a high risk of fraud. If this is the case, you will need to contact PayPal’s customer service to resolve the issue.
9. Contact PayPal Support
Most times you can link a bank account linked to a permanently disabled account to a new PayPal with the help of PayPal Support.
You can reach out to them via live chat or call and explain the situation at hand and they’ll see to it.
You can also table any other issue you experienced during the process and they’ll give you a helping hand.
FAQs
Why can’t I link my debit card to PayPal?
The major reasons why you’re unable to link your debit card to PayPal is because of Inaccurate card details or mismatched in your PayPal details to your bank statement details.
Conclusion
If you are having trouble linking your bank account to PayPal, it is important to carefully review the information you have provided and make sure there are no errors.
If you are still unable to link your account, you may need to contact PayPal’s customer service or your bank for further assistance.
