How PayPal works
Your PayPal journey starts here.
Join the millions of people who trust PayPal to send, spend, and manage their money quickly and securely.1
PayPal helps simplify your life
Create your account
Start with your email and phone number. Then create a password. We’ll walk you through it.
Link your cards and bank account
Securely store all your preferred ways to pay—from debit and credit cards to your bank accounts.
Make sure you’ve got the app
Pay, send, and get paid fast. Pay now or pay later—all from one account.1
The rewards programme that changes everything
PayPal+ is the rewards programme built to give you more points in more ways2. Use them when you check out with PayPal at millions of merchants around the world. And it’s all for free with no fees or caps.
Earn
Turn pounds into points on pretty much everything you buy with PayPal. Even get points when you send money abroad.1
Redeem
Your favourite shops. Your go-to brands. Everywhere around the world. If they've got PayPal checkout, you're good to go.
No Limits
No gotchas, no catches. Just points, for everything that counts.
Level Up
As your points add up, you unlock Gold and Black tiers that recognise your loyalty with even bigger rewards.
Send and receive money securely
Join the millions who trust PayPal to send to friends across the globe.1
Send money to friends & family abroad in over 110 countries - or get more delivery options with Xoom. Fees and restrictions apply.4
Shop, donate, transfer to your bank, and more.
Get even more out of PayPal
Split bills
Easily split any shared expense - from the dinner bill to rent — amongst multiple people.
Pool money
Easily pool money with friends for group gifts, trips, and more5.
Check out with more choices
Load your PayPal app with your cards and banks, and skip entering your info every time you pay. Need some extra time? Split the cost with Pay in 3. Or use Pay in 30 to enjoy it now and pay for it later.6,7
Pay it safe with built-in security
Count on peace of mind when you make payments. Your transactions are encrypted.
Frequently asked questions
All in the
PayPal app
Simply and securely manage all of your transactions from one trustworthy place and get access to incredible rewards. Download the new app on your phone or sign up for free online.