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

Get the AppSign Up
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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.

Sign Up

Link your cards and bank account

Securely store all your preferred ways to pay—from a and credit cards to your bank accounts.

Add Cards and Bank Accounts
Using your credit card through your PayPal wallet may impact your rights under Section 75 of the Consumer Credit Act.2

Make sure you’ve got the app

Pay, send, and get paid fast. Pay now or pay later—all from one account.1

Get the App

Join the rewards revolution

PayPal+ is the loyalty programme built to give you more points in more ways.3

Use them just about anywhere you shop. And it’s all for free with no fees or caps.

Get PayPal+ For FreeMore About PayPal+
PayPal+ terms and conditions apply

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. Around the world. If they've got PayPal checkout, you're good to go.

No Fees

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, transfer to your bank, and more.

Get the App

Get even more

out of PayPal

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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?

Choose Pay in 3.6

Paying with PayPalPay in 3

Pay it safe with built-in security

Count on peace of mind when you make payments. Your transactions are encrypted.

Learn About PayPal Security

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.