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 a 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
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.
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 even more
out of PayPal
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
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.