How To Send Money From Zelle To Paypal



In the ever-evolving digital age, sending and receiving money online has become more convenient than ever before. Two popular platforms for online transactions are Zelle and PayPal. Zelle is a peer-to-peer payment service that allows users in the United States to send money directly from their bank account to another person’s bank account. PayPal, on the other hand, is a widely used online payment system that enables individuals and businesses to make and receive payments worldwide.

Whether you need to pay a friend back for dinner, split rent with your roommates, or purchase goods and services, Zelle and PayPal offer fast and secure ways to transfer funds. While they both have their own unique features and benefits, you may find yourself wondering how to link these two platforms and transfer money seamlessly between them. In this article, we will guide you through the process of linking your Zelle and PayPal accounts and show you how to send money from Zelle to PayPal with ease.

Before we dive into the specifics, it’s important to note that Zelle and PayPal are separate payment systems, and transactions between them cannot be processed directly. However, with a few extra steps, you can transfer funds from your Zelle account to your PayPal account.

Whether you’re a regular user of Zelle and PayPal or new to these platforms, understanding how to link and utilize them together can save you time and effort. Let’s explore the necessary steps to connect your Zelle and PayPal accounts and learn how to send money seamlessly between them.


How to Link Your Zelle and PayPal Accounts

To begin using Zelle to send money to your PayPal account, you first need to link the two accounts. Follow these steps to connect your Zelle and PayPal accounts seamlessly:

  1. Ensure that you have an active Zelle account and a verified PayPal account.
  2. Log in to your PayPal account using your credentials.
  3. Navigate to the “Wallet” tab in your PayPal account.
  4. Click on the option to “Link a Bank Account”
  5. Enter the required details of your bank account, including the bank name, account number, and routing number.
  6. PayPal will then make two small deposits to your bank account within a few business days. Once these deposits appear, verify them in your PayPal account to confirm the linkage.
  7. Next, open the Zelle app or log in to your Zelle account via your online banking portal.
  8. Navigate to the “Profile” or “Settings” section of the Zelle app.
  9. Click on the option to “Link a Bank Account” or “Add Bank Account.”
  10. Provide the necessary information, including your bank’s name, account number, and routing number. Confirm the linkage by verifying the test deposit made by Zelle.
  11. Once the accounts are successfully linked, you can now transfer funds from Zelle to PayPal.

By following these steps and successfully linking your Zelle and PayPal accounts, you unlock the ability to seamlessly transfer money between the two platforms. Let’s explore how to send money from Zelle to PayPal in the next section.


Sending Money from Zelle to PayPal

Once you have linked your Zelle and PayPal accounts, you can easily transfer money from Zelle to PayPal. Although direct transfers between the two platforms are not possible, you can use an intermediary bank account or a debit card to facilitate the transfer. Follow these steps to send money from Zelle to PayPal:

  1. Open your Zelle app or log in to your Zelle account via your online banking portal.
  2. Select the option to “Send Money” or “Transfer Funds.”
  3. Choose the bank account linked to your Zelle account as the source account.
  4. Enter the amount you want to transfer from Zelle to PayPal.
  5. Confirm the transfer by providing any additional required information, such as the recipient’s email address linked to their PayPal account.
  6. Review the details and ensure all information is accurate.
  7. Authorize and complete the transfer.

After completing these steps, the funds from your Zelle account will be transferred to your intermediary bank account. From there, you can add the same bank account or debit card to your PayPal account and transfer the funds accordingly. It’s important to note that transfer times may vary depending on the banks involved and any additional verification steps required by PayPal.

To add the funds to your PayPal account from your intermediary bank account, follow these steps:

  1. Log in to your PayPal account.
  2. Navigate to the “Wallet” tab.
  3. Select the option to “Link a Bank Account” if you haven’t done so already.
  4. Enter the required details of your intermediary bank account, including the account number and routing number.
  5. Verify the account with PayPal by confirming the small test deposits made to your bank account.
  6. Once the account is successfully linked, you can transfer the funds from the intermediary bank account to your PayPal balance.

By following these steps, you can successfully transfer money from Zelle to PayPal. Keep in mind that transaction fees may apply, which we will discuss in the next section.


Zelle and PayPal Transaction Fees

When using Zelle and PayPal to transfer money, you may encounter transaction fees, although the specific fees and policies can vary. Let’s take a closer look at the transaction fee details for both platforms:

Zelle: Most banks offer Zelle as a free service, allowing users to send and receive money without any fees. However, it’s crucial to check with your specific bank to confirm whether they impose any charges for Zelle transactions. Some banks may have certain limitations or fees associated with Zelle, such as daily transfer limits or fees for using Zelle with non-participating banks.

PayPal: PayPal has a straightforward fee structure, which primarily depends on the type of transaction and the country of origin. In general, sending money to family and friends within the United States is usually free if you use your PayPal balance or a linked bank account. However, if you use a credit or debit card, there may be a small percentage-based fee.

For receiving money, PayPal charges a standard fee for certain types of transactions. For example, if you sell goods or services, you may incur a small fee based on the total transaction amount. It’s essential to review PayPal’s fee schedule or consult their customer support for specific details regarding transaction fees.

Keep in mind that transaction fees and policies are subject to change, so it’s recommended to stay updated on the latest information from both Zelle and PayPal. Always review the terms and conditions of each platform before initiating any transfers to understand any associated fees.

Now that we’ve covered the transaction fees, let’s explore some security tips to ensure you’re using Zelle and PayPal safely.


Security Tips for Using Zelle and PayPal

While Zelle and PayPal prioritize the security of their platforms, it’s essential for users to take necessary precautions to ensure safe and secure transactions. Here are some security tips to keep in mind when using Zelle and PayPal:

  1. Use strong and unique passwords: Create strong passwords that include a combination of letters, numbers, and symbols. Avoid using easily guessable passwords and consider using a password manager to securely store your login credentials.
  2. Enable two-factor authentication (2FA): Enable 2FA for an added layer of security. This requires you to provide a secondary verification code, usually sent to your mobile device, in addition to your password when logging in.
  3. Verify transaction details: Before confirming any transactions, double-check the recipient’s information, such as their email address or phone number, to ensure you’re sending funds to the correct person.
  4. Transact with trusted individuals and businesses: Only send money to individuals or businesses that you trust. Be cautious when dealing with unknown parties or suspicious requests.
  5. Keep your devices and software updated: Regularly update your devices and software to protect against potential vulnerabilities or security threats.
  6. Beware of phishing attempts: Be wary of phishing emails, messages, or websites that attempt to trick you into providing your login credentials or other personal information. Always verify the authenticity of any emails or messages you receive before clicking on links or providing sensitive information.
  7. Monitor your transactions: Regularly review your transaction history and account activity to identify any suspicious or unauthorized transactions. Report any fraudulent activity immediately to the respective platform’s customer support.
  8. Protect your login credentials: Never share your Zelle or PayPal login credentials with anyone. Additionally, avoid using public or shared devices to log in to your accounts.
  9. Educate yourself on security practices: Stay informed about the latest security practices and scams associated with online transactions. Be proactive in learning how to protect yourself and your financial information.

By following these security tips, you can minimize the risk of unauthorized access or fraudulent transactions while using Zelle and PayPal. Take the necessary precautions to safeguard your account and personal information for a safe and secure online payment experience.

Now that we’ve covered security tips, let’s wrap up this article and summarize the key points discussed.



In today’s digital landscape, having the ability to send money seamlessly between platforms like Zelle and PayPal offers convenience and flexibility. By following the steps outlined in this article, you can link your Zelle and PayPal accounts, allowing you to transfer funds from Zelle to PayPal effortlessly.

While direct transfers between Zelle and PayPal are not possible, using an intermediary bank account or a linked debit card provides a simple workaround to facilitate the transfer. However, it’s important to be aware of any potential transaction fees that may apply, both for Zelle and PayPal.

To ensure the security of your transactions, it is crucial to follow best practices. Use strong and unique passwords, enable two-factor authentication, and be cautious of phishing attempts. Regularly monitor your accounts and report any suspicious activity to the respective platforms’ customer support.

With the right knowledge and precautions, you can take full advantage of the convenience and security offered by Zelle and PayPal for sending and receiving money online. Whether you need to split expenses with friends or make purchases online, these platforms provide reliable and trusted methods to transfer funds.

Remember, always stay informed about the latest features and updates from Zelle and PayPal to make the most of these services. By utilizing the linking process and understanding how to transfer funds, you can leverage these platforms to simplify your financial transactions.

Now that you have a better understanding of how to link your Zelle and PayPal accounts and transfer funds between them, you’re well-equipped to make the most of these powerful payment platforms. Start exploring the countless possibilities and enjoy the convenience of seamless money transfers with Zelle and PayPal.

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