Why Can’t I link my Bank Account to PayPal

PayPal, in a bid to provide seamless transactions, makes it possible for users to link their debit cards and banks to their accounts.

However, most users have encountered errors and difficulties while linking 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 is currently linked to an active PayPal account.

In this article, we’ll explore 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?

You may be unable to link your bank account to your PayPal account for several reasons.

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 criteria you must 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 linking your bank account to your PayPal account hard.

1. Insufficient personal information

To link your bank account to PayPal, you must 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.

Ensure you have entered the correct account number and type, routing number, and bank name.

3. Avoid Erroneous Details

If your PayPal and bank account details don’t tally, you’ll encounter issues.

4. Link a bank issued in the targeted country

If you’re using USA PayPal, linking a bank issued in the USA is ideal.

Trying to link a bank issued in Iceland or the UK could be worrisome as you’ll need to undergo some verification.

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.

Check for their transaction limit and if they 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 open a new one.

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 so, contact PayPal’s customer service to resolve the issue.

9. Contact PayPal Support

You can often link a bank account linked to a permanently disabled account to a new PayPal with the help of PayPal Support.

You can contact them via live chat or call and explain the situation, 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.


Why can’t I link my debit card to PayPal?

The major reasons you’re unable to link your debit card to PayPal is because of Inaccurate card details or mismatched in your Payment to your bank statement details.


If you are having trouble linking your bank account to PayPal, it is important to carefully review the information you provided and ensure there are no errors.

If you cannot link your account, you may need to contact PayPal’s customer service or your bank for further assistance.

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