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How to Withdraw Money from PayPal: 7 Methods (Complete 2025 Guide) - goldiesmithusa - 07-02-2025

Looking to withdraw money from PayPal in a way that fits your schedule and fees? You’re not alone. With over 426 million users worldwide, PayPal’s versatility has made it a top choice for freelancers, business owners, and everyday consumers. If you need a refresher on adding funds before taking them out, check out our guide on adding money to PayPal without a bank account. This article covers fees, timelines, and security checks for 2025 so you can get your funds quickly and effectively—no matter which withdrawal method you choose.
Understanding PayPal Withdrawals in 2025
PayPal currently holds about 45% of the global payments market share and processes trillions in payment volume every year. As of 2025, several factors shape the withdrawal experience:
  • Flexible Options: You can withdraw using standard bank transfers, instant transfer to a debit card, checks, PayPal debit cards, and more.
  • Regional Variations: Some withdrawal methods aren’t available in every country, particularly checks and cryptocurrency features.
  • Security Measures: PayPal requests account verification—like linking a bank account or supplying ID—to reduce fraud. Verified users often access higher withdrawal limits.
  • Fees & Wait Times: Standard transfers are generally free but can take a couple of business days. Faster methods may charge a small percentage.
If you’re juggling personal versus business transactions, you might be curious about the differences between the two. Check out this comparison on PayPal Business vs. Personal accounts to determine which setup aligns better with your withdrawal preferences.
PayPal Withdrawal Fees and Limits
PayPal’s fees vary by method:
  • Standard Bank Transfer: Typically free in most regions. Processing time is 1–3 business days.
  • Instant Transfer: Often about 1% of the amount, capped at a set fee. Funds can arrive within minutes.
  • Check by Mail: Around $1.50 per check in the U.S., with delivery in 5–10 business days.
  • PayPal Debit Card ATM Withdrawals: ATM fees vary. Daily limits often hover around $400 USD.
  • Currency Conversion: Usually 3–4% above the base exchange rate for cross-border or multi-currency withdrawals.
  • PayPal Withdrawal Limits: There can be daily or per-transaction limits (e.g., $5,000 for instant transfers). Unverified accounts may have lower limits.
7 Methods to Withdraw Money from PayPal
1. Standard Bank Transfer
What It Is
This is the go-to choice for most users. You move money from your PayPal balance to a linked bank account, waiting about 1–3 business days for processing.
How It Works
  1. Log into PayPal and select Transfer Money or Withdraw.
  2. Pick your linked bank account.
  3. Enter the amount to transfer and confirm.
Pros
  • Almost always free.
  • Widely available.
Cons
  • Takes a few days.
  • Requires a verified bank account in the same name as your PayPal account.
2. Instant Transfer to Bank or Debit Card
What It Is
If you need quick access to funds—with minimal wait—instant transfer could be your best bet. Many users find this valuable, despite a small percentage fee.
How It Works
  1. Log in and choose Instant Transfer.
  2. Pick an eligible bank account or card.
  3. Pay the fee (usually 1% of the amount).
Pros
  • Money arrives within minutes (up to 30).
  • Ideal for emergencies or quick bill payments.
Cons
  • Carries fees you won’t see with standard transfers.
  • Not available for all bank accounts or card issuers.
3. Check by Mail
What It Is
PayPal can mail you a paper check. This is handy if linking a bank account isn’t possible or if you prefer a tangible payment form.
How It Works
  1. Request a check from your PayPal dashboard.
  2. Confirm the mailing address.
  3. Wait 5–10 business days to receive it.
Pros
  • Straightforward for users who appreciate paper transactions.
  • Good fallback if you don’t have a bank or card option.
Cons
  • Delivery fees may apply.
  • Not available in all countries.
  • Processing and mailing can take up to two weeks or more outside the U.S.
4. PayPal Debit Card (Business Accounts)
What It Is
U.S.-based business accounts (and selected other regions) can use a PayPal Debit Card to withdraw directly at ATMs or spend PayPal funds offline.
How It Works
  1. Order the PayPal Debit Card if eligible.
  2. Activate the card and set a PIN.
  3. Withdraw from ATMs up to your daily limit (often $400 USD).
Pros
  • Immediate access to your balance.
  • Convenient payment method for everyday expenses.
Cons
  • Fees from ATM operators may apply.
  • Only for certain account types and regions.
5. PayPal Credit Card
What It Is
Some users and businesses may qualify for a PayPal-branded credit card, which you can pay off from your PayPal balance.
How It Works
  1. Apply for a PayPal Credit Card if offered in your location.
  2. Upon approval, purchases and cash advances can be repaid using PayPal funds.
Pros
  • Lets you link your PayPal balance to a credit line.
  • Potential cashback or rewards.
Cons
  • Approval depends on credit checks.
  • Cash advance fees and interest may offset benefits.
6. Cryptocurrency Withdrawal (If Supported)
What It Is
In select regions, PayPal allows cryptocurrency holdings (e.g., Bitcoin, Ethereum). Users can often sell crypto and move the resulting fiat to a bank or card.
How It Works:-
  1. Open PayPal’s Crypto section.
  2. Sell your crypto for a supported currency (USD, for example).
  3. Withdraw the converted balance via standard or instant transfer.
Pros
  • Extends PayPal’s functionality beyond fiat.
  • Allows near-real-time conversions depending on crypto market activity.
Cons
  • Not available everywhere.
  • Involves potential crypto trading fees plus usual withdrawal charges.
7. Mobile Wallet Transfer (e.g., Apple Pay or Google Pay)
What It Is
Linking PayPal to a mobile wallet is another direct route to spend or move funds. Some wallets allow transferring balances from PayPal for in-store transactions.
How It Works
  1. Access PayPal in your wallet settings (e.g., Apple Pay).
  2. Authorize PayPal as a source of funds.
  3. Move money to your wallet balance or use PayPal at checkout.
Pros
  • Convenient mobile-based solution.
  • Quick for everyday payments.
Cons
  • Exact features vary by wallet.
  • Not all wallets permit cash-out to bank accounts.
International Withdrawals and Currency Conversion
Cross-border withdrawals are a major driver for PayPal transactions. In 2024, about 17% of PayPal’s total volume was international. If you’re transferring to a non-domestic bank, watch for:
  • Currency Conversion Fees: Often 3–4% above wholesale rates.
  • Extended Timelines: International bank transfers sometimes take 3–5 business days.
  • Verification: PayPal might request additional documents for cross-border transactions to reduce fraud.
For high-volume merchants, the cumulative conversion fees can become significant. Some businesses use alternative platforms to reduce markups.
Mural Pay: A Business-Focused Alternative
While PayPal is widely known, some business owners prefer solutions like Mural Pay for specialized features. Mural Pay supports batch payments to multiple recipients, stablecoin on/off-ramps for countries like those in LATAM, and robust currency conversion tools. This can be pivotal if you’re looking for:
  • Faster Cross-Border Funding: Mural Pay settles multi-currency payouts quickly.
  • Compliance: It includes full KYB/KYC integration for businesses dealing with large contractor networks.
  • Cost Efficiency: Many companies find Mural Pay’s FX rates more attractive than typical providers.

Frequently Asked Questions:-
How long does a PayPal standard bank withdrawal actually take?
In most cases, you’ll see funds in 1–3 business days, though it can stretch to 5 days if there’s a weekend or a security hold.

Do all PayPal users have withdrawal limits?
Yes. Limits differ based on verification level, history, and location. Instant transfers, for example, might be capped at $5,000 per transaction.

Why can’t I find PayPal checks as an option?
Check withdrawals aren’t available in all countries. If you have a business or personal account in a region that restricts check issuance, the feature won’t appear.

I’m withdrawing in a different currency—will I see a conversion fee?
Yes. PayPal’s conversion fees typically run 3–4% above base exchange rates. This can add up for large transfers.

Is PayPal still competitive compared to newer services?
It depends on your volume and location. PayPal stands out for accessibility and ease, but alternatives like Mural Pay, Wise, and others may be cheaper for frequent cross-border payouts.
Final Insights
Choosing how to withdraw your PayPal balance hinges on your location, time sensitivity, and cost tolerance. For a straightforward process with minimal fees, standard bank transfers are a longtime favorite. Meanwhile, instant transfers can save precious hours if you’re willing to absorb a small percentage fee. PayPal debit and credit options bring convenience to business account holders, especially those in the U.S. If you’re venturing internationally, be mindful of currency conversion fees and potential delays.