How Do You Get Funds From PayPal? A Comprehensive Guide to Cashing Out

Picture this: Sarah, a talented freelance graphic designer, just delivered an amazing website redesign to a client across the country. The client, thrilled with the outcome, promptly paid her a significant sum via PayPal. Sarah sees that healthy balance in her account, a well-deserved reward for her hard work. But now comes the practical question, the one many of us have faced: “How do you actually get funds from PayPal into your pocket or bank account?” She needs that money for rent, groceries, and maybe a little treat for herself. The digital dollars are great, but real-world expenses require real-world cash.

Well, Sarah, and anyone else wondering the same thing, you’re in luck. Getting funds from PayPal primarily involves a few straightforward methods: transferring them to a linked bank account, moving them to a debit card for instant access, or utilizing a PayPal-branded card like the PayPal Cash Card or the PayPal Business Debit Mastercard. Each pathway offers distinct advantages in terms of speed, cost, and convenience, ensuring you can access your money in a way that best suits your needs.

Having navigated the world of online payments and freelancing myself for years, I’ve personally experienced the relief of a successful PayPal payment and the slight head-scratching that can follow when it’s time to cash out. From quick transfers for urgent bills to more strategic moves for business expenses, understanding these options is key to effectively managing your money. Let’s dive deep into how you can transform your PayPal balance into accessible funds.

Understanding Your PayPal Balance: Where Does the Money Sit?

Before we explore the “how,” it’s helpful to understand the “what.” When someone pays you through PayPal, the money doesn’t magically appear in your traditional bank account. Instead, it resides in your PayPal balance, a sort of digital wallet within the PayPal ecosystem. This balance is readily available for various uses, such as making online purchases, sending money to others, or, our main focus, withdrawing it.

Sometimes, however, you might notice that funds aren’t immediately available. This can happen if PayPal places a hold on a payment, often for security reasons or if you’re a new seller. Pending transactions, buyer disputes, or payments awaiting verification can also affect your immediate available balance. It’s crucial to understand that a verified PayPal account, which usually involves linking and confirming a bank account or providing identifying information, is fundamental to accessing your funds with fewer limitations and greater ease.

The Primary Pathways to Your Funds: Detailed Withdrawal Methods

PayPal offers several robust options to get your money out of your digital wallet and into your hands. Let’s break down each one, discussing their mechanisms, typical speeds, and any associated costs.

Transferring to a Linked Bank Account

This is, without a doubt, the most common and often the most cost-effective method for moving funds from PayPal. It integrates your PayPal balance directly with your traditional banking system.

Standard Bank Transfer (ACH)

The standard bank transfer, often referred to as an ACH (Automated Clearing House) transfer, is the default method for moving money from PayPal to your bank. It’s reliable and widely used across the U.S.

• Speed: Typically, a standard transfer takes 1 to 3 business days to complete. Keep in mind that “business days” usually exclude weekends and national holidays. So, if you initiate a transfer on a Friday evening, it might not arrive until the following Tuesday or Wednesday.
• Fees: The best part about standard bank transfers? They are usually free. This makes them the go-to option when time isn’t an absolute critical factor.
• Requirements: You must have a bank account linked and confirmed with your PayPal account. This usually involves PayPal making two small deposits (micro-deposits) into your bank account, which you then verify on the PayPal website to confirm ownership.

Detailed Steps for a Standard Bank Transfer:

1. Log In to Your PayPal Account: Head to paypal.com or open the PayPal mobile app and log in securely.
2. Navigate to Your Wallet: On the web interface, look for “Wallet” at the top of the page. In the app, you’ll usually find your balance prominently displayed, and tapping it will lead you to options to “Transfer” or “Withdraw.”
3. Select “Transfer Money”: Below your PayPal balance, you’ll see an option like “Transfer Money” or “Withdraw Money.” Click on it.
4. Choose Your Transfer Method: You’ll be presented with options. Select “Transfer to your bank account.”
5. Select Your Linked Bank Account: If you have multiple bank accounts linked, choose the one you want the funds sent to. If you haven’t linked one yet, you’ll be prompted to do so.
6. Enter the Amount: Specify how much you want to transfer. You can choose to transfer the full available balance or a partial amount.
7. Review and Confirm: Double-check all the details – the amount, the destination bank account, and any stated fees (which should be zero for standard transfers). Once you’re satisfied, confirm the transfer.

You’ll usually receive an email confirmation from PayPal, and you can track the status of your transfer in your PayPal activity history.

Instant Bank Transfer (if available)

For those times when you absolutely need the money sooner rather than later, PayPal often offers an instant transfer option directly to your bank account.

• Speed: As the name suggests, these transfers are typically completed within minutes, often appearing in your bank account almost immediately, even on weekends and holidays.
• Fees: Unlike standard transfers, instant bank transfers come with a fee. This fee is usually a percentage of the transfer amount (e.g., 1.75%), with a minimum and maximum cap (e.g., minimum $0.25, maximum $25.00). It’s crucial to check the exact fee displayed before confirming your transfer.
• Availability: While many major banks support instant transfers, it’s not universally available for all financial institutions or all account types. Your bank needs to be set up to receive these faster payments.

The steps for an instant bank transfer are virtually identical to the standard transfer, but when prompted, you’ll select the “Instant” option and review the associated fee before confirming.

Transferring to a Linked Debit Card

Another increasingly popular way to get quick access to your PayPal funds is by transferring them directly to a linked debit card. This method combines speed with convenience, as most people already carry a debit card.

• Speed: Similar to instant bank transfers, transfers to a debit card are generally completed within minutes, making your funds available for immediate use or ATM withdrawal via your debit card.
• Fees: This method also incurs a fee, typically a percentage of the transfer amount, with similar minimum and maximum caps as instant bank transfers (e.g., 1.75%, Min $0.25, Max $25.00).
• Eligibility: Most Visa and Mastercard debit cards issued by U.S. banks are eligible for this service. Prepaid debit cards might not always work, so it’s best to check with your card issuer.

Detailed Steps for Transferring to a Linked Debit Card:

1. Log In to Your PayPal Account: As before, log in to your PayPal account.
2. Navigate to Your Wallet: Go to the “Wallet” section.
3. Select “Transfer Money”: Click on the transfer or withdraw money option.
4. Choose “Transfer to your debit card”: Select this option from the choices presented. If you haven’t linked a debit card, you’ll be prompted to add one by entering its details (card number, expiry date, CVV).
5. Select Your Linked Debit Card: Choose the debit card you wish to send the funds to.
6. Enter the Amount: Input the amount you want to transfer.
7. Review and Confirm: Carefully review the amount, the destination debit card, and especially the transfer fee. Confirm the transaction.

In my experience, transferring to a debit card is incredibly convenient for those unexpected expenses where a few dollars make a big difference, or when you just don’t want to wait for an ACH transfer.

Using the PayPal Cash Card or PayPal Debit Card

For individuals and businesses that frequently receive funds via PayPal, having a dedicated PayPal-branded card can offer immediate, direct access to your balance without needing to initiate separate transfers.

PayPal Cash Card

The PayPal Cash Card is essentially a prepaid Mastercard that’s directly linked to your PayPal balance. It’s designed for personal use and offers a seamless way to spend your funds.

• Functionality: It acts just like a regular debit card. You can use it to make purchases online or in stores wherever Mastercard is accepted.
• ATMs: You can also use your PayPal Cash Card to withdraw cash from ATMs. Be aware that ATM operators typically charge a fee for withdrawals, and PayPal may also have its own fees for ATM usage.
• How to Get It: You can apply for a PayPal Cash Card through your PayPal account, usually in the “Wallet” or “Cards” section. Approval typically requires a verified PayPal account.
• Benefits: The major benefit is instant access. Your PayPal balance is immediately available on the card, bypassing transfer waiting times. It’s a physical manifestation of your digital funds.

PayPal Business Debit Mastercard

For business account holders, the PayPal Business Debit Mastercard offers similar functionality but with added perks tailored for business needs.

• Functionality: This card also links directly to your PayPal business balance, allowing you to spend funds, pay vendors, and make purchases anywhere Mastercard is accepted.
• ATMs: Like the Cash Card, it supports ATM withdrawals. While ATM operators will charge fees, PayPal often offers cashback rewards (e.g., 1%) on eligible purchases made with the card, which can help offset some costs.
• How to Get It: Apply through your PayPal Business account. It’s a fantastic tool for managing business finances directly from your PayPal funds.

Personally, the PayPal Business Debit Mastercard has been a game-changer for my freelance operations. It means I don’t have to wait for funds to clear my bank account before paying for software subscriptions, marketing tools, or even a quick coffee while working. It streamlines my business spending significantly.

Requesting a Check by Mail

While certainly not the quickest or most efficient method, PayPal does offer the option to request a physical check to be mailed to your address. This is often seen as a last resort, but it’s an option nonetheless.

• Speed: This is the slowest method. Expect your check to take 1 to 2 weeks for delivery via postal service, plus additional time for your bank to clear the check once you deposit it.
• Fees: There’s typically a flat fee associated with requesting a check (e.g., $1.50).
• Requirements: Your mailing address must be confirmed on your PayPal account.

Detailed Steps for Requesting a Check by Mail:

1. Log In to Your PayPal Account: Access your PayPal account.
2. Navigate to Your Wallet: Go to the “Wallet” section.
3. Select “Transfer Money”: Click on the transfer/withdraw money option.
4. Look for “Request a check by mail”: This option might be less prominent and could be found under “More options” or similar links, as it’s not the primary withdrawal method.
5. Confirm Address and Amount: Verify that your mailing address is correct and enter the amount you wish to withdraw.
6. Review and Confirm: Check the details, including the fee, and confirm your request.

I can honestly say I’ve never personally used this method. The slow delivery time and the fee make it less appealing compared to the speed and often free nature of bank transfers. It’s usually reserved for situations where other digital methods aren’t feasible for some reason.

Understanding Fees and Limits: What You Need to Know

When you’re trying to get your funds from PayPal, understanding the associated fees and any withdrawal limits is paramount. It ensures you don’t encounter unexpected charges or find yourself unable to access the amount you need.

Fee Structure Overview

PayPal’s fee structure for withdrawals is generally straightforward:

• Standard Bank Transfers: Typically free. This is why it’s often the preferred method when you’re not in a rush.
• Instant Transfers (Bank or Debit Card): These convenience-driven options incur a percentage-based fee. For example, it might be 1.75% of the transfer amount, with a minimum fee (e.g., $0.25) and a maximum cap (e.g., $25.00). Always verify the exact fee presented to you before confirming an instant transfer.
• Check Withdrawals: A flat fee applies, usually a nominal amount like $1.50 per check.
• ATM Withdrawals with PayPal Cards: When using a PayPal Cash Card or Business Debit Mastercard at an ATM, you’ll likely face two types of fees: an ATM operator fee (charged by the bank that owns the ATM) and potentially a fee from PayPal itself for out-of-network ATM usage. Some PayPal cards might offer rebates on certain ATM fees.
• Foreign Currency Conversion Fees: If you receive funds in a foreign currency and wish to withdraw them to a U.S. dollar bank account, PayPal will convert the currency and apply a conversion fee based on their exchange rates.

Withdrawal Limits

PayPal implements withdrawal limits for security and regulatory compliance. These limits can vary significantly based on your account’s verification status and your transaction history.

• Unverified Accounts: If your PayPal account isn’t fully verified, your withdrawal limits will be severely restricted. This is PayPal’s way of ensuring they know who is moving money and to prevent fraudulent activity. You might be limited to withdrawing only a few hundred dollars per month.
• Verified Accounts: Once your account is fully verified (by linking and confirming a bank account, providing your Social Security Number or EIN, and confirming your identity), your withdrawal limits increase substantially. While there are still daily, weekly, and monthly caps, these are typically high enough for most users to manage their funds effectively. For example, a verified account might be able to transfer $25,000 in a single standard bank transfer or $5,000 per instant transfer.

To increase your limits, the best course of action is to complete all verification steps requested by PayPal. This usually involves linking and confirming a bank account, and sometimes providing personal identification details. These measures are in place for your security and to comply with financial regulations.

Here’s a quick overview of typical speeds and fees:

Note: All fees and limits are subject to change by PayPal and may vary based on your account type, country, and specific circumstances. Always check PayPal’s official terms and conditions for the most current information.

Crucial Steps for a Smooth Withdrawal Experience

To ensure your journey from PayPal balance to accessible funds is as smooth as possible, a few foundational steps are absolutely essential.

Verify Your PayPal Account

This cannot be stressed enough. An unverified PayPal account is like trying to drive a car with the emergency brake on – you can move, but you’re severely restricted. Verification is crucial for several reasons:

• Higher Limits: Verified accounts enjoy significantly higher sending, receiving, and withdrawal limits, allowing you to manage larger sums of money without hitting roadblocks.
• Enhanced Security: It adds a layer of security, protecting your account from unauthorized access and fraudulent activity.
• Full Feature Access: Many PayPal features, including certain withdrawal options, are only available to verified accounts.

The verification process usually involves linking and confirming a bank account, providing your Social Security Number (for individuals) or Employer Identification Number (for businesses), and sometimes submitting identification documents.

Link and Confirm Your Bank Account or Debit Card

Whether you plan on standard or instant transfers, a securely linked financial instrument is non-negotiable. For bank accounts, this typically involves the micro-deposit method, where PayPal sends two small, random amounts (e.g., $0.05 and $0.13) to your bank account. You then log back into PayPal and enter these exact amounts to confirm that you own the account. This simple yet effective step prevents others from linking their accounts to your PayPal.

For debit cards, you usually just enter the card number, expiry date, and security code, and PayPal may make a small temporary authorization charge to confirm the card is active.

Maintain Sufficient Balance

This might seem obvious, but it’s important to remember that you can only withdraw what’s actually available in your PayPal balance. If you’re planning an instant transfer, ensure your balance covers both the desired transfer amount and the associated fee. If your balance is exactly $100 and the fee is $1.75, you won’t be able to withdraw the full $100; you’ll need at least $101.75 to cover both.

Keep Your Information Updated

Always ensure your personal details on PayPal – your mailing address, phone number, and email – are current. This is vital for security, for receiving important notifications about your account or transfers, and especially for methods like receiving a check by mail. Outdated information can lead to delays or even lost funds.

Troubleshooting Common Withdrawal Issues

Even with the best preparation, sometimes things don’t go exactly as planned. Here are some common issues you might encounter when trying to get funds from PayPal and how to address them.

Funds are On Hold or Pending

This is a frequent concern, especially for new sellers or those dealing with high-value transactions. PayPal places funds on hold as a security measure to ensure transactions are legitimate and completed successfully.

• Why it Happens: Common reasons include being a new seller with limited history, selling high-risk items (e.g., electronics), a sudden increase in sales volume, or a payment that PayPal flags as potentially unusual or risky. Buyer disputes can also lead to funds being held.
• How to Resolve:
• For Item Sales: Ship the item quickly and provide tracking information to PayPal. Funds are often released within 24 hours of delivery confirmation.
• For Services or Digital Goods: Mark the order as “processed” or “completed” within your PayPal account. If possible, encourage the buyer to confirm receipt of service/goods.
• For Disputes: Engage with the buyer and PayPal’s Resolution Center to resolve the issue promptly. Funds remain on hold until a resolution is reached.
• General Holds: Sometimes, you just need to wait. PayPal typically releases funds within 21 days if there are no issues and the transaction proceeds smoothly.

Withdrawal Declined

If your withdrawal attempt is declined, it can be frustrating, but there are usually clear reasons.

• Common Reasons:
  • Incorrect Bank/Debit Card Details: Double-check the routing and account numbers, or your card number and expiry. Even a single digit error can cause a decline.
  • Exceeding Limits: You might have hit your daily, weekly, or monthly withdrawal limits, especially if your account isn’t fully verified.
  • Security Flags: PayPal’s internal security systems might flag a transaction as unusual, leading to a temporary block.
  • Unverified Account: As mentioned, unverified accounts have severe restrictions.
  • Bank Issues: Occasionally, the issue might be on your bank’s end (e.g., their system is down, or they have their own receiving limits).
• What to Do:
  • Double-Check Information: Verify all linked bank account or debit card details in your PayPal wallet.
  • Review Limits: Check your PayPal account limits and see if you’ve exceeded them. Consider reducing the withdrawal amount or waiting until your limits reset.
  • Contact PayPal Support: If you’ve checked everything and can’t find the reason, reach out to PayPal customer service. They can look into the specific reason for the decline.
  • Contact Your Bank: If PayPal indicates the issue might be with your bank, give your bank a call to inquire if they’re blocking the incoming transfer.

Transfer is Delayed

While instant transfers are usually quick, and standard transfers have a predictable timeline, delays can still occur.

• Common Reasons:
  • Bank Processing Times: Even within the 1-3 business day window, some banks process incoming transfers faster than others.
  • Weekends and Holidays: Transfers initiated on Fridays or just before a holiday will naturally take longer, as banks don’t process on non-business days.
  • Large Amounts: Very large transfers might sometimes undergo additional scrutiny, leading to slight delays.
  • Unforeseen Technical Issues: Rare, but technical glitches can happen on either PayPal’s or your bank’s side.
• What to Do:
  • Check PayPal’s Activity: Ensure the transfer status in your PayPal account shows “Completed” or “Processing.” If it’s still showing as pending, the delay is on PayPal’s end.
  • Consult Your Bank: If PayPal shows the transfer as completed, but it hasn’t appeared in your bank account after the expected timeframe, contact your bank. Provide them with the transaction ID from PayPal.
  • Wait a Bit Longer: For standard transfers, it’s generally advisable to wait the full 3-5 business days before raising an alarm, accounting for all non-business days.

Missing Funds After Withdrawal

This is a serious concern that thankfully is rare, but if it happens, prompt action is needed.

• What to Do:
  • Check All Linked Accounts: First, ensure you haven’t mistakenly sent the funds to a different linked bank account or debit card if you have multiple connected to PayPal.
  • Review Bank Statements: Thoroughly check your bank statement for the exact period. Sometimes, transfers appear with slightly different descriptions than expected.
  • Contact PayPal Support Immediately: If you’ve checked everything and the funds are genuinely missing, contact PayPal’s customer service without delay. Provide them with all relevant transaction IDs and details. They have the tools to trace the funds.
  • Inform Your Bank: While PayPal investigates, it’s also wise to inform your bank about the missing transfer from PayPal.

Beyond Direct Withdrawals: Indirect Ways to Use Your PayPal Balance

While the focus of this article is explicitly “how to get funds *from* PayPal,” it’s worth noting that you don’t always need to transfer the money out to use it effectively. Sometimes, spending your PayPal balance directly can be a more immediate form of “getting” value from it.

Making Online Purchases

One of the most straightforward ways to use your PayPal balance is to spend it directly at checkout with millions of online retailers. When you pay with PayPal, if you have a sufficient balance, PayPal will typically use those funds first before dipping into any linked bank accounts or credit cards. This means you’re effectively “cashing out” your balance by converting it into goods or services without any withdrawal fees or waiting periods.

Sending Money to Friends and Family

You can also send money to friends and family using your PayPal balance. While this isn’t a direct withdrawal to your own account, it can be an indirect way to access cash if, for example, you send money to a trusted friend who then gives you the equivalent amount in physical cash or via another payment method outside of PayPal. Be cautious with this method; frequent transfers of large sums to individuals for non-personal reasons can sometimes raise flags with PayPal’s security systems.

Maximizing Your PayPal Experience: Tips for Efficiency

To make the most of your PayPal funds and ensure smooth, efficient access, consider these tips:

• Utilize the PayPal Mobile App: The app makes managing your funds incredibly convenient. You can initiate transfers, check your balance, and track transactions on the go, anytime, anywhere.
• Set Up Recurring Payments: If you regularly transfer a fixed amount from PayPal to your bank account, check if your bank allows you to set up recurring transfers from a linked PayPal account. While PayPal itself doesn’t offer direct recurring withdrawals to your bank, some third-party integrations or bank features might support this.
• Regularly Review Your Transaction History: Keep an eye on your PayPal activity. This helps you spot unauthorized transactions quickly, track the status of your withdrawals, and reconcile your finances.
• Stay Informed on Policy Updates: PayPal’s policies regarding fees, limits, and withdrawal methods can change. Periodically reviewing their official terms and conditions or keeping an eye on their announcements can prevent surprises.
• Prioritize Verification: Seriously, if you’re planning on using PayPal regularly, get your account fully verified. It reduces headaches and expands your capabilities immensely.

Frequently Asked Questions (FAQ)

Can I withdraw funds from PayPal to an unverified bank account?

Generally, no, you cannot directly withdraw funds from PayPal to a bank account that has not been fully linked and confirmed. PayPal requires bank accounts to be linked and confirmed to ensure both security and compliance with financial regulations, aiming to prevent fraud and money laundering. While you might be able to *link* an account by entering its routing and account numbers, you typically cannot initiate a withdrawal until it has gone through the full confirmation process.

This confirmation usually involves PayPal sending small micro-deposits (e.g., a few cents) to your bank account, which you then verify by entering the exact amounts back into your PayPal profile. Furthermore, even if a bank account is linked but the PayPal account itself remains unverified, you will face severe limitations on sending, receiving, and withdrawing money, often rendering effective fund transfers practically impossible. The verification step is a crucial safeguard designed to protect both you and the PayPal ecosystem from illicit activities, ensuring that funds are transferred to the rightful owner.

Why are my funds on hold, and how long will it take to get them?

Funds on hold are a common occurrence on PayPal, especially for new sellers, high-value transactions, or payments that PayPal’s security system identifies as potentially risky. This is primarily a security measure designed to protect both buyers and sellers and ensure that transactions are completed as expected. Common reasons for funds being held include a new selling history with PayPal, a significant increase in your sales volume, selling high-risk items (like event tickets or electronics), or if a buyer reports a problem with a transaction.

The standard hold period typically lasts up to 21 days. However, you can often expedite the release of these funds. For item sales, providing valid tracking information that shows delivery can trigger an earlier release, usually within 24 hours of the item being delivered. For services or digital goods, marking the order as “processed” or “completed” within your PayPal account, and ideally having the buyer confirm receipt, can also speed up the process. If there’s an ongoing buyer dispute, funds may remain on hold until that issue is formally resolved. Always providing complete and accurate transaction details, and responding promptly to any PayPal requests for information, is the best practice to get your funds released as quickly as possible.

Is there a daily limit to how much I can withdraw from PayPal?

Yes, PayPal does impose daily, weekly, and monthly withdrawal limits, though these limits are not static and can vary significantly based on several factors. Your account type (personal vs. business), your account’s verification status, and your historical transaction activity all play a role in determining your specific limits. For accounts that are unverified, these limits are extremely low, often only a few hundred dollars per month, making them impractical for regular use.

Once your PayPal account is fully verified – by linking and confirming a bank account, providing your Social Security Number or EIN, and sometimes additional identification – your withdrawal limits will increase substantially. For instance, verified users might be able to transfer several thousands of dollars per day to a linked bank account, with even higher aggregate limits for monthly transfers. Instant transfer options to bank accounts or debit cards also have their own per-transaction and daily limits, which are often lower than those for standard bank transfers. To find the most accurate and up-to-date information relevant to your specific account, it’s always best to log into your PayPal profile and check the “Wallet” or “Money” section, where your personalized limits are usually displayed.

What happens if I try to withdraw more money than I have in my PayPal balance?

If you attempt to withdraw more money than your available PayPal balance, the transaction will simply fail. PayPal’s system is designed to prevent you from going into a negative balance through a withdrawal. You will typically receive an error message indicating insufficient funds or a similar notification, prompting you to adjust the withdrawal amount to match what’s actually available in your account.

It’s also important to remember to account for any associated fees if you’re using an instant transfer method or requesting a check. These fees are deducted from your PayPal balance. For example, if you have exactly $100 and try to withdraw $100 via an instant transfer that has a $1.75 fee, the withdrawal will fail because your balance isn’t sufficient to cover both the principal amount and the fee. Always ensure your available PayPal balance comfortably covers the total sum of the desired transfer amount plus any applicable fees to avoid processing hiccups and ensure a smooth transaction.

Can I use PayPal to get cash from an ATM without a PayPal card?

No, you generally cannot withdraw physical cash directly from an ATM using only your PayPal balance without a physical PayPal-branded card. ATMs are designed to interface with physical debit or credit cards that have a magnetic stripe or chip to process transactions. Your PayPal balance, on the other hand, exists digitally within your online account and is not directly accessible at an ATM in the same way funds in a traditional bank account are without an associated card.

If your goal is to get cash from an ATM using your PayPal funds, you would first need to either transfer the money from your PayPal balance to a linked bank account or debit card, and then use your regular bank’s debit card at the ATM. Alternatively, you could apply for and receive a PayPal-branded card, such as the PayPal Cash Card or the PayPal Business Debit Mastercard. These cards link directly to your PayPal balance and function like standard debit cards, allowing you to make ATM withdrawals (subject to ATM operator fees and potential PayPal fees). Without one of these physical cards, direct ATM cash withdrawal from your PayPal balance is not possible.