Simple. Smart. PayPal. Prepaid.

You can use the PayPal Prepaid MasterCard®, to eat, drink and shop everywhere Debit MasterCard is accepted.* Order online and there's no purchase fee to get the card.1

You must have a PayPal Account to have access to your PayPal Prepaid MasterCard transaction history and other online features.2

Get Your Card

Already have a PayPal Prepaid Card? Activate your Card Account here.2 It's easy.

Order online and pay no purchase fee to get the card. Score.

Activate it, load funds, shop. Load funds, shop. Load funds, shop…

Reload it online or at the nearest retail reload location.3

Load. Reload. Repeat.

We've made it easy to add money to your card. Use the no-cost direct deposit service and have access to your funds up to 2 days faster4 than what traditional banks offer. Make instant transfers5 from your PayPal Account to your Card Account.2 You can even add money at more than 130,000 NetSpend Reload Network locations nationwide.3

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Cash in on cool extras.

You can receive special offers and cash back rewards.6 And if you open an optional tiered-rate savings account through The Bancorp Bank, Member FDIC, you can earn up to 5.00% Annual Percentage Yield (APY) for balances up to $5,000.7 Plus, with the Refer-A-Friend program,8 for every friend you get to sign up, activate and load $10 on their Card, you'll both earn $5. How nice is that?

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160 million BFFs.

There are more than 160 million active PayPal Accounts around the globe tapping into a better way to pay.

Manage your money on the fly.

On the go? The PayPal Prepaid mobile app's got you covered.2 Check your account balance, review recent transactions, find a nearby reload location, or receive real-time activity alerts — all in a matter of seconds, all from your mobile phone.9

Download for Android | Download for iPhone®

Mobile App

Right this way to get your PayPal Prepaid Card.

Get Your Card

*IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver's license or other identifying documents.

In accordance with federal regulations, until it is activated and registered, a prepaid card is subject to initial load limitations, may not be used for ATM use, international transactions, account-to-account transfers, or be reloaded. Residents of the State of Vermont are ineligible to open a Card Account.

1Other costs, terms, and conditions are associated with the use and reloading of this Card Account. For a detailed list of fees, see the Cardholder Agreement.

2Use of this Card requires a PayPal Account. If you do not already have a PayPal Account you will link to this Card, visit to get one - or, get one when you activate this Card online. You will not be able to go online to access balance information, your transaction history, Instant Transfers, the mobile app, and the optional savings account unless you link a PayPal Account to this Card.

3A fee may be assessed by reload location and may vary from location to location.

4Faster access to funds is based on comparison of NetSpend's immediate availability policy versus the typical banking practice of only posting funds after settlement. Direct Deposit and earlier availability of funds are subject to payor's support of this feature and timing of payor's funding. Check with your payor to find out when the direct deposit of funds will start.

5Money transfers may only be made in the name of a valid PayPal Prepaid Cardholder and your PayPal Prepaid Card must be activated and linked with your PayPal Account at Only one (1) PayPal Prepaid Card may be linked to one (1) PayPal Account. If a member of your household has another PayPal Prepaid Account, another PayPal Account in that person's name is needed. Transfers from the PayPal Account to the PayPal Prepaid Card Account are limited to the amount of funds available in your PayPal Account and may not exceed $300 a day/$2,000 per rolling 30 days. Overdrafts are not available. Money cannot be moved directly from individual funding sources like credit or debit cards, bank accounts, etc., attached to the PayPal Account to the PayPal Prepaid Card Account. Transfers from the PayPal Account to the PayPal Prepaid Card Account cannot be reversed or canceled. The Bancorp Bank and MasterCard are not affiliated with, and neither endorse nor sponsor the online account to which various funding sources, including a PayPal Prepaid Card, may be linked.

6By activating and using a PayPal Prepaid MasterCard, your participation in the rewards program is automatically activated. However, you may opt-out of the program at any time by visiting the Rewards Summary Page in your Online Account Center at The reward offers we choose and send to you are based on your shopping habits. We will not share any personal information about you with the merchants who sponsor offers. When you activate an offer and make a purchase with the card, the merchant will not know you are a rewards program customer, but you will become their customer. For more details about how and when you get rewarded, see the program FAQs, terms and conditions in your Online Account Center. Cash back rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. Program sponsor: NetSpend Corporation. The Bancorp Bank and PayPal are not affiliated in any way with the program and neither endorse nor sponsor it.

7The Savings Account is made available to Cardholders through The Bancorp Bank; Member FDIC. To participate in the Savings Account program, Cardholder must (1) establish a PayPal Account at, or link this prepaid card to your existing PayPal Account and (2) consent to and continue receiving communications from us in electronic form. If Cardholder is subject to Internal Revenue Service backup withholding at the time of the request to open a Savings Account, the request will be declined. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.

  • If the Average Daily Balance is $5,000.00 or less, the interest rate paid on the entire balance will be 4.91% with an Annual Percentage Yield (APY) of 5.00%.
  • If the Average Daily Balance is more than $5,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $5,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of the Average Daily Balance which is $5,000.00 or less will be 4.91%. The APY for this tier will range from 5.00% to 0.72%, depending on the balance in the account.

The interest rates and APYs of each tier may change. The APYs were accurate as of June 22, 2015. These are promotional rates and may change without notice pursuant to applicable law. No minimum balance necessary to open Savings Account or obtain the yield(s). Because Savings Account funds are withdrawn through the Card Account (maximum 6 such transfers per calendar month), Card Account transaction fees could reduce the interest earned on the Savings Account. Card Account and Savings Account funds are FDIC-insured through The Bancorp Bank, Member FDIC upon verification of Cardholder's identity. For purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at The Bancorp Bank will be aggregated up to the coverage limit, currently $250,000.00.

8A Cardholder may receive an unlimited number of Refer-a-Friend rewards while program is available. No rewards credited to either party if referred individual had a PayPal Prepaid Card or any other NetSpend Prepaid Card that was used for a value load, purchase, cash withdrawal, or incurred a Balance Inquiry Fee at any time during the 180 calendar days before the day the $10 load requirement is fully met. Allow 2 business days for $5 credit to appear on each Card Account. If a cardholder accrues $600 or more in Refer-a-Friend rewards in a calendar year, NetSpend will mail cardholder an IRS Form 1099-MISC reflecting the total Refer-a-Friend rewards for such calendar year. Cardholder acknowledges that by referring a friend through this program, cardholder is releasing non-public information. Referred person acknowledges that payment of the referral may result in the cardholder's knowledge of referred person establishing an account with us. The Bancorp Bank and PayPal are not affiliated in any way with the Refer-a-Friend rewards program and do not endorse or sponsor the program.

9No charge for this service, but your wireless carrier may charge for messages or data.

The PayPal Prepaid MasterCard is issued by The Bancorp Bank, Member FDIC, pursuant to license by MasterCard International Incorporated. NetSpend, a TSYS® Company, is an authorized representative of The Bancorp Bank. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to funds availability and ID verification. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

PayPal and the PayPal logo are registered trademarks of PayPal, Inc. Designated trademarks and brands are the property of their respective owners.

© 2015 Total System Services, Inc. ® All rights reserved worldwide. TSYS and NetSpend are federally registered U.S. service marks of Total System Services, Inc. All other trademarks and service marks belong to their owners.