Sending money from a Royal Bank of Scotland (RBS) account to PayPal isn't a direct process, but don't worry, there are several effective workarounds! Let's explore these methods together.
Step 1: Understanding the Limitations and Exploring Options
Have you ever tried to directly link your RBS account to PayPal and found it wasn't straightforward? You're not alone! PayPal often prefers direct links to bank accounts within the same region and might not readily support direct transfers from all international banks like RBS. However, this doesn't mean your money is stuck. We have a few reliable ways to bridge this gap.
Option 1: Using a Debit Card Linked to Your RBS Account
This is often the simplest and most direct method.
Step 2: Linking Your RBS Debit Card to Your PayPal Account
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Sub-step 2.1: Log in to your PayPal account. Open your web browser and navigate to the PayPal website (
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Sub-step 2.2: Navigate to the 'Wallet' section. Once logged in, look for the 'Wallet' tab or link. This is where you manage your payment methods.
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Sub-step 2.3: Link a debit or credit card. Click on the option to 'Link a card' or a similar button.
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Sub-step 2.4: Enter your RBS debit card details. You will be prompted to enter your card number, expiry date, CVV (the three-digit security code on the back of your card), and the billing address associated with your RBS account. Ensure all details are entered accurately.
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Sub-step 2.5: Save your card details. After entering the information, click 'Save' or 'Link Card'. PayPal may perform a small temporary charge to your card to verify it, which is usually refunded quickly.
Step 3: Sending Money via PayPal Using Your Linked RBS Debit Card
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Sub-step 3.1: Go to the 'Send & Request' section. On your PayPal dashboard, click on 'Send & Request'.
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Sub-step 3.2: Enter the recipient's details. Type in the recipient's name, email address, or mobile number associated with their PayPal account.
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Sub-step 3.3: Enter the amount and currency. Specify the amount of money you want to send and select the correct currency. Double-check the currency if you are sending internationally.
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Sub-step 3.4: Choose your payment method. You will see your linked RBS debit card as an option. Select it as your funding source.
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Sub-step 3.5: Review and confirm. Carefully review all the details, including the recipient, amount, and payment method. Once you are sure everything is correct, click 'Send'.
Option 2: Using a Bank Transfer to Your PayPal Account (If Available)
While direct linking might be limited, PayPal sometimes allows you to add funds to your PayPal balance via a bank transfer. This usually involves PayPal providing you with their bank details.
Step 4: Checking for the Bank Transfer Option in PayPal
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Sub-step 4.1: Log in to your PayPal account. As before, log in to your PayPal account.
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Sub-step 4.2: Look for the 'Add Funds' option. Navigate to your 'Wallet' or look for an option like 'Add Funds' or 'Top up'.
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Sub-step 4.3: Check for bank transfer details. If this option is available, PayPal will provide you with their bank name, account number, sort code, and possibly a reference number. Note these details carefully.
Step 5: Initiating a Bank Transfer from Your RBS Account
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Sub-step 5.1: Log in to your RBS online or mobile banking. Access your RBS online banking portal or mobile app.
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Sub-step 5.2: Navigate to the 'Payments' or 'Transfers' section. Look for options related to making new payments or transfers.
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Sub-step 5.3: Add a new payee. You will need to add PayPal as a new recipient. Enter the bank details provided by PayPal in the previous step. Make sure you enter the account number and sort code accurately.
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Sub-step 5.4: Enter the amount and reference. Specify the amount you want to transfer. Crucially, include the reference number provided by PayPal in the payment details. This helps PayPal identify and credit your account correctly.
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Sub-step 5.5: Review and confirm the transfer. Double-check all the details before confirming the transaction.
Step 6: Checking Your PayPal Balance
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Sub-step 6.1: Log back into your PayPal account. After initiating the bank transfer from RBS, log back into your PayPal account after a reasonable processing time (usually 1-3 business days).
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Sub-step 6.2: Check your PayPal balance. The transferred funds should now appear in your PayPal balance. You can then use this balance to make payments.
Option 3: Using a Third-Party Money Transfer Service
Several third-party services act as intermediaries, allowing you to send money from your RBS account to PayPal indirectly.
Step 7: Exploring Third-Party Services
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Sub-step 7.1: Research reputable services. Look for well-known and trusted money transfer services that support both RBS and PayPal. Examples might include (but are not limited to) Wise (formerly TransferWise), Remitly, or others.
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Sub-step 7.2: Check fees and exchange rates. Compare the fees and exchange rates offered by different services, as these can vary significantly.
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Sub-step 7.3: Understand the process. Each service will have its own specific steps, but generally, you will:
- Create an account with the third-party service.
- Link your RBS bank account to their platform.
- Specify the recipient's PayPal email address and the amount you want to send.
- The third-party service will then typically withdraw funds from your RBS account and send them to the recipient's PayPal account (either directly or by sending to their own intermediary account linked to PayPal).
Step 8: Following the Third-Party Service's Instructions
Carefully follow the instructions provided by your chosen third-party money transfer service to ensure a smooth transaction.
Important Considerations
- Fees: Be aware of potential fees charged by PayPal, RBS, or any third-party service involved.
- Exchange Rates: If you are sending money in a different currency, pay close attention to the exchange rates used, as these can impact the final amount received.
- Processing Times: Transfer times can vary depending on the method used. Debit card transactions are usually faster than bank transfers. Third-party services will provide their estimated processing times.
- Account Verification: Ensure both your RBS account and PayPal account are fully verified to avoid any limitations or delays.
- Security: Always use secure and trusted platforms for your financial transactions.
How to... Frequently Asked Questions
How to link my RBS debit card to PayPal? Log in to PayPal, go to 'Wallet', click 'Link a card', and enter your RBS debit card details.
How to find the 'Add Funds' option in PayPal? Log in to PayPal and look for 'Wallet' or an option like 'Add Funds' or 'Top up'.
How to find PayPal's bank transfer details? If available, PayPal will provide these details in the 'Add Funds' section of your account.
How to add a new payee in RBS online banking? Log in to your RBS online banking, navigate to 'Payments' or 'Transfers', and look for an option like 'Add new payee' or 'Add recipient'.
How to include a reference when transferring to PayPal? When initiating a bank transfer from RBS, there will be a field to add a reference. Enter the exact reference provided by PayPal.
How to check my linked cards in PayPal? Go to the 'Wallet' section in your PayPal account to see a list of your linked cards.
How to remove a linked card from PayPal? In the 'Wallet' section of your PayPal account, click on the card you want to remove and then click 'Remove card'.
How to find the fees for sending money on PayPal? PayPal's fees vary depending on the type of transaction and location. You can usually find fee details in their 'Help' section or during the transaction process.
How to contact PayPal support for help with linking my bank? Visit the PayPal website and go to their 'Help' or 'Contact Us' section to find ways to get in touch with their customer support.
How to use a third-party service to send money from RBS to PayPal? Research and choose a reputable third-party service, create an account, link your RBS bank account, and follow their specific instructions for sending money to a PayPal email address.
I hope this comprehensive guide helps you successfully send money from your RBS account to PayPal! Let me know if you have any more questions.