PayPal cards offer a convenient way to make purchases online and in stores without needing a bank account or credit card. However, it’s important to understand where you can add money to your PayPal card without paying fees. This article will overview the basics of PayPal cards, provide step-by-step instructions on popular retailers’ best free loading options, detail alternative no-cost loading methods, and summarise the key takeaways.

Understanding PayPal Cards


PayPal offers prepaid card options like the PayPal Debit Card and PayPal Business Debit Mastercard. These cards allow you to easily purchase online and in stores or withdraw cash from ATMs by pre-loading a balance. Funds transfer instantly between linked PayPal accounts and cards, providing convenience for managing and spending money.

The main benefits of PayPal cards include:

  • Make purchases online, in stores, or withdraw cash from ATMs
  • No credit check or bank account is required
  • Send and receive money from other PayPal users
  • Easy to load funds as needed

Also Read: When Is PayPal Return Shipping Ending? Know Here

How To Load My PayPal Card For Free: The Basics

Adding money to your PayPal card is an easy process that allows you to fund your card’s balance and use it for purchases or ATM withdrawals. Before loading your card, you need to link it to a funding source within your PayPal account, such as a bank account, debit card, or credit card. This links your accounts together so money can be transferred onto your card.

To link a funding source:

STEP 1: Access your PayPal account online or via the mobile app

STEP 2: Click on “Wallet”, which manages your balance and financial instruments


STEP 3: Select “Link Card” or “Link Bank”

STEP 4: Enter the account number and other details of the source you wish to link


STEP 5: Follow the verification process to confirm your ownership of the account

Once linked, you can load money directly onto your PayPal card with simple clicks. Understanding which load options are free versus paid is essential to avoid unnecessary fees.

Free Paypal Card Loading Options at Retail Locations

Major retailers like CVS, Walmart, and 7-Eleven allow you to load cash directly onto your PayPal card in-store for no fee. Here is an overview of the simple, step-by-step process at each retailer:


STEP 1: Visit the Money Services or Customer Service desk at any Walmart store


STEP 2: Show the employee your PayPal debit card

STEP 3: Specify how much cash ($1-$500) you wish to load onto the card

STEP 4: Hand the cash to the Walmart employee


STEP 5: Your PayPal card will now instantly have funds added to the balance


STEP 1: Open your PayPal app and use the barcode generator


STEP 2: A personalised barcode will appear, scannable for cash loads

STEP 3: Go to the register at CVS and show the cashier your barcode

STEP 4: Tell the cashier how much money you wish to load ($1-$500)


STEP 5: Hand the cash to the cashier to complete the transaction

STEP 6: The money will be loaded onto your PayPal card within minutes!


STEP 1: Generate a one-time usable barcode in the PayPal app

STEP 2: Take the barcode and cash to any 7-Eleven cashier


STEP 3: The cashier will scan the barcode and load the amount onto your card

STEP 4: Funds should appear in your PayPal account within 30 minutes

As long as you bring cash to add to your card, no fees should be involved when loading money through these major retailers.

Alternative Free Loading Methods

If the retail locations are inconvenient, you also have these options to load your PayPal card for free:

The InComm Vanilla Reload Network allows you to buy Vanilla Reload packs from local shops like CVS, Dollar General, and Rite Aid. You’ll receive a pack with a unique number that can be registered to your PayPal account. Simply visit the website on the card pack and follow the prompts to load the dollar value it carries directly onto your linked PayPal card.

Linking your checking or savings bank account to your PayPal Wallet provides free ACH transfers. Once accounts are linked, select your bank account as the loading source within PayPal. Enter the amount to transfer and submit the order. The money will be pulled from your bank account and deposited to your PayPal card balance within 1-3 business days. It’s slower but completely free.

You can also provide friends or family members with your PayPal card number or login email. They can use the Send Money feature on PayPal to directly load funds as a personal transfer or gift onto your card’s balance. There are no fees as long as they have a PayPal balance or linked bank account.

Also Read: How To Cancel Progressive Car Insurance In 6 Easy Steps!

Online Options for Loading Your Paypal Card

PayPal allows card loading directly on the website or within the mobile app. This offers convenience but typically charges fees of around 3%.

To load online:

STEP 1: Log into your PayPal account


STEP 2: Access your Wallet page

STEP 3: Select “Add Funds”


STEP 4: Choose the source you want to transfer money from

STEP 5: Enter the dollar amount to load your card

STEP 6: Complete the authorisation steps

Once submitted, money moves from your designated funding source to your PayPal card balance, with a fee applied. If you want to avoid fees and load online, link a bank account or request a money transfer from a friend or family member.


The easiest ways to load a PayPal card without fees are by bringing cash to major retailers like CVS, Walmart, and 7-Eleven, reloading card networks, linking bank accounts to send funds, or getting friends to pay you money directly. By understanding the freeloading options for your PayPal card, you can conveniently access funds without paying unnecessary fees.

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