Transferring money between PayPal accounts is a common transaction, whether for personal use, business payments, or sending funds internationally. PayPal offers a streamlined and efficient process to move funds from your PayPal balance to another user's account. Below is a comprehensive, step-by-step guide that explains how to send money from your PayPal balance securely and effectively, covering all potential issues, requirements, and best practices.

Understanding PayPal Balance Transfers

Before initiating a transfer, it's essential to understand what the PayPal balance is. Your PayPal balance refers to the funds available in your PayPal account, which can come from payments you receive, refunds, or money added from your bank account.

You can use this balance to:

• Pay for online purchases
• Send money to friends, family, or business partners
• Transfer to your own linked bank account
• Fund subscriptions or recurring payments

The focus here is sending funds to another PayPal account, which is quick, convenient, and typically free for personal transactions within the same country.

Step-by-Step Guide: How to Transfer Money From PayPal Balance to Another PayPal Account1. Log Into Your PayPal Account

Start by going to www.paypal.com and logging in with your email address and password. Make sure you are accessing a secure internet connection to prevent unauthorized access.

2. Ensure You Have Sufficient PayPal Balance

Once logged in, check your PayPal dashboard. Your current balance will be visible on the home screen. If your balance is insufficient for the transfer, you can:

• Add funds from your bank account (takes 3–5 business days)
• Receive a payment from another user
• Link a debit or credit card for backup funding (if needed)

3. Click “Send & Request” at the Top Menu

Navigate to the “Send & Request” tab on the PayPal interface. This is where you can send money, request money, or split payments.

4. Enter the Recipient’s Email Address or Mobile Number

In the “Send money” section, enter the email address or phone number associated with the recipient’s PayPal account. Be extremely careful to enter the correct information — PayPal transfers are instant and irreversible once sent.

5. Choose the Amount and Currency

Input the exact amount you want to send. You can also choose the currency if you are sending money internationally. PayPal automatically converts the currency based on current exchange rates, but fees may apply.

6. Select “Sending to a Friend” or “Paying for an Item or Service”

Choose the type of transaction:

• Friends and Family: Usually fee-free when funded by your PayPal balance or bank account (within the same country).
• Goods and Services: Adds a fee to the recipient, but provides buyer protection for the sender.

To avoid fees, choose “Sending to a Friend,” but only for personal transactions.

7. Choose Your Payment Method

PayPal may give you options for how to fund the transaction:

• PayPal Balance (default if available)
• Bank account
• Credit/debit card

Make sure you select PayPal Balance to ensure the funds come from there.

8. Add a Note (Optional)

You can include a short note or message to the recipient. This is optional but helpful for recordkeeping or clarity on what the funds are for.

9. Review and Confirm the Payment

Double-check all information:

• Recipient’s email/phone
• Amount
• Payment type
• Funding source

Once verified, click “Send Payment Now.” The recipient will receive the money instantly if they have a verified PayPal account.

Transaction Fees and LimitationsDomestic Transfers (Same Country)

• Friends & Family: Free if using PayPal balance or linked bank.
• Goods & Services: Recipient pays a fee (typically 2.9% + fixed fee).

International Transfers

• A currency conversion fee applies (typically 3–4%).
• International transfer fee (based on recipient’s country and payment method).

PayPal Limits

Personal PayPal accounts may have sending limits, especially for unverified users. To remove limits, verify your identity by linking and confirming a bank account or providing documentation.

How to Track and Verify the Payment?

Once the payment is sent:

The recipient will receive an email confirmation from PayPal. You can also contact them directly to verify receipt.

What If the Recipient Doesn’t Have a PayPal Account?

If you send money to an email address that isn't linked to a PayPal account:

• PayPal sends an email invitation to the recipient to sign up and claim the funds.
• If they don’t sign up within 30 days, the money is returned to your PayPal balance.

PayPal Mobile App: Quick Transfers on the Go

You can also transfer money through the PayPal mobile app, available on iOS and Android.

Steps:

The mobile app supports face ID or fingerprint authentication, adding an extra layer of security.

Best Practices for Safe Transfers

• Double-check recipient details before sending.
• Use two-factor authentication on your PayPal account.
• Avoid sending money to unknown recipients.
• For business payments, always select “Goods and Services” to enable PayPal’s purchase protection.
• Keep track of all transactions for tax or accounting purposes.

Common Issues and How to Solve ThemIssue: PayPal Balance Not Available as Payment Option

• Make sure your balance is available in the correct currency.
• Your account may be restricted or under review.
• You may need to verify your identity.

Issue: Payment Pending

• If the recipient is new to PayPal, the payment may show as pending until accepted.
• For certain transactions, PayPal may place a temporary hold for security review.

Can I Cancel a Transfer After Sending?

Only payments with a “Pending” status (not yet accepted) can be canceled. To cancel:

Completed transfers cannot be reversed unless the recipient agrees to refund you.

Final Thoughts on Sending Money from PayPal Balance

Using your PayPal balance to transfer money to another account is fast, secure, and convenient. Whether you’re paying back a friend, supporting family, or sending money for business purposes, following the steps above will ensure a smooth experience. Always be vigilant, and ensure you're sending money only to trusted recipients.

How Much Can You Send with PayPal in One Transaction? A Comprehensive Guide How to Create a PayPal Business Account: Simple Guide PayPal Sending Limit: How Much Money Can You Send on PayPal? PayPal Transfer Limit: Is There a Limit on How Much You Can Transfer Into My PayPal Account? PayPal Max Transfer Limit: Normal Transactions PayPal Max Transfer Limit: Linked Bank Accounts How to Lift PayPal's Instant Transfer Maximum Sending Limit Common PayPal Instant Transfer Problems and Solutions Guidance For PayPal Transfer Limits for Friends and Family Understanding Paypal Daily and Weekly Transfer Limit