How PayPal works

Your PayPal journey starts here.

Join the millions of people who trust PayPal to send, spend, and manage their money quickly and securely.1

Get the AppSign Up
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PayPal helps

simplify your life

Create your account

Start with your email and phone number. Then create a password. We’ll walk you through it.

Sign Up

Link your cards and bank account

Securely store all your preferred ways to pay—from debit and credit cards to your bank accounts.

Add Cards and Bank Accounts
Using your credit card through your PayPal wallet may impact your rights under Section 75 of the Consumer Credit Act.2

Make sure you’ve got the app

Pay, send, and get paid fast. Pay now or pay later—all from one account.1

Get the App

Now get

3% cashback3

this summer

From July to September choose a category each month. Check out with PayPal, your trusted way to pay, and get cashback on eligible purchases when you pay now, pay later, or over time. You can earn up to £15 a month.

Choose Category
Cashback: Promotion consists of three monthly offer periods and runs from 1 July 2025 to 30 September 2025. To earn cashback in each month you must activate the offer and select a category within the PayPal app. Offer only applies to purchases made in that month and after activation. Max £15 cashback per month. T&Cs apply.
PayPal Credit & Pay in 3 subject to status. 18+. PayPal Credit: Representative 23.9% APR (variable). Pay in 3 is unregulated credit. Consider if affordable and impact on other borrowing. Eligible purchases via PayPal online checkout only.

Send and receive money securely

  • Join the millions who trust PayPal to send to friends across the globe.1

  • Send money to friends & family abroad in over 110 countries - or get more delivery options with Xoom. Fees and restrictions apply.4

  • Shop, donate, transfer to your bank, and more.

Get the App

Get even more

out of PayPal

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Check out with more choices

Load your PayPal app with your cards and banks, and skip entering your info every time you pay.

Need some extra time? Choose Pay in 3.6

Paying with PayPalPay in 3
Pay in 3 is an unregulated credit agreement, so you will have fewer protections under this agreement than you would under a regulated credit agreement. Carefully consider whether the purchase is affordable and how you will make the repayments. Be aware of the possible impact of using Pay in 3 and of missing payments, including making other borrowing more difficult or more expensive. You may find our Spend Smarter Guide helpful.

Pay it safe with built-in security

Count on peace of mind when you make payments. Your transactions are encrypted.

Learn About PayPal Security

Frequently asked questions

All in

the new

PayPal

app

Simply and securely manage your transactions from one trustworthy place and get access to special offers. Download the new app on your phone or sign up for free online.

1
An account with PayPal is required to send and receive money. Fees apply when converting currency and sending money other than GBP to an account in another country. See fees. Paying friends back requires an account with PayPal. The recipient will need to create an account with PayPal if they don't already have one.
2
This means you may lose the right to hold the merchant or your credit card provider jointly liable if you don’t get the goods or services you paid for (if they cost between £100 and £30,000).
3
Promotion period runs from 1 July 2025 to 30 September 2025 and promotion consists of three individual monthly offers. To participate in any monthly offer of the promotion, the cashback offer for that calendar month must be activated and accepted in the PayPal app during that calendar month. You must select a category each month in order to participate and earn cashback. For offers activated in any calendar month of the promotion, cashback will only be earned on purchases made during that calendar month and after activation of that month’s offer, and is capped at 15GBP per month. Terms and exclusions apply.
4
T&Cs apply. Transaction fees, currency conversion & other fees may apply.
5
An account with PayPal is required to create a Pool. Fees apply when converting currency and sending money to an account in another country. See fees. Terms, usage and limitations apply.
6
Pay in 3 is an unregulated credit agreement, so you will have fewer protections under this agreement than you would under a regulated credit agreement. Carefully consider whether the purchase is affordable and how you will make the repayments. Be aware of the possible impact of using Pay in 3 and of missing payments, including making other borrowing more difficult or more expensive. Pay in 3 eligibility is subject to status and approval. 18+ UK residents only. See product terms for more details.
All screen images are for illustrative purposes only.