Paypal Business Debit Card Review

I have tried different credit, debit and prepaid cards that are out in the market and so far I can tell the one that stands out among the debit cards that I have is from PayPal.  The business debit card from PayPal is issued by Bancorp Inc. a 4.5 Billion company that provides the best non-banking services to different companies like PayPal.

One thing I like about PayPal business debit is that it does not turns your down when purchasing.  You do not need to have funds in your PayPal account to use the debit card.  All you need to do is to link your checking account or ATM and you are good to go.

With the MasterCard logo, PayPal Business debit can be used anywhere in the world where mastercard is accepted with a zero liability policy for unauthorized purchase. I have travelled to different countries and PayPal Debit is my most used card.  It is protected and you get an alert every time a transaction is made.

PayPal Here
PayPal Here

You can also access your fund and transaction activities through its app and making it easy to monitor all the transaction you made or paid may it be auto debit or online transactions.  PayPal also gave me a free card reader (PayPal Here)  so I can collect cash or payment for my business, and the fund goes directly to my PayPal account and I can check it through ATM or online.

With Paypal Business debit card there is no annual fees, there is of course 1% foreign transaction fees, and you get to earn 1% unlimited cash back on eligible purchases. However you are charge with $1.50 on ATM withdrawal plus the ATM fees that are collected by the merchant typically $2-$3.

photo from
photo from

Adding money is simple and easy, all you have to do is to schedule a deposit from your bank and you are ready for purchase, if you do not have bank, you can also buy their top up card from select merchants like 7eleven, CVS, Walgreens, Walmart or Target. My advice is if you have a bank account just do a weekly transfer for a hassle free funding or do a direct deposit that simple.

You are also allowed to get 2 debit cards for you and a family member or a friend, and you can link or add an additional student account for your kids.

The customer service works with you when you need help regarding your PayPal Business Debit card, they are one of the best customer service I have ever had with all my banks.

The card design can be improved, they only have this simple grey and blue color that does not standout but can be compensated by the services it provides.

I can give this PayPal Business debit card a good rating of 4.5 in a scale of 1-5.