Paypal account number too long

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How Can I Find My PayPal Account Number?

When I first got my Paypal Cash Card, I wanted to set up a direct debit to go to it. But, I needed my Paypal account number to do it. So, I looked around for a bit and found out where it is on my Paypal account, and thought you might need help with it too, so I put together this article to explain where it is.

So, how can I find my Paypal account number? Your Paypal account number is found under Settings > Direct Deposit. Once you click on ‘Direct deposit,’ it will show your Paypal account number and your routing number. The routing number is usually required with your account number to deposit money into your Paypal account.

It’s a bit different if someone would like to send money from their Paypal account to your account, and when exactly you will need, either can be a bit confusing. So, I’ll explain what they’re all used for below.

What your Paypal Account number is used for (why you need it)

A Paypal account number is used to set up a direct deposit to your Paypal account. When banks send direct deposits, they need an account number to send it to, because they can’t send it to an email address.

You’re probably NOT familiar with a Paypal account number, I know I wasn’t even though I’ve been using Paypal for a long time. Here’s a quick video to show you exactly where it is located.

Banks also have an extra number called a routing number, which gives additional clarification to a bank exactly what bank account to send the funds to. It’s easy to make a mistake with the account number, where one number can be off.

So, a routing number provides additional safety to make sure the money doesn’t get sent to the wrong account.

Why a Paypal account number is needed

Normally, a direct deposit goes from one bank to another. For example, if you have a direct deposit for a monthly gym membership.

Your money goes from your bank account to the gym’s bank account number. Therefore, when you want to receive a direct deposit from a bank into your Paypal account, you need to give them your Paypal account number.

As you may be aware, to send money between two Paypal accounts, you will use the email address most of the time. Or, if someone is making a payment to you, you will send them a link to a special page where they can put in their contact information and put in their credit card details.

Usually, when people do this, it will ask them to set up a Paypal account. This will make it faster next time because the user won’t have to input his credit card details every time. He can just provide his Paypal account number and password to make a payment.

But, this only works for a credit card transaction and not for transfers between a bank account and a Paypal account. This is why a Paypal account number is required. It is in the format that banks can use to send payments because it works with their systems.

How your Paypal Cash Card works with your Paypal account number

A Paypal Cash Card works the same as a debit card or credit card, and you can use it anywhere that debit cards and credit cards are accepted. Which means that many people choose to send money to their Paypal account and use it as a bank account. 


1) Because they get payments to their Paypal account from an online business


2) You want a backup for your bank account, or can’t use your bank account because of an economic crisis.

1. You get payments to your Paypal account from an online business

If you get payments into your Paypal account from an online business, it can be easier to have your paychecks sent there as well. That way it’s all in one place, and you don’t need to wait for money to go from your Paypal account to your bank account.

When you send money from your Paypal account to your bank account, it can take from 5 to 7 days for the money to get there. They also charge $1 if the amount you send is under a certain value, which changes based on the currency. I know in US dollars it’s if you’re sending less than $100 US dollars.

Therefore, it’s more convenient to use a Paypal Cash Card as your debit card to make everyday purchases. That way, you don’t have to wait for money to get transferred and pay the small fee if you’re only sending small amounts.

In some countries, this minimum amount can be quite a bit of money, so it makes more sense to space out transferring money from your Paypal account to your bank account. But, with the long wait times and the additional fees, using a Paypal Cash Card is better.

2. You want a backup for your bank account or can’t use your bank account because of an economic crisis.

In some countries, the economy is a bit up and down, and you may be wary of using a bank account or want a backup. 

Many people will remember that there were big problems back in 2007 to 2010 in the USA when some large banks such as Fannie Mae and Freddie Mac went out of business.

If you had a bank account with them during this time, you might have been very stressed and worried about the money you had with them. 

Other times a country’s economy has major problems, and the government needs to put a freeze on bank accounts or other restrictions. Such as what happened in Greece during the Greece government debt crisis.

So, having a backup can sometimes be the only money you can access until everything goes back to normal.

All are excellent reasons – it’s more convenient, you pay fewer fees, and you want a backup – mean that a Paypal Cash Card is a solid option.

You may need friends, family, or a business to send money from a bank account to your Paypal account. In which case, you’ll need to provide them with your Paypal account number.

How do I find my Paypal account ID?

Your Paypal account ID is the email address that you used to sign up for your Paypal account. It is used to send money from one Paypal account to another. You will know what it is because you use it to log into your PayPal account.

But, if you can’t remember what email address you used to sign up for it, you can search your email inboxes for the word ‘Paypal.’ It will show any emails that will have been sent to you when you signed up for your Paypal account.

If you’ve deleted the emails and still don’t know, you can try each of your email addresses. If you forgot your password, you could use the ‘Forgot my password’ feature on the Paypal login screen.

If someone wants to send you money and they have an existing Paypal account, they can send money straight from their Paypal account to yours using just your Paypal account ID. The transfer goes through almost instantly. 

Is it safe to give your PayPal ID?

Because your Paypal ID is your email address, it is perfectly acceptable to give out your Paypal ID. It’s similar to giving out your phone number or email address for someone to contact you.

Can someone hack your PayPal account with your email address?

There are many types of deception that criminals can use, such as pretending to be employees at a company. This is a common tactic that criminals use known as phishing. So technically, they can by tricking you into giving them your password over email. 

But, if they just have your email address and nothing else, they can’t hack your Paypal account as long as you have a strong password. 

In the phishing email, they can ask you to send them your password because there was some problem, or they can ask you to click a link to reset your password.

You never want to give out any of your passwords, either over email or phone. 

For example, they might send you an email that looks exactly like it came from Paypal. But, when you look at it closely, the email address they sent it from is not a Paypal email address. It could be disguised as [email protected]

For example, the email may contain a link to change your password, and once clicked, it takes you to a fake website that records your functioning password but doesn’t change your new password.

So, you need to be very careful about anything to do with passwords and never give it out, and double-check where the email came from. If you’re in doubt, contact the company, for example, Paypal directly and ask them about the email you received. 

Cybercriminals can’t do anything to you with just your email address. So, it’s fine to give it out.

What a strong password protects your account from hackers?

Cybercriminals can run a computer program that will attempt to log in to your account. They do this by trying 1000’s of different passwords that would make sense for you to use. This is a method known as a brute-force attack.

Such as some combination of your email address. For example, if your email address is [email protected], they will try passwords like ben123, ben.smith1000, etc., to try to guess it.

However, after a few attempts, Paypal will flag your account and send you an email to notify you of suspicious activity.

That’s why it’s important to choose a random password and with lots of characters because it makes it much harder for them to guess it. So, as long as you don’t give out your password and have a strong password, it’s fine to give your Paypal email address out.

In Conclusion

You can find your Paypal account number in Settings of your Paypal account, under the ‘Direct Debit’ tab. It shows your Paypal account number and your routing number. You will generally need both of these numbers to receive payments to your Paypal account from a bank. For example, when someone wants to make a direct debit to your account.

Related to that, your Paypal account ID, is the email address you used to sign up for your Paypal account, and it’s safe to give it out as long as you have a strong password. You should never give out the password to your Paypal account to anyone.  



Your Money, Simplified.

Your Paypal Routing Number plays an important role in directing where your money should go. It identifies a particular financial institution and can streamline transactions like direct deposits or making payments. You can easily find your routing number on this page, on your checks or by logging into your online account.

Paypal Routing Number

Paypal Routing Number for Domestic Wire Transfers - 114924742

Paypal Routing Number for International Wire Transfers - 114924742

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What Is a Routing Number?

A routing number is a 9-digit number that identifies the financial institution related to the bank account.

The nine digits can be broken down into several components. The first four digits of your routing number refer to the Federal Reserve routing number and the following four refer to an American Bankers Association (ABA) routing number, and the last number is the “check digit”. A “check digit” is used to verify the routing number through a special equation. This can help ensure its accuracy and authenticity.

Paypal Routing Number for ACH Transfers

If you're looking to complete an ACH Transfer to any Paypal Account, use the ACH Routing Number 114924742.

What Is the Paypal Routing Number Used For?

So you might be wondering what the Paypal routing number has to do with you and why it’s important, but a routing number is actually used for many different day-to-day financial transactions.

A routing number is used to complete financial transactions such as direct deposit payments, bill payment, and tax payments. Your routing number serves as the location identifier for the financial institution you opened your account with.

So for example, when you have direct deposit, your paycheck is put into your bank account. The routing number in this case tells the money which financial institution to go to.

Routing numbers are kind of like addresses for financial institutions and each one will have a different one. The number illustrates that the financial institution has an account with the Federal Reserve.

Different Types of Routing Numbers

Your routing number is used to identify a particular financial institution. But some big financial institutions can have various routing numbers that may be based on the state you hold the account in.

On top of that, there can be different types of routing numbers based on the specific action. For example, there can be different routing numbers for wire transfers than ACH or direct deposit.

Paypal Routing Number vs Account Number

Your Paypal routing number isn’t the only important number when it comes to managing your finances. Your account number plays an important role as well.

When completing financial transactions, you’re typically asked about your routing number and your account number. But what’s the difference?

The routing number is the identifier of the bank or financial institution, whereas your account number refers to your specific financial account. So an account number can represent your personal checking account, for example.

So your routing number is kind of like your address and your account number is like an apartment number, showing which specific one it is.

Where to Find the Paypal Routing Number on a Check

Though checks are going out of fashion in favor of digital tools for payments, you might still need to use one from time to time. Your checks have your routing number on them. If you need to find your Paypal routing number on a check, look at the 9-digit number in the bottom left-hand corner. That is your routing number, but it’s just the nine digits.

The other digits in the middle are your account number and the numbers on the right side are your check number.

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Routing Number vs Swift Codes vs IBANs: What's the Difference?

Routing numbers are used for financial transactions in the U.S. to identify the financial institution. But there are also other codes that do something similar but in different places outside of the U.S.  

For example, there are SWIFT codes. SWIFT stands for Society for Worldwide Interbank Financial Telecommunication.

SWIFT codes are used when sending or receiving money from abroad and are similar to a routing number. SWIFT codes identify a particular financial institution.

IBAN, or International Bank Account Number, refers to a specific country and account, so it’s similar to an account number though not a replacement for one. SWIFT codes and IBANs are used to manage overseas payments, whether you’re sending or receiving.  

So you might see the terms ‘routing number’ and ‘account number’ when referring to payments sent and received in the U.S., but you’ll see terms ‘SWIFT codes’ and ‘IBAN’ for international payment transactions.

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How to find your PayPal account and routing numbers to set up direct deposit, if you're eligible to use the feature

  • You'll need to find your PayPal account and routing number to set up the direct deposit feature with your employer. 
  • You can only use PayPal direct deposit if you've signed up for a PayPal Cash Card debit card. 
  • If you have PayPal direct deposit, it's easy to find your account and routing number in your PayPal profile settings. 
  • Visit Business Insider's homepage for more stories.

PayPal allows users who have signed up for the PayPal Cash Card debit card to access the direct deposit feature, which lets you get paid directly to your PayPal account. 

Here's what you'll need to do to figure out if your account does have the option to participate in direct deposit and, if so, how to set it up:

How to find your PayPal account number to set up direct deposit

Before you get started, be aware that the routing and account numbers for the direct deposit program can only be used for incoming payments. 

You should also pick up a direct deposit form from your employer, or government benefits manager. Once you do so, here's how to find your account and routing number in PayPal:  

1. Go to or the PayPal mobile app and log into your account.

2. Click the gear icon in the upper-right corner of the screen.

find paypal account number

3. If you have the direct deposit feature, you'll see "Set up or view direct deposit" listed on the page — click that.

4. You'll then see your PayPal direct deposit information, including the routing and account numbers you need to supply to your employer on that page. 

find paypal account number 1

5. Copy those down onto your direct deposit form from your employer (or government benefits manager), noting that your account is a checking account (rather than a savings account), and return it to your employer.

PayPal notes that it may take one or two pay periods before you can start getting payments deposited in your account. You should receive a notification once the first deposit has been made to your account.

Related coverage from How To Do Everything: Tech:

How to find your PayPal Account Number-Linking a Bank Account or Credit Card to PayPal -2021


Long number too paypal account


How To bypass Paypal Phone Verification / paypal number verification / paypal problem solve


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