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How to Withdraw Money from Paypal to MasterCard® ATM

Updated on September 18, 2016
How to get money from paypal
How to get money from paypal | Source

How to Get Your Money from Paypal

As the world goes digital, many business people are working online and receiving money in their Paypal accounts. Unluckily, withdrawing money from Paypal is a complete nightmare in some countries where this company does not have suitable partners. There is a suitable option of getting your money with no initial obligation.

Transferring your money from Paypal to a Payoneer Debit Card will save you the hustle of dealing with greedy conmen or expensive middlemen. Your hard earned cash is precious and should only be trusted on reputable institutions. A Payoneer Debit card is secure and this makes it popular among thousands of affiliates.

How to Get a Payoneer Mastercard for Free

Obtaining a Payoneer Master Card is easy. Sign up at The Official Payoneer Website for free. After registering, your card will be sent to you by regular mail. You do not have to own a Paypal Debit Card in order to apply for the Payoneer Card.

In order to transfer money from your Paypal account, you will be required to apply for a virtual US bank account. This will provide you with a routing number which will be linked to your Payoneer debit card. You need not be a US citizen or resident to acquire this account. However, you might be obliged to provide some details including screenshots of your online business and both sides of a scanned original document like your identity card.

Once you receive the card, use the 16-digit code at the front and a 3-digit CVV number at the back for it to be activated. You can now start loading money to your card. In the event that the card is lost on the way without a trace, which is rare, Payoneer will be glad to replace it.

Before you can link your card to your Paypal account, be sure that the information you enter is identical to what is contained in your Payoneer account. In case you are not sure, you can check it again by logging into your Payoneer account. I would advice you to open your Payoneer account in a different tab and just copy-paste the details.

Note: While linking your virtual bank account to Paypal, you might get an error message that "You cannot add a bank at this time". If this happens, contact Paypal customer support via phone or Email. Tell them you are not able to add your bank account. You don't have to mention Payoneer.

Update 2016: Before adding the Payoneer bank details, first link a debit card to Paypal and update your Street address. If you don't have a street address, use your physical address.

Payoneer debit card
Payoneer debit card | Source

How to Transfer Money from Paypal to Payoneer

After linking both accounts, your card will be listed on your Paypal account. Transferring money from Paypal to Payoneer is a very simple process. Follow these steps:

  • Select ‘My Account’ when logged into your Paypal account.
  • Near the top of the page, click ‘withdraw’
  • Click on withdraw funds to card and select your card in the dropdown
  • Enter withdrawal information
  • Verify that the information is correct and hit submit

You will instantly get mail from PayPal with the message “You asked us to transfer $xx from PayPal to your bank account, and we’re processing it now”. You don’t have to check whether your funds have been loaded to your card. Once the money arrives in your card, you will receive an email from Payoneer telling you that “Your Payoneer account has just been loaded with $xx”.

How to Use the Payoneer Debit Card

Money withdrawn from Paypal is supposed to take 3-5 business days for it to be transferred to your US account. But normally, it will only take 2 days unless it's during the weekend or public holidays. Paypal will charge you a fee of 1% for transferring your funds to your Payoneer account. That is, if you are transferring $1,000, it will show up on your Payoneer account as $990.

Withdrawals using the Payoneer debit card can be done worldwide from any MasterCard-branded ATMs for a charge of only $2.15 at local currency. You can also do online shopping or swipe the card at outlets that support MasterCard free of charge. Checking your balance online is also free.

While you can receive money in your PayPal account and load it to your card, you can’t receive money directly to the debit card. The Payoneer debit card is only to be used for receiving funds from US companies. People who try to transfer money to your card will have their cash seized.

Withdrawing money from paypal
Withdrawing money from paypal | Source

Can You Use Payoneer Without a Bank Account?

To use Payoneer, you only need to have a mailing and a physical address. You can enjoy the services even if you do not have a bank account. However, you must have a working bank account or credit card to operate Paypal effectively.

Initially, you will be able to send and receive payment via Paypal. But once you reach a certain amount (normally $200), you will need to verify your account or be barred from making any more transactions. Also note that you can’t register for a US payment service if your account is not verified.

The simplest way to get around this dilemma is to open a bank account, or get a credit card. In some scenarios, people use their spouses’ or friends’ credit or debit cards. Whichever option you use, be sure that the bank or card issuer operates in a country where you can open a Paypal account. The corporation uses this strategy to deter people from certain countries owing to some financial regulations.

Use your payoneer card for on-line and off-line shopping
Use your payoneer card for on-line and off-line shopping | Source

Be Cautious When Using Your Debit Card

Before you insert your card in any ATM, make sure that it is already loaded with money. Some ATMs will confiscate your card if it does not have the money that you intend to withdraw. You will normally get your card back but it’s good to avoid the trouble.

Subscribing to trial offers on the Internet can also be risky. A number of websites will offer you a one-day trial, only to later subscribe you for a weekly or monthly payment without your consent. While doing any form of online shopping, make certain to read the small print.

Unscrupulous business people are hunting you to either overcharge or defraud you. With a Payoneer debit card, you do not have to trust anybody with your money. Your earnings will be loaded to your wallet with complete security and discretion.

With this convenient way of receiving money, your zest for online work will be renewed. While there are several options of withdrawing money from Paypal, this is probably the fastest and easiest. Make the right decision. Sign up at The Official Payoneer Website and receive $25 free if you use this link. No upfront payment or bank details are required.


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    • zaton profile image


      3 years ago from California

      Good info - I got my PayPal Extras MasterCard in the mail today. It's a credit card; not a debit card. The debit card arrives separately.

    • Maina Ndungu profile imageAUTHOR

      Maina Ndungu 

      4 years ago from Thika, Kenya

      The issue is that you can't add a Payoneer as a bank if you have not already added a debit card

    • profile image


      4 years ago

      Please things have changed with paypal regarding payoneer, so please update your article.

    • Maina Ndungu profile imageAUTHOR

      Maina Ndungu 

      5 years ago from Thika, Kenya


      Withdrawing money from an ATM using a Payoneer debit card is charged at $2.15 regardless of where you are.

    • profile image


      5 years ago

      Hello maina, could you be having an idea of how much I will be charged to withdraw from my card through an atm in kenya?

    • Maina Ndungu profile imageAUTHOR

      Maina Ndungu 

      5 years ago from Thika, Kenya

      Once logged into your Payoneer account, find Us Payment Service. You will be directed on how to get approved for a virtual Us bank account, enabling you to receive cash from U.S. companies just like a citizen.

    • profile image


      6 years ago

      Hi, im from sri lanka and we do not have all paypal freedoms, so we can only pay using it, we can not withdraw money. Anyway, I applied for a payoneer card, i just want to know whether i can withdraw my paypal money by being in sri lanka?

      Applying for a us virtual bank account is not clear for me. Thanks.

    • Maina Ndungu profile imageAUTHOR

      Maina Ndungu 

      6 years ago from Thika, Kenya

      Payoneer supports wire transfers. However, the service is not automatically available to all account holders. You must register for the service.

    • profile image

      miss nicolas 

      6 years ago

      smartmoney is not allowed to withdraw from paypal?

    • profile image


      6 years ago

      Hi, Can you transfer your withdrawn funds from PayPal to Payoneer and make wire transfers from Payoneer using those funds?

    • Maina Ndungu profile imageAUTHOR

      Maina Ndungu 

      6 years ago from Thika, Kenya


      Before you can transfer money from Paypal to Payoneer, you must verify your Paypal account using any internationally recognized card.

      Then, add your US bank account details to your Paypal account. Please don't mention it is from Payoneer because sometimes Paypal rejects new Payoneer accounts.

      What will now be left is to withdraw your funds to your US bank account in Paypal. Wish you the best.

    • profile image

      Suleyman Ahmed 

      6 years ago

      After I activated my card I can't to load money on my card so pkease help me to load money automatically and globally.

    • Maina Ndungu profile imageAUTHOR

      Maina Ndungu 

      6 years ago from Thika, Kenya

      Paypal users in Kenya can now withdraw their funds via Equity Bank.

    • story-maker profile image


      7 years ago

      For US bank account contact with Nissim ( ) ..he is a payoneer agent and a good guy to give us quick support

    • profile image

      Elia Igga 

      7 years ago

      Thanks for this insightful article - I am from Uganda and i have already applied for my payoneer debit card, however i need more info on how to apply for a virtual US bank account.



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