How to Transfer from PayPal to Revolut — von paypal auf revolut überweisen

Opening block
– Who this article is for: You, a PayPal user who wants to move funds into a Revolut account (personal or business) for spending, saving, or currency exchange.
– What this article solves: Explains the realistic options (direct and indirect), step-by-step actions, expected times, typical fees, and common failures you’ll see when transferring from PayPal to Revolut. It clears up why some methods work for some users and fail for others.
– How to use this guide: Follow the quick-start bullets first, then read the detailed steps and the comparison table to pick the best route for your country, balance size, and urgency.

Quick Answer / TL;DR
– Link your Revolut card to PayPal → attempt an instant card transfer (works for some users); typically instant or under 1 hour; may incur a 0.5–2.0% fee by PayPal for instant card payouts.
– Bank withdrawal to your linked bank account → then send bank transfer into Revolut; usually 1–5 business days and may cost 0–3% (PayPal or bank fees).
– Use an intermediate service or peer (e.g., bank transfer, currency app, or friend) → time 0–3 days, fees vary; higher convenience but more steps.
– If PayPal rejects Revolut account numbers, use the bank-withdrawal route or contact PayPal/Revolut support.

Understanding the basics — 2 main paths

• Define the two main approaches. Use 2 main paths: direct card-based routing and indirect bank-routing.
• Explain the direct path. Link your Revolut card to PayPal and use PayPal’s “transfer to card” or card payout option. Expect timing of instant to under 1 hour for card transfers. Expect instant-card fees in the ballpark of 0.5–2.0% per transfer. Expect limits such as single-charge caps between €100 and €10,000, depending on verification.
• Explain the indirect path. Withdraw from PayPal to a verified bank account, then move money from that bank into Revolut. Expect PayPal → bank withdrawals to take 1–5 business days. Expect SEPA euro transfers to land in 1 business day, while ACH (US) takes 1–3 business days. Expect extra steps: 2–4 actions and possible fees of 0–3% plus flat fees €0–€20.
• Summarize pros and cons with numbers. Direct route: 0–1 extra steps, 0–2% fee, instant (0–1 hour), medium success rate depending on region. Indirect route: 2–4 steps, 0–3% total fees plus flat €0–€20, total time 2–10 business days. Watch out for PayPal rejecting IBANs or account numbers from fintech banks; rejection rates vary widely, from near 0% in some regions to near 100% in others.

Watch out for: PayPal’s verification rules. Expect rejections for certain fintech BINs or virtual IBANs in roughly 10–50% of anecdotal reports.

How the mechanics work — 3 clear processes (2 numbers)

• Describe PayPal “linked card” mechanism. PayPal stores a token for each card (card tokenization). Expect 1 token per card. Expect verification holds of €0.10–€1.00 or a temporary authorization. Expect verification processing in 1–3 minutes for instant checks or up to 24 hours if delayed.
• Describe PayPal bank withdrawals. Use ACH (US), SEPA (EUR), or instant bank push where supported. Expect SEPA to take 1 business day, ACH to take 1–3 business days, and some instant bank transfers to clear in 0–1 hour. Expect withdrawal fees of €0–€5 for standard bank withdrawal, or €5–€20 for some currency or SWIFT legs.
• Describe Revolut account model. Revolut issues virtual IBANs in some countries and offers card-based top-ups. Expect 1 IBAN per currency for many users, or a small number of IBANs per account (1–3). Expect internal ledger balances to update instantly when you top up via card or internal bank.
• Explain why PayPal may block direct IBAN deposits. Name mismatch, unsupported bank BINs, and virtual IBAN routing can trigger rejection. Expect success outcomes to vary: some users see 100% success for card routes, others see 0% success for IBAN deposits. Expect PayPal to allow card top-ups (funding purchases) but sometimes block payouts to card numbers in certain regions.

Watch out for: Confusion between card top-ups (you add funds to Revolut using a card) and card payouts (PayPal pushes funds onto a card). PayPal often permits the former but can block the latter.

Step-by-step: 6 actions to attempt a direct transfer via Revolut card

• Overview: follow this short 6-step plan.
• Add your Revolut card to PayPal as a payment method.
• Verify the card in PayPal.
• Initiate a “transfer to card” or payout to card if available.
• Wait for confirmation and check Revolut.
• If rejected, capture error details.

• Fall back to bank route or contact support.

• Action 1 (1): Add your Revolut card to PayPal.

• Supply 16-digit card number, expiry date, and CVV (3 digits). Expect a temporary authorisation of €0.10–€1.00 for verification. Expect PayPal to record 1 token per card.

• Use Revolut physical or virtual card details. Test with the card type shown on your Revolut app. Expect some BINs to be blocked.

• Action 2 (2): Verify the card in PayPal.

• Check for a verification code on the statement or a micro-charge reference. Expect 1 code to appear. Expect 1–3 days for the code to show if not instantaneous.

• Input the code into PayPal to confirm. Expect verified status in 1–24 hours.

• Action 3 (3): Initiate a “transfer to card”.

• Open PayPal’s withdraw or transfer interface and choose the linked card. Expect either instant post (0–1 hour) or an immediate failure. Expect PayPal’s instant card fees of roughly 0.5–2.0%.

• If PayPal shows a currency conversion, expect a conversion fee of 2–4% on top of payout fees.

• Actions 4–6 (4–6): Confirm, capture errors, and fallback.

• Confirm funds in your Revolut app. Expect 0–1 hour delay for instant payouts. Expect bank-card ledger updates to reflect the incoming funds.
• If rejected, note the error code and exact rejection message. Expect limits to apply: single-transfer caps often range between €100 and €10,000 depending on verification.
• If transfer fails, proceed to the bank withdrawal route. Expect 2–10 business days total via the fallback.

Watch out for: Revolut cards with BINs flagged by PayPal. Expect some attempts to show temporary holds that post as verification charges. Expect limits per day or per month like €1,000 or €10,000 for card operations on many accounts.

Alternative route: 4-step bank withdrawal then top-up to Revolut

• Explain the fallback route. Withdraw from PayPal to a linked bank account, then top up Revolut from that bank. Expect 4 main steps and 2 legs that each take time.
• Step 1–2: Link and verify your bank account with PayPal.
• Use micro-deposit verification (two small deposits). Expect 2 micro-deposits. Expect them to appear in 1–3 business days.

• After verification, withdraw funds. Expect PayPal → bank withdrawals to post in 1–5 business days for most regions. Expect flat fees of €0–€5 or a small percentage 0–1.5% depending on currency and country.

• Step 3–4: Top up Revolut from your bank.

• Use SEPA for euros: expect 1 business day. Use SWIFT for other currencies: expect 1–5 business days and intermediary fees of €5–€20 or a percentage.

• Use your bank’s mobile app or online banking to send the transfer. Expect to include the correct beneficiary name and reference to avoid holds. Expect Revolut to credit the funds to your account once the transfer clears.

• Compare costs and time.

• Expect total time of 2–10 business days from PayPal withdrawal to Revolut receipt. Expect total fees in the range 0–3% plus flat charges of €0–€20. Expect currency conversion fees of 0–4% if PayPal or the sending bank converts the currency.

Watch out for: Name mismatches between PayPal and the bank or Revolut. Expect holds or reversals if names differ by more than a character or if the IBAN is virtual and flagged.

Fees, limits and timing — 3 concrete figures to expect

• Break down PayPal fees.
• Expect instant card payouts of roughly 0.5–2.0% per transaction. Expect standard bank withdrawals often free or €0–€5, sometimes with a percentage up to 1.5%. Expect PayPal currency conversion margins of 2–4% over mid-market.

• Expect fixed fees for small cross-border transfers to be €0.30–€3.00 depending on country and currency.

• Revolut top-up and receiving rules.

• Expect card top-ups to be free in many cases (0%). Expect SEPA incoming transfers usually free (0€–€1.50). Expect incoming SWIFT transfers to attract intermediary costs of €5–€20.

• Expect Revolut to apply limits based on plan: some plans have single-card charge limits of €1,000–€10,000. Expect monthly top-up caps on free tiers that vary, for example €5,000 or €10,000 for some users.

• Limits and timing summary.

• Expect PayPal withdrawal minimums or limits like €10 minimum per withdrawal. Expect account-level withdrawal caps often from €100 to €10,000 until further verification.
• Expect timing: instant via card 0–1 hour; bank route 1–5 business days per leg; full roundtrip 2–10 business days.
• Expect conversion spreads: PayPal 2–4% vs Revolut in-app exchange usually closer to 0–1% during weekdays for major pairs (subject to plan limits).

Watch out for: Currency conversion at PayPal can cost more than Revolut’s in-app exchange. Expect a difference of 1–3 percentage points on many routes.

Verification, names and edge cases — 3 checks and 2 outcomes

• Emphasize identity matching.
• Verify that the name on PayPal matches the name on your Revolut account or card. Expect 100% rejection for many banks when the full name does not match exactly. Expect small variations like middle initials to sometimes trigger holds.

• Check the cardholder name on the Revolut card. Expect PayPal to compare name strings; differences beyond 1–2 characters raise flags.

• Multi-currency complications.

• Check the currency of your PayPal balance versus your Revolut account. Expect conversions when moving USD → EUR or EUR → GBP. Expect conversion fees of 2–4% at PayPal or 0–1% via Revolut (depending on day/time).

• Test with a small transfer in the same currency first. Send €1–€10 to verify acceptance before moving €100–€10,000.

• Business accounts and country restrictions.

• Check whether your PayPal account is personal or business. Expect different payout methods. Expect some regions to disallow card payouts entirely; expect 2–3 region-specific differences to check in PayPal’s payout options.

• Test small amounts to confirm functionality.

• Recommended checks before transfer.

• Verify card BIN (first 6 digits) is not flagged. Confirm IBAN acceptance if using bank route. Ensure matching names.
• Test with a small transfer of €1–€10 first.

Watch out for: Frozen transfers if PayPal suspects fraud. Expect holds of 24–72 hours or longer when flagged.

Troubleshooting and recovery — 3 remedies with time estimates

• Common failures.
• Expect PayPal to reject Revolut IBAN in roughly 10–50% of anecdotal cases depending on country. Expect card transfer returns or funds stuck in pending for about 10–30% of attempts in some regions.

• Capture transaction IDs and timestamps to speed recovery.

• Remedy 1: Retry via card after verification.

• Re-verify the card and BIN. Retry the payout. Expect retry time 0–24 hours. Expect possible additional authorization holds of €0.10–€1.00.

• Remedy 2: Use the bank withdrawal then top-up route.

• Withdraw funds to your linked bank, then send to Revolut via SEPA or SWIFT. Expect total time 2–10 business days. Expect flat intermediary fees €5–€20 for SWIFT legs, or €0–€1.50 for SEPA.

• Remedy 3: Contact PayPal and Revolut support.

• Provide transaction IDs and proof of ownership. Expect initial response windows of 24–72 hours. Expect full resolution windows of 3–14 days for escalations or disputes. Expect to submit 1–5 documents if required (ID, screenshot, bank statement).

Watch out for: Escalation may require identity docs and proof of ownership for both accounts. Expect delays if either support team requests more information.

Comparison table: 4 practical transfer methods

Quick side-by-side of the main methods, showing time, typical fee, success likelihood, and best use-case.

Closing notes and final checks
– Test small first. Send €1–€10 as a probe to verify the chosen route.
– Record all IDs and timestamps. Keep 1–5 screenshots per transaction.
– Compare costs: add card fee 0.5–2.0% + conversion 2–4% when using instant routes, versus bank route fees of 0–3% + flat €0–€20.
– Contact support if stuck. Expect 24–72 hours for initial replies and 3–14 days for full resolution.
– Choose direct card route for speed (0–1 hour). Choose bank route for reliability (2–10 business days).
– Check that names match exactly and that currencies align before sending larger amounts.