The Complete Guide to revolut vers paypal

Opening block
– Who this is for: You who use Revolut and need to move money into a PayPal account for purchases, withdrawals, or transfers.
– What this solves: Clear, step-by-step ways to get funds from Revolut into PayPal without surprises. You’ll learn the available methods, the exact steps for the two most common routes (linking a Revolut card and adding Revolut bank details), the typical fees and timings, and practical workarounds when PayPal rejects a Revolut source.
– What to expect: Actionable procedures you can follow now. Concrete times (10–30 minutes, 24–72 hours, 1–5 business days), likely fee ranges (0–3% per hop, 0–1% weekday FX), common pitfalls to avoid, and a decision flow to choose the best method for your situation.

Quick Answer / TL;DR
– Want the fastest route → Link your Revolut debit card to PayPal and use it for payments. Setup usually takes 10–30 minutes. Verification often completes within 24–72 hours.
– Want to move a balance into PayPal → Add your Revolut local bank details (EUR IBAN or GBP account). Confirm via two micro-deposits. Expect 1–5 business days.
– Want the cheapest FX → Convert inside Revolut first. Expect 0–1% weekday markup. Watch weekend fees up to 1–2%.
– If PayPal blocks a virtual card → Use a physical Revolut card, or route via a bank transfer or an intermediary. Expect 1–3 day delays.

Definition and Context — 3 Core Facts

Define the goal. You want “revolut vers paypal” to mean using Revolut as a funding source for PayPal. You may want to pay merchants through PayPal, withdraw PayPal funds into Revolut, or move a bank balance from Revolut into PayPal. Expect 2 main flows: card-based payments and bank-based transfers.

Describe the two platforms. Revolut provides local account details in at least 3 major currencies: EUR, GBP, and USD. Revolut issues both physical cards and virtual cards. PayPal operates in more than 200 markets and accepts bank accounts and cards as funding sources, depending on your country and account type.

Explain constraints in short bullets:
– PayPal accepts debit/credit cards for payments. Card authorizations typically show a temporary charge of €1 or $1.
– Adding funds to a PayPal balance from a bank account is not available in every country. When allowed, PayPal confirms bank links with two micro-deposits (each under €1).
– Revolut virtual cards can work. PayPal sometimes requires a physical card for verification.
– Expect at least 1 verification step and often 2-factor checks (2FA via SMS or app). Allow 24–72 hours for most verifications.
Watch out for: country restrictions, account verification limits, and Revolut daily card limits often set at €5,000 by default.

How It Works — 4 Main Methods

Overview. Use these practical routes for revolut vers paypal:
1. Link your Revolut card to PayPal.
2. Add Revolut bank details (EUR IBAN or GBP account) to PayPal.
3. Use a bank transfer via an intermediary service like Wise or a traditional bank.
4. Use peer-to-peer transfers or a trusted friend’s PayPal.

Method 1 — Card link
– Add your Revolut debit card in PayPal’s Wallet. PayPal often performs a small temporary authorization, typically €1 or $1.
– Expect a verification hold that clears within 24–72 hours. Use the card for instant payments at checkout.
– Funds draw immediately from your Revolut account when you pay. Limits vary; many cards allow €2,000 per transaction or higher.

Method 2 — Bank details
– Add Revolut’s EUR IBAN (IBAN: International Bank Account Number) or GBP account to PayPal. Choose the matching currency to avoid FX costs.
– PayPal usually confirms with 2 micro-deposits under €1 each. Expect 1–5 business days for confirmation.
– Once linked, withdrawals typically take 1–3 business days.

Method 3 — Intermediary transfer
– Move money from Revolut to a traditional bank or a service like Wise, then to PayPal-linked bank.
– Expect 1–3 business days per hop. Each hop may charge 0–3% or flat fees of €0.50–€5.
– Use this to avoid PayPal card flags or when direct bank linking is blocked.

Method 4 — Peer transfer
– Send money to a friend’s PayPal via Revolut (card or bank), then have them forward it.
– Expect 0–48 hours depending on method. Fees depend on the route: card payments may incur 1–3% while bank moves often cost €0–€2.
– Use only with trusted contacts.

Watch out for: Virtual cards can be blocked. Card declines may show as “not accepted” if the BIN or issuing country is flagged. If PayPal rejects a source, switch to a physical card, add bank details, or route via an intermediary.

Step-by-Step: Link Revolut Card to PayPal — 5 Steps

Follow these five steps to link a Revolut debit card to PayPal. Each step lists the likely times and numbers.

Step 1: Open PayPal Wallet
– Tap “Link a card”. Enter your Revolut debit card details: 16-digit PAN, expiry, CVV.
– Check the card’s daily limit. Many Revolut cards default to €5,000 per day.
– Use a physical card if possible. Virtual cards sometimes fail.

Step 2: Confirm billing address
– Enter the billing address exactly as in your Revolut profile.
– Mismatches cause declines in roughly 20% of cases for some users.
– Update Revolut if the address differs. Allow 5–15 minutes for app sync.

Step 3: Verification charge
– PayPal places a small authorization, typically €1 or $1.
– The hold appears within minutes and releases in 24–72 hours.
– Check the Revolut app for a 4-digit code in the transaction description.

Step 4: Enter verification code or wait
– If PayPal provides a 4-digit code, enter it immediately. Codes often arrive within 10–60 minutes.
– If no code appears, wait for the authorization to clear. Verification then shows within 24–72 hours.
– Retry after 72 hours if still unverified. Remove and re-add the card as a fallback.

Step 5: Use the card
– For purchases, PayPal charges the card at checkout. Funds leave Revolut instantly at point of sale.
– Card top-ups to PayPal balance are not supported in every country. Treat card payments as instant purchases.
– Expect 3D Secure prompts (3D Secure: extra card authentication) in about 10–30% of transactions. Allow 1–3 minutes for 3D Secure completion.

Best for:
– Instant purchases and payments up to typical limits such as €2,000 per transaction.
Skip if:
– You only have a virtual card or you need to move large sums into PayPal balance rather than pay merchants.

Key points:
– 1 authorization charge (≈€1) shows on Revolut.
– 24–72 hours typical verification time.
– 10–30 minutes to add the card initially.
– €5,000 default daily card limit on many Revolut plans.
– 10–30% chance of additional 3D Secure step in some regions.

Watch out for: Card blocks if PayPal flags the BIN or if the billing address differs by several characters.

Step-by-Step: Add Revolut Bank Details to PayPal — 4 Steps

Use this route to move balance into PayPal or withdraw PayPal funds to Revolut. Expect 1–5 business days for confirmation.

Step 1: Get Revolut local account details
– Open Revolut > Accounts > EUR or GBP account. Copy the IBAN or sort code and account number.
– Revolut typically supplies 1 local account per currency. Expect 1 account for EUR, 1 for GBP, and 1 for USD in many regions.
– If you need IBAN format, use the full 22-character IBAN for many EUR accounts and the 8-digit sort code plus 8-digit account number for GBP.

Step 2: In PayPal, link the bank
– Go to PayPal “Link a bank”. Enter the IBAN or account details. Select the correct currency (EUR or GBP).
– Mistyping digits causes failed micro-deposits. Double-check all numbers. Allow 1–5 business days for deposits to arrive.

Step 3: Confirm micro-deposits
– PayPal sends 2 small deposits. Each deposit is under €1 or £1.
– Look in Revolut transactions for two entries. They often appear within 1–5 business days.
– Enter the exact amounts into PayPal to confirm the link. You usually have 7–14 days to confirm.

Step 4: Use the bank link
– After confirmation, withdraw PayPal funds to Revolut. Withdrawals typically take 1–3 business days.
– Adding money from bank to PayPal depends on your country. When allowed, bank top-ups take 1–5 business days.
– Expect lower fees for bank transfers versus card payments. Typical bank transfer fees are €0–€2, while card fees range 1–3%.

Best for:
– Moving larger sums (≥€100) and avoiding card flags.
Skip if:
– PayPal in your country doesn’t permit adding funds from bank accounts.

Key points:
– 2 micro-deposits under €1 each.
– 1–5 business days for deposits to show.
– 1–3 business days for withdrawals from PayPal to bank.
– 0–€2 typical bank transfer fee in many cases.
– Use matching currency to avoid FX conversions and extra fees.

Watch out for: If you convert currency inside PayPal, expect a mark-up. Convert inside Revolut first to get 0–1% on weekdays and up to 1–2% on weekends.

Comparison Table: Methods at a Glance

Fees, FX, Limits, and Timing — Practical Numbers

List the numbers you must compare and control. Use these to decide which route to use.

• Authorization holds: €1 or $1 common.
• Micro-deposits: 2 deposits, each < €1.
• Card add time: 10–30 minutes to enter details.
• Card verification time: 24–72 hours typical.
• Bank verification time: 1–5 business days.
• Bank withdrawal time: 1–3 business days.
• Intermediary hop time: 1–3 business days per hop.
• Virtual card failure rate: can be 10–30% higher than physical cards.
• Revolut weekday FX mark-up: 0–1% typical.
• Revolut weekend FX mark-up: up to 1–2%.
• Intermediary fees: 0–3% or flat €0.50–€5 per transfer.
• PayPal FX spread: often 2.5–4% above wholesale rates.
• Typical card payment limits: €2,000 per transaction or higher on many cards.
• Revolut daily card limits: often €5,000 default, adjustable.
• 3D Secure involvement: occurs in 10–30% of card payments in some countries.
• Retry window for micro-deposits: 7–14 days in many setups.
• Chargeback contest window: 60–120 days depending on PayPal rules in your region.

Use these numbers to model costs. Example: move €1,000 via card where PayPal charges 2.9% + €0.35. Card route costs ≈€29 + €0.35 = €29.35. Bank withdrawal costs may be €0–€2 instead.

Troubleshooting: When PayPal Rejects Revolut

Follow quick fixes and timings.

• If PayPal declines your Revolut virtual card:
• Add a physical Revolut card instead. Expect 10–30 minutes to add.
• Use an intermediary bank or Wise. Expect 1–3 business days per hop.
• If micro-deposits never arrive:
• Confirm you used the correct IBAN or sort code. Mistypes cause delays.
• Remove and re-add the bank. Wait another 1–5 business days.
• If PayPal flags the BIN or country:
• Convert currency in Revolut before sending to match PayPal’s expected currency.
• Use a domestic Revolut bank detail (EUR for EU, GBP for UK, USD where offered).
• If PayPal blocks frequent small authorizations:
• Increase verification level in PayPal by submitting ID documents. Expect 24–72 hours for review.
• Use fewer larger transactions to avoid rate-based flags.

Concrete fallback examples:
– Example A: Card blocked. Send €500 to Wise, wait 1 day, transfer Wise to bank, link bank to PayPal in 2–3 days.
– Example B: Micro-deposits fail. Re-check IBAN digits, re-add bank, wait up to 5 days for new deposits.

Watch out for: Multiple failed attempts may trigger temporary locks for 24–72 hours.

Decision Flow: Which Method to Choose

Use this quick decision tree with numbers.

• Need to pay now and under €2,000?
• Link Revolut card. Time to set up: 10–30 minutes. Verification: 24–72 hours.
• Need to move ≥€100 into PayPal balance or withdraw from PayPal?
• Add Revolut bank details. Verify in 1–5 business days. Withdraw in 1–3 business days.
• Card declined or flagged often?
• Use intermediary transfer. Expect 1–3 days per hop and 0–3% fees per hop.
• Trusted friend available and speed matters under €1,000?
• Use peer transfer. Expect 0–48 hours and 0–3% depending on funding method.

Final Checklist Before You Start

Follow these checks to avoid delays.

• Check Revolut has a physical card if PayPal could require one. If not, expect a 10–30 minute delay to order one, or use an alternative.
• Confirm Revolut account currency matches PayPal linked currency to avoid FX conversions and extra fees of 0.5–4%.
• Verify billing address in Revolut. Mismatches cause declines in about 20% of attempts.
• Note 2 micro-deposits are the usual bank verification method. Expect 1–5 business days for them to arrive.
• Keep at least €2–€5 spare for authorization holds and temporary charges.
• Know your limits: typical card transaction limits €2,000 and daily card limits €5,000 on many Revolut plans.

Closing — Action Steps You Can Take Now
– If you need instant payments: open PayPal, link your physical Revolut debit card, and check for a €1 authorization. Expect 10–30 minutes to add and 24–72 hours to verify.
– If you need to move balances: copy the Revolut EUR IBAN or GBP account, add it to PayPal, and confirm two micro-deposits in 1–5 business days.
– If PayPal rejects your source: switch to a physical card, route funds via an intermediary like Wise, or ask a trusted friend for a peer transfer. Expect 1–3 business days in most fallback routes.

Use the numbers in this guide to plan cost and time. Test one small transaction first: €10–€50 to confirm settings. Then scale to larger amounts like €100, €500, or €1,000 once you see the expected behavior.