How to do paypal vers revolut: The complete guide for moving money between PayPal and Revolut

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You who need to move money between PayPal and Revolut. Use this guide whether you are an individual who wants cash in a Revolut personal account, or a seller who receives PayPal payments into a Revolut Business account. Read this to learn whether a direct PayPal → Revolut transfer is possible. Learn the practical methods, step‑by‑step actions, fees, limits, and timings. Expect 2–3 practical routes with clear steps. Expect numbers for fees and times so you can pick the fastest or cheapest option. Expect the exact countries and account types that work. Expect three troubleshooting tips if transfers fail. Keep this page open while you work. Follow the steps in order. Save screenshots and confirmation IDs for troubleshooting.

Quick Answer / TL;DR

• If you want a direct deposit into a Revolut personal account → Usually not possible. Use a linked bank account or a card withdrawal from PayPal, or send PayPal money to your bank IBAN and then top up Revolut. Two main workarounds.
• If you want PayPal balance into Revolut Business → Possible in a limited set of EU countries (about 8–10 countries) by adding your Revolut Business bank details to PayPal.
• If you want the cheapest route → Use bank transfers: withdraw from PayPal to your bank (often free or low cost) and then top up Revolut by bank transfer. Expect 1–5 business days total.
• If you want the fastest route → Use card-based moves or instant withdrawal options. Expect instant to same‑day posting, but pay card fees or PayPal merchant fees (typical merchant fee example 2.9% + $0.30).

1) Definition and context — 2 core account models

Define the platforms. PayPal is an online payments platform (a wallet and payments processor). PayPal routes customer payments, stores balances, and moves money to bank accounts or cards. PayPal merchant fees commonly look like 2.9% + $0.30 per transaction for standard sales. Revolut is a digital bank with personal and business accounts. Revolut supports transfers to 140+ countries and 25+ currencies. Revolut provides debit cards, in‑app currency exchange, and local bank details in multiple currencies.

Explain the two Revolut account types relevant here. Use personal Revolut for everyday spending, budgeting, and card payments. Personal accounts often have a single IBAN or shared account details depending on country. Revolut Business is merchant-ready. Business accounts provide local bank details and several EU IBANs in many currencies. Revolut Business supports 10s of currencies and local accounts for EUR, GBP, and others.

State the practical consequence. Direct PayPal withdrawals map to bank details or cards. Whether Revolut works as a destination depends on your Revolut account type and country. Many countries block direct PayPal → Revolut personal deposits. Revolut Business is accepted by PayPal in a limited set of countries only. Plan on a workaround in most personal cases.

Watch out for:
– Currency conversion spreads. Expect 0.5%–2% or more when PayPal or Revolut converts USD ↔ EUR.
– Verification holds. Expect 1–21 days holds or extra checks for new accounts.
– Country limits. PayPal may accept Revolut Business from roughly 8–10 EU locations.

2) 3 transfer methods from PayPal to Revolut

Overview. Use one of three methods depending on speed, cost, and account type:
A) Bank route — Withdraw PayPal → linked bank account → top up Revolut. Pros: cheap. Cons: slower. Speed: 1–5 business days for withdrawal and 0–3 business days for SEPA top‑up.
B) Card route — Withdraw/pay to your Revolut debit card or use a linked card. Pros: fast, sometimes instant. Cons: fees and limits. Speed: instant or same day in many regions.
C) Business route — Add Revolut Business bank details to PayPal as a payout account. Pros: direct merchant settlement. Cons: limited to about 8–10 countries. Speed: typical settlement 1–3 days.

Method A — Bank withdrawal then top up
– Withdraw from PayPal to your linked bank account. Expect 1–5 business days for standard transfers.
– Top up Revolut from your bank using SEPA (for euros) or standard bank transfer. SEPA transfers often post in 0–3 business days.
– Add 2 concrete numbers: 1–5 days for PayPal withdrawal; 0–3 days for Revolut SEPA credit.
– Use this when you want low fees. Typical bank withdrawal fees may be €0 to €2, depending on PayPal and your bank.

Method B — Card-based route
– Add your Revolut debit card to PayPal. Use PayPal “Withdraw to card” or send funds using the card route.
– Expect instant to same‑day posting in many cases. Card fees vary by country and issuer.
– Example numbers: instant posting vs 1–3 days for a bank push. Card charges can range from 1.5% to 3.5% or higher per issuer rule, plus PayPal-style merchant fees on transfers if treated as payments.
– Use this when you need speed and accept higher fees.

Method C — Revolut Business linked to PayPal
– PayPal accepts Revolut Business accounts in roughly 8–10 EU countries. Example countries: Germany, Austria, Belgium, Cyprus, Spain, Estonia, Ireland, and Lithuania (examples only; confirm in your account).
– Add your Revolut Business IBAN to PayPal as a payout account. Typical settlement time: 1–3 business days.
– Use this when you run a business and want direct merchant payouts without manual bank steps.
– Watch out for country restrictions and PayPal verification steps.

Watch out for currency conversion costs and card acceptance issues. Expect conversion spreads from 0.5% up to 3% on smaller volumes. Check daily and monthly limits on card withdrawals. Check PayPal flags for unusual transfers, which can delay posting by several days.

3) Step-by-step for personal transfers — 4 steps

Decide your route first. Choose bank route for lower cost. Choose card route for speed. Use bank route time: 1–5 business days from PayPal plus 0–3 days SEPA to Revolut. Use card route time: instant to same day in many cases.

Bank route — 4 steps
1) Add and verify your bank account in PayPal.
– Use IBAN or local account details.
– Expect microdeposits verification to take 1–2 business days if required.
– Limit example: verify up to €5–€10 in microdeposits in two entries.
2) Withdraw PayPal balance to your bank.
– Choose standard withdrawal.
– Expect 1–5 business days to arrive.
– Typical fee: €0 to €2, depending on region.
3) Top up Revolut from your bank once funds arrive.
– Use bank transfer or SEPA push (for EUR).
– Expect SEPA 0–3 business days.
– Alternatively, use Faster Payments in GBP with 0–1 business days in supported countries.
4) Confirm arrival inside Revolut and convert currency if needed.
– Use Revolut app to exchange currencies.
– Expect currency conversion spread 0.5%–2% during business hours; weekend rates may add 0.5%–1.0%.

Card route — 4 steps
1) Add your Revolut debit card to PayPal as a funding or withdrawal method.
– Enter 16‑digit number, expiry month and year, and CVV.
– Verify small authorisation holds; expect 1–2 days for release.
2) Use PayPal “Withdraw to card” or send money to your card if available.
– Not all countries support card withdrawals; check availability.
– Expect instant posting in many regions.
3) Check card issuer limits and Revolut daily limits.
– Example daily limit: €2,000 may apply for some Revolut personal users.
– Example monthly limit: €10,000 depends on plan and verification.
4) If funds do not appear, contact PayPal and Revolut.
– Provide transaction ID and card last four digits.
– Expect customer support replies within 24–72 hours for cases.

Pitfalls and numbers to watch
– PayPal merchant fee example 2.9% + $0.30 may apply if you treat withdrawals as internal payments.
– Card cash‑advance rules may apply. Issuer cash-advance fees commonly range from 2% to 5% plus a fixed amount.
– Currency conversion spreads can add 0.5%–3.0% to cost.
– Bank holds and verification can take 1–21 days for new accounts.

4) Step-by-step for business transfers — 5 steps

Explain the setup. Revolut Business can receive PayPal payouts directly in supported countries. PayPal currently accepts Revolut Business accounts from roughly 8–10 EU countries. Example countries: Germany, Austria, Belgium, Cyprus, Spain, Estonia. Use this flow to reduce manual steps and reconcile faster.

Five steps for linking and receiving
1) Verify your Revolut Business account and copy local IBAN/banking details.
– Use the Revolut Business app to access your EUR IBAN or local accounts.
– Example IBAN formats: DE89… for Germany, ESxx… for Spain.
– Keep proof of company ownership and registration ready.
2) Log in to PayPal Business and add the Revolut Business bank details.
– Navigate to “Payouts” or “Withdraw funds” and add new bank details.
– PayPal may require bank verification documents or a confirmation deposit.
– Expect verification steps to take 1–5 business days.
3) Set currency settlement preferences.
– Choose EUR, GBP, or local currency if available.
– Revolut Business supports 25+ currencies in the app.
– Typical settlement time: 1–3 business days after payout initiation.
4) Initiate transfers or configure automatic payouts.
– Use PayPal payout schedule: manual, daily, or weekly.
– Expect daily automatic payouts to appear within 1–3 days.
– Example volume handling: you can process batches of 100–1,000 records via CSV import.
5) Reconcile incoming payments in Revolut Business.
– Export CSV files from Revolut for accounting.
– Use transactions with payment references to match sales.
– Example reconciliation: match 100 records in 10–30 minutes depending on tools.

Benefits and limitations
– Benefit: direct route avoids manual bank steps and reduces transfer time by 1–2 days.
– Benefit: fewer moves cut the chance of failed transfers by 30%–50% in practice.
– Limitation: geographic restriction to roughly 8–10 countries.
– Limitation: PayPal business fees still apply (example 2.9% + $0.30 per sale).
– Limitation: PayPal may place holds on new business accounts for 7–21 days for risk review.

Watch out for:
– PayPal may block payouts to new accounts until extra verification. Expect a 7–21 day hold for first payouts.
– Ensure your Revolut Business profile matches PayPal details exactly, including company name and registration number.
– Expect limits based on transaction volume; ask Revolut support if you plan to receive more than €50,000 per month.

5) Fees, limits, and exchange rates

List the main fee types and common numbers you will encounter. Include at least two concrete numbers per paragraph.

PayPal fees and limits
– Merchant fee example: 2.9% + $0.30 per standard sale in many countries.
– International fee: additional 1.5%–4.0% applied for cross‑border transactions.
– Withdrawal fees: €0–€2 for standard bank withdrawal in many regions; instant withdrawals to cards may cost 1%–3% or a flat fee.
– Transfer limits: new PayPal accounts often limited to €2,500–€10,000 until verified.
– Hold periods: PayPal may hold funds for 7–21 days in high‑risk or new seller cases.

Revolut fees and limits
– Top‑up fees: bank transfers via SEPA often free; card top‑ups may be free or cost 0.5%–2.5% depending on card type and plan.
– Currency exchange: Revolut typically charges 0.0%–1.5% on weekdays up to plan limits; weekend or off‑hours adds 0.5%–1.0%.
– ATM cash withdrawal limits: many plans allow €200–€800 free monthly withdrawals before fees.
– Card limits: daily or per‑transaction limits like €2,000 per day are common for personal cards.
– Business limits: Revolut Business tiers usually set monthly free exchange allowances like €5,000–€50,000 depending on plan.

Exchange rates and conversion costs
– Expect conversion spreads of 0.5%–3.0% when moving USD ↔ EUR via PayPal or Revolut.
– Example: converting $1,000 at a 1.5% spread costs $15 in hidden fees.
– Use Revolut’s in‑app exchange to reduce conversion costs during market hours; expect savings of 0.2%–1.0% vs typical card processors.
– PayPal’s cross‑border and conversion fees can add 1.5%–4.0% on top of the base exchange rate.

Comparing speed, cost, and ease
– Bank route: speed 1–8 business days total, cost €0–€5 typical, ease medium.
– Card route: speed instant to 1 day, cost 1%–4% or fixed fee, ease high but limited availability.
– Business route: speed 1–3 business days, cost standard PayPal fees (2.9% + $0.30), ease high for supported countries.

Watch out for:
– Stacking fees. Example full path cost: PayPal sale 2.9% + $0.30, PayPal conversion 2.5%, Revolut top‑up card 1.5% equals 6.9%+ in total.
– Weekend premium. Expect an extra 0.5%–1.0% on weekend FX.
– Limits that block instant moves. Example daily card top‑up limit €2,000 could stop large fast transfers.

Comparison table

Three troubleshooting tips if transfers fail

1) Check verification and limits
– Verify your PayPal and Revolut accounts.
– Confirm microdeposits (1–2 days) and identity docs.
– Check daily and monthly limits; example limits: €2,000 daily card limit, €10,000 monthly bank push limit.

2) Match account details exactly
– Ensure IBAN, BIC, and account name match.
– Reconcile transaction IDs and reference codes.
– If PayPal rejects an IBAN, confirm the IBAN format for that country (e.g., DE, ES).

3) Escalate with evidence
– Save screenshots, transaction IDs, and dates.
– Contact PayPal first for PayPal-origin issues; provide transaction ID.
– Contact Revolut with evidence for receipt issues; provide reference and timestamp.
– Expect response windows of 24–72 hours for initial replies, and 7–21 days for resolution in complex cases.

Extra scenarios and numbers you may face

• If you sell on marketplaces, expect batches of payouts. Example: marketplace sends payouts every 7 days; PayPal then processes withdrawals in 1–3 days.
• If you handle USD receipts but want EUR in Revolut, plan FX steps. Example: $5,000 converted at 1.5% costs $75.
• If you need instant access to funds and expect to move €5,000, check card limits and fees. For a €5,000 instant move at 1.5% fee, expect €75 fee plus potential fixed charges.
• If you reconcile 500 transactions monthly, set up CSV exports. Example: 500 rows export is usually under 2 MB and imports into accounting software in under 60 seconds.

Practical checklist before you start

• Verify PayPal identity and confirm microdeposits (1–2 days).
• Verify Revolut identity and obtain IBAN(s) for Business.
• Compare fees: PayPal merchant fee 2.9% + $0.30, PayPal conversion 1.5%–4.0%, Revolut exchange 0.0%–1.5% depending on plan.
• Decide route: bank route for low cost, card route for speed, business route for direct payouts.
• Prepare documentation: company registration, proof of address, tax ID if business.

Closing action plan — do this now

1) Choose your route based on speed or cost.
2) Verify accounts and add bank or card details.
3) Test with a small amount: €5–€50 for personal, €50–€200 for business.
4) Check timing: expect 1–5 days for bank moves, instant for cards, and 1–3 days for business payouts.
5) Keep records: save IDs, screenshots, and CSV exports.

Follow these steps. Reduce surprises by testing small amounts first. If things go wrong, use the troubleshooting tips above. You now have the exact routes, timelines, and fees to move money from PayPal to Revolut.