How to recharger Revolut avec PayPal: The Complete Guide

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You use Revolut for personal or business banking. You hold money in PayPal and want it in Revolut. This guide is for you. It explains realistic paths to move money between PayPal and Revolut. It shows which methods work, which are restricted by country or account type, how long each route takes, and what fees and verification steps to expect. Expect clear step-by-step instructions. Expect exact numbers to check: times, verification amounts, supported-country counts. Expect a comparison table of options. Expect troubleshooting tips to complete a successful transfer. Read the quick answer if you need a fast decision. Read the full guide when you plan the transfer.

Quick Answer / TL;DR

If you want a direct bank transfer from PayPal into Revolut Business → Add your Revolut Business IBAN or local GBP account details to PayPal and request a PayPal payout. This works in about 19 countries. Expect 1–3 business days and possible bank fees. If you want to use your PayPal balance to pay merchants via your Revolut card → Add and verify your Revolut card in PayPal. Verification uses a temporary charge (typically $1.50) and a 4-digit code. If you want money from PayPal to personal Revolut → Withdraw from PayPal to a linked bank account using SEPA; transfers take up to 2 business days and PayPal usually charges 0% for SEPA (bank may charge). If you need an instant credit in Revolut → use card top-up, Apple Pay, or Google Pay; PayPal routes are usually slower or restricted.

1) Definition and context — 3 common transfer routes

List the practical routes to move funds between PayPal and Revolut. Use these three options.

A. Direct PayPal → Revolut Business bank transfer
– Work only for Revolut Business accounts in certain countries.
– Supported count: roughly 19 countries. Expect local-account formats such as GBP local account + sort code or IBAN + BIC in euro areas.
– Typical time: 1–3 business days.

B. Revolut card added as PayPal funding/verification source
– Add your Revolut Visa or Mastercard to PayPal.
– PayPal posts a temporary authorization charge, commonly $1.50.
– You must retrieve a 4-digit verification code from your Revolut transaction or statement.
– Authorization usually reverses in 1–7 days.

C. PayPal → linked bank → Revolut personal via SEPA
– Add a bank account to PayPal and withdraw using SEPA (euro transfers).
– PayPal SEPA time: up to 2 business days.
– PayPal SEPA fee: commonly 0% from PayPal; your bank may charge a fee.
– Name on PayPal and bank must match exactly (1-to-1 name match).

Explain why routes differ.
– Account type matters: PayPal Business offers direct payouts; PayPal personal usually cannot add a business bank as payout.
– Region matters: GBP local transfers differ from SEPA euro transfers. Currency rules govern whether you must use an IBAN or a local account number and sort code.
– Watch out for name mismatch. PayPal rejects bank links when account-holder names differ by even 1 character. Fix names before adding accounts.

2) Mechanics — 4 steps that make transfers possible

Break down the mechanics into four steps everyone must complete.

1) Identify account type
– Check whether you have PayPal personal or PayPal Business. This is 1 key decision.
– Check whether your Revolut account is personal or business. This is another key decision.
– Note: Business-to-business payouts have different rules than personal-to-personal withdrawals.

2) Add Revolut details to PayPal or add your Revolut card
– For bank transfers, add IBAN and BIC/SWIFT or local account and sort code.
– For card linking, add 16-digit card number, expiry, CVV, and billing name.
– Required PayPal fields: IBAN, BIC/SWIFT, account holder name (3 items). For cards: 16-digit number, expiry, CVV, billing address.

3) Verify ownership
– Card verification: PayPal posts a small authorization, typically $1.50, and includes a 4-digit code on the Revolut transaction. This is 1 verification charge and 1 code to enter.
– Bank verification: PayPal may use micro-deposits. Typical micro-deposit amounts are under €1 (often €0.01–€0.99). Count of steps: verification usually involves 2 steps (receive deposit and confirm amount or use instant verification).

4) Initiate the transfer
– Use PayPal’s Transfer function. Choose bank transfer or payout method.
– Expect confirmation time windows: 1–3 business days for direct business payouts; up to 2 business days for SEPA; instant when using a card for merchant payment.
– Watch currency conversions. If you send EUR to a GBP account, the platform may apply FX fees of roughly 0.5%–3.0%. Check Revolut in-app rates and PayPal conversion margins.

List expected confirmation times and steps
– Card auth: 1–7 days to reverse. Code shows immediately.
– Micro-deposits: usually appear within 2 business days; some instant methods confirm in seconds.
– Direct business payout: 1–3 business days.
– SEPA withdrawal: up to 2 business days.

Watch out for: currency mismatch charges and name mismatches. If PayPal converts currency, expect an FX margin of 0.5%–3.0%. If your bank charges an intermediary fee, costs may be €3–€15 per transfer.

3) Step-by-step setup — 6 steps to add PayPal to Revolut workflows

Provide actionable 6-step processes for each main route. Use the same 6-step count for each route.

A. Direct PayPal → Revolut Business bank payout (6 steps)

Step 1: Get your Revolut Business bank details
– In the Revolut Business app, open Accounts or Local accounts.
– Copy IBAN and BIC for euro accounts. Or copy local GBP account number and sort code for UK accounts.
– Expect to record 2 or 3 items: IBAN, BIC/SWIFT, and account holder name.

Step 2: Add the bank in PayPal Business
– In PayPal, go to Wallet → Add bank account.
– Enter IBAN or local account number and sort code.
– Ensure the account name matches PayPal exactly.

Step 3: Complete PayPal verification
– PayPal may use micro-deposits. Typical micro-deposit amounts are below €1.
– Confirm the exact amounts to verify. This is 1 verification action and usually 1–2 micro-deposits.
– Alternatively, use instant bank verification if available.

Step 4: Initiate transfer in PayPal
– In PayPal, select Transfer → Transfer to your bank.
– Choose your Revolut Business account as the destination.
– Enter the amount and confirm.

Step 5: Wait for arrival
– Expected time: 1–3 business days.
– Check for any bank fees: banks may charge a flat fee of €0–€15 or apply an FX margin.

Step 6: Reconcile incoming reference
– Check the Revolut incoming reference field to reconcile with PayPal.
– If reference is missing, use date and amount to match. Keep records for 1–2 reconciliations.

Numbers and notes
– Supported-country count: about 19 countries may be accepted for direct payouts.
– Timeline: 1–3 business days.
– Micro-deposit size: often <€1.

Watch out for: PayPal limits adding Revolut Business bank accounts to specific countries. Check your PayPal country settings before attempting.

B. Add Revolut card to PayPal and verify (6 steps)

Step 1: Add the Revolut card to PayPal
– In PayPal, go to Wallet → Add a card.
– Enter the 16-digit card number, expiry date, CVV, and billing address that matches Revolut.

Step 2: PayPal posts a temporary authorization
– Expect a temporary charge around $1.50. This is not a permanent fee.
– The authorization appears as a pending debit in Revolut.

Step 3: Find the 4-digit code
– Open your Revolut app and find the pending transaction.
– The transaction description includes a 4-digit PayPal code.
– The code length: 4 digits.

Step 4: Enter the code in PayPal
– In PayPal, confirm the card by entering the 4-digit code.
– PayPal marks the card as verified.

Step 5: Use the card for payments
– You can now pay merchants via PayPal using the Revolut card as funding.
– Merchant charges process instantly as purchases.

Step 6: Getting funds into Revolut via card
– Do not rely on refunds to move money from PayPal into Revolut.
– If you need to top up Revolut, use official top-up options: bank transfer, card top-up, Apple Pay/Google Pay.
– Refund route: possible but unreliable and may take 1–7 days.

Numbers and notes
– Verification auth: typically $1.50.
– Auth reversal window: 1–7 days.
– Code length: 4 digits.
– Use: immediate payment availability after verification.

Watch out for: Using refunds or merchant loops to fund Revolut is not a supported top-up method and may get blocked.

C. PayPal → linked bank (SEPA) → Revolut personal (6 steps)

Step 1: Add your personal bank account to PayPal
– In PayPal, add your bank IBAN. Use the bank where you control the account name.
– PayPal accepts SEPA transfers only in euros for adding money.

Step 2: Verify the bank
– PayPal uses micro-deposits. Typical micro-deposit amounts are below €1.
– Confirm the amounts in PayPal to verify.

Step 3: Initiate a SEPA withdrawal from PayPal
– In PayPal, choose Transfer → To your bank account → SEPA (euro).
– Enter the amount to withdraw.

Step 4: Wait for the SEPA transfer
– Expected time: up to 2 business days.
– PayPal fee for SEPA: typically 0% from PayPal for withdrawals.

Step 5: Top up Revolut from the bank
– Use your bank account to send money to Revolut using Revolut’s incoming IBAN.
– If your bank supports instant SEPA Credit Transfer, funds may arrive in seconds; otherwise expect 1–2 business days.

Step 6: Confirm and reconcile
– Check Revolut for incoming funds.
– Reconcile amounts and note any bank fees charged by your bank.

Numbers and notes
– SEPA time: up to 2 business days.
– PayPal SEPA fee: usually 0% (PayPal side).
– Micro-deposits: often under €1.

Watch out for: PayPal only processes SEPA in euros. If Revolut receives GBP, conversion will trigger FX fees between 0.5% and 3.0%.

4) Comparison table — 4 transfer options

Compare options for moving funds from PayPal into Revolut by account type, speed, fee, and geographic limits.

Summary sentence: Use direct Business payouts when supported; use SEPA withdrawals for personal accounts; use card linking only for payments, not reliable for direct top-ups.

5) Fees, limits and timings — 3 figures to verify in-app

Check these exact numbers in the apps before you attempt a transfer. Verify them in both PayPal and Revolut.

1) Card verification charge
– Confirm the temporary auth amount. Typical value: $1.50.
– Confirm reversal time: often 1–7 days.
– Confirm whether your bank blocks small authorizations; some issuers block amounts below $1.

2) SEPA transfer times and fees
– Confirm SEPA timing: up to 2 business days.
– Confirm PayPal fee for SEPA: commonly 0% on PayPal’s side.
– Confirm your bank fee: many banks charge €0–€10 per inbound SEPA; some charge €2–€5.

3) Direct PayPal → Revolut Business payout
– Confirm direct payout time: 1–3 business days.
– Confirm country support: PayPal accepts Revolut Business accounts in roughly 19 countries.
– Confirm PayPal’s payout fee: PayPal may charge variable fees depending on account setup and currency conversion.

Explain where fees may appear
– PayPal service fees: appear as a percent or fixed fee on transfers or transfers between currencies; check the fee schedule in-app.
– Currency conversion margins: PayPal often applies a conversion margin; example margin: 1.5%–3.5%.
– Intermediary bank fees: may be flat €3–€15 or variable.
– Revolut incoming fees: usually none for standard incoming SEPA or local payments, but check account terms; some business accounts may have limits.

Give examples with numbers
– Example 1: €100 converted at a 2.5% PayPal FX margin costs €2.50. You receive €97.50 before bank fees.
– Example 2: PayPal sends €500 via SEPA with 0% PayPal fee. Your bank charges €3 inbound. Net received before Revolut conversion: €497.
– Example 3: PayPal posts a $1.50 auth to verify your card. If the auth reverses after 3 days, your available balance is unchanged after reversal.

List other limits to check
– Daily/weekly transfer limits: confirm in-app limits; examples might be €10,000 daily or €100,000 monthly for business.
– Minimum transfer amount: PayPal may enforce a €1 minimum for withdrawals.
– Maximum single-transfer sizes: check PayPal and your bank; some transfers cap at €10,000–€50,000.

Watch out for: FX conversion direction. If you withdraw EUR to a GBP-only incoming account, your bank or Revolut will convert at its rate. FX can cost 0.5%–3.0% or more depending on provider and type of conversion.

Closing block — Troubleshooting and final checklist

When transfers fail, run this checklist. Use the steps below to diagnose and fix problems quickly.

• Check names: Ensure PayPal account name exactly matches bank account holder name. Even 1 mismatched character can cause rejection.
• Check account type: Verify whether you have PayPal Business or personal. Use Business direct payouts only if both sides are business-capable.
• Check country support: Confirm PayPal accepts Revolut Business accounts for your PayPal country. Supported-country count is roughly 19.
• Check verification steps: Look for a 4-digit code when adding a card. Look for micro-deposits under €1 when adding a bank. Expect 1–2 verification actions.
• Check timelines: Expect 1–3 business days for direct business payouts; up to 2 business days for SEPA; 1–7 days for card auth reversal.
• Check fees: Confirm $1.50 auth, 0% PayPal SEPA fee, and possible FX margins of 0.5%–3.0%.
• Retry smart: If a bank transfer fails, try removing and re-adding the bank after correcting names. If a card verification fails, check the 4-digit code and try again within 7 attempts.
• Contact support: Use PayPal messaging for transfer rejection codes. Use Revolut in-app chat for incoming payment issues. Expect response times of 1–5 business days depending on query complexity.

Final checklist before you start
– Confirm PayPal account type (1 check).
– Confirm Revolut account type (1 check).
– Copy correct IBAN, BIC, sort code, and account holder name (3–4 fields).
– Verify card number, expiry, CVV, and billing address (4 fields).
– Confirm current FX rates in both apps and potential margins (1–2 checks).
– Note expected waiting times: 1–3 days for business payouts, up to 2 days for SEPA, 1–7 days for card auth reversal.

You now have the numbers and steps to recharger Revolut avec PayPal. Check your app settings, follow the verified steps, and track amounts with dates and references. If you run into an error code, capture the code and contact the relevant support team with the transaction amount, date, and reference to speed up resolution.