PayPal Confirm Bank Account No Deposits | Problem Solved

By Robert Courtneidge 10 Min Read

I understand you are waiting for the 2 small deposits from PayPal to confirm your bank account. PayPal confirm bank account no deposits is a common issue often caused by a common problem—submitting incorrect bank details.

Sometimes, these deposits can take up to 3 business days or even more to appear. If it’s been 5-7 days and you still haven’t seen them, you should double-check the bank information you have given to PayPal, such as your account number, IFSC code, SWIFT code (if needed), and beneficiary name. There’s a possibility that there was an error in the details you provided to PayPal, causing a delay.

If you don’t receive the deposits after 7 days, reach out to your bank. And if you find that the deposits are still not there, you might want to consider removing and re-adding your bank details on PayPal. This way, you can ensure the accuracy of the information and request the deposits again. Also, it’s you should check if you have actually initiated the deposit request to your bank from PayPal.

[box title=”Key Takeaways” style=”soft” box_color=”#333333″ title_color=”#FFFFFF” radius=”3″]
  • If you haven’t received the 2 small deposits from PayPal to confirm your bank account, check your bank details for accuracy.
  • Wait up to 5-7 business days for the deposits to appear, and if they don’t, contact your bank.
  • Ensure your bank account matches your PayPal account’s name and isn’t linked to another PayPal account.

What Are the 2 Small Deposits from PayPal?

The 2 small deposits from PayPal are test payments sent to your bank account to be used for verification. Within the next 3 business days, look at your bank statement, you’ll see 2 tiny deposits from PayPal. Each is between $0.01 and $0.99 USD.

If you want, you can call your bank to know the precise deposit amounts.

Once you have the amounts, put them into your PayPal account to complete the bank account confirmation process.

PayPal Confirm Bank Account No Deposits

PayPal Confirm Bank Account No Deposits

So, Why haven’t I received the 2 small deposits from PayPal to confirm my bank account? Sometimes, this is due to PayPal confirm bank account not working. I will help you fix this issue the same way I have helped many others fix a similar PayPal verification issue.

That said, PayPal confirm bank account no deposits could be due to the following problems (with fixes):

  1. U.S. Bank support.
    • Your bank must be based in the U.S. for it to be connected to PayPal.
    • If it is a UK PayPal, the same applies.
  2. Your PayPal account’s name should match the name on your bank account. Otherwise, you will encounter the problem of PayPal confirm bank account no deposits.
  3. If your bank account is tied to another PayPal account, you need to detach it from that account first. You can’t have it linked to two PayPal accounts simultaneously.
  4. One bank account can only be associated with up to 3 PayPal accounts during its lifespan.
  5. If your bank account is currently connected to a PayPal account with either a negative balance or a limitation, this is the reason for PayPal confirm bank account no deposits.
  6. When trying to confirm your bank account with PayPal, if you enter the deposit amounts wrongly three times, the bank account gets removed. If this happens, you should get in touch with PayPal to guide you on how to restore your bank account.
  7. Some banks, especially online-only or prepaid ones, might not be suitable for use with PayPal. An example is Payoneer.
  8. You might have received the 2 deposits but your online bank isn’t showing them in your statement. In this case, contact your bank.

*On occasions, PayPal might allow the same bank account to be linked to a second account. If this is the case, you’ll be notified when you attempt to link it.

How Much Does PayPal Deposit Into Your Bank Account for Verification?

When you choose to enter your bank account number manually, PayPal will ask you to confirm your bank account.

Check your bank statement within 3 business days for 2 small deposits, each between $0.01 and $0.99 USD sent from PayPal.

Note that these two deposits amounts are often different since they are meant for verification purposes. So, one PayPal account may receive different 2 deposit amounts between $0.01 and $0.99.

How Long Does it Take for PayPal to Deposit Money to Confirm Bank Account?

It takes 3 business days for PayPal to deposit money to confirm your bank account. So, once you enter your bank account number manually, PayPal will request that you confirm this bank account. You should see 2 small deposits (each between $0.01 and $0.99 USD) sent by PayPal in your bank statement.

Fortunately, PayPal allows you to link your bank account instantly if you don’t want to manually verify with the 2 deposits.

Using a computer

  1. Go to the Wallet section.
  2. Click Link a card or bank.
  3. Choose Link a bank account.
  4. A list of banks will appear, or you can search for yours.
  5. For instant bank account linking, type in your bank login credentials. PayPal will then check with your bank and confirm it on the spot.

But if that’s not your thing or the fast-track option isn’t available for you, you have to manually input your bank details. Then hit ‘Agree and Link’. Unfortunately, the manual route requires you to ask PayPal for the 2 deposits to verify.

Using the PayPal app

  1. Click on the Wallet icon.
  2. Tap the ‘+‘ near “Banks and cards”.
  3. Choose Banks from the menu.
  4. Either search for your bank or pick from the presented list.
  5. To make the connection instant, enter your bank login details. PayPal will get in touch with your bank and validate the details instantly.

How Do I Confirm My Bank Account on PayPal?

PayPal Confirm Bank Account No Deposits

To confirm your linked bank account on PayPal, you need to confirm the two small deposits. Follow these few steps:

  1. Go to your PayPal page and select Wallet at the top.
  2. Find and click the bank account you’d like to validate.
  3. You will need to enter the exact amounts of the two deposits. For instance, if you got deposits of 0.12 USD and 0.07 USD, type in 12 and 07.
  4. Click the Confirm button.

Once done, the starting withdrawal restriction on your PayPal account will be lifted.

Conclusion—PayPal Confirm Bank Account No Deposits

It seems you haven’t initiated the process to send details to your bank account.

Some banks might group the two little deposits into one sum. If you spot just one deposit, reach out to PayPal for bank confirmation or try an instant link-up. These small deposits are only temporary. For instance, if you see deposits of $.05 and $.15, a $.20 debit by PayPal will appear in your account.

To confirm, visit your PayPal profile, select the ‘Update’ next to your bank account, and hit the ‘Confirm’ button. You’ll notice the steps labeled as step 1, step 2, and step 3. There’s also a distinct ‘Set up Direct Debit’ link.

Clicking this will require you to provide more details. After this, the two deposits should reflect in your bank within 2 to 3 business days.

Read alsoCan You Send Money to Yourself with PayPal Credit?


  • How do I confirm my bank account with PayPal? PayPal
  • Why can’t I link a bank account to my PayPal account? PayPal
  • How do I link a bank account to my PayPal account? PayPal

Read alsoHow to Get Cash Advance from PayPal Credit

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Independant Industry Expert in Payments and the Digital Future of Money, Co-Editor of The PAYTECH Book, top Payments Lawyer and voted No. 1 in Payments Power 10 at #PayExpo What do I do? I solve the problem of moving payments firms into the new era of money. Traditional financial services businesses risk getting left behind as Generation Z leapfrogs the banks, opting instead for big techs, challengers, and social commerce propositions. Ignoring blockchain technology and the widening knowledge gap between the financial services and digital sectors puts businesses at risk of falling behind their competitors, compromising their competitive edge, and ultimately becoming redundant.
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