Yes, you can use PayPal without a bank. Many people do it in this way. First, sign up for PayPal. Choose to link a card instead of a bank. 5. You can use a credit or debit card. This way, you can pay for things online. However, without a bank, you can’t withdraw money. This means you can’t move your PayPal funds to cash. But you can still shop online easily.

Sarah, a college student, uses PayPal without a bank. She linked her prepaid card. She buys books online. Sarah likes the ease of PayPal. She doesn’t need a bank account to shop. Her card works fine. But she knows the limits. If someone sends her money, she can’t cash out.This works well for Sarah. She can keep it in her PayPal balance for online purchases. At the moment, she doesn't need a bank account.

But there are some downsides. Without a bank account, PayPal can be limiting. Mike, a freelance worker, learned this the hard way. He didn’t have a bank and used PayPal to get paid. But when he needed cash, he couldn’t withdraw it. He had money in his PayPal, but no way to access it in cash. Mike then opened a bank account. Now, he can move his PayPal money to it. Using PayPal without a bank account is possible. However, having a bank account is more ideal for full access to funds. You can shop online and pay for services with PayPal. But, a bank account is necessary to have complete control over your funds.

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