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PayPal step by step

Everything you need to know about how to download and set up PayPal and accept payments.

 

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What is the FNB Top-up Service with PayPal?

  • The FNB Top-up Service with PayPal allows you to top up funds from your qualifying FNB ZAR account to your linked PayPal account to shop online or make payments with PayPal.
  • The Top-up service is only available to FNB customers.
  • A Top-up takes less than 10 minutes to reflect in your PayPal account.
Ts & Cs apply

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What is the FNB Withdraw Service with PayPal?

Whether it's for a job you did, goods you sold, an event you organised or a gift from family or friends from abroad, with PayPal you can easily accept payments from anyone with an email address.

  • The FNB Withdraw Service with PayPal allows you to withdraw funds paid into your PayPal account to your FNB or any linked South African bank account.
  • You will need an FNB Online Banking profile. If you don't bank with FNB you can create a free FNB Online Banking profile and link your PayPal account to your South African bank account.
  • A withdraw from a PayPal account takes 3 to 5 business days to reflect in your linked South African bank account.
Ts & Cs apply

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Purchasing

When purchasing from a merchant who accepts PayPal, PayPal debits the payment method linked to the buyer's PayPal account and credits the merchant's PayPal account without exposing the buyer's full financial information.

 

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Send money in a few seconds

Enter your recipient's email address, enter an amount and select the currency. PayPal will notify the recipient. You can send money to almost anyone with an email address, they just need to set up a PayPal account, if they don't have one yet.

To learn more about how to send money, visit
http://www.paypal.com/za/webapps/mpp/send-money-online

 

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Seller Protection is available for your eligible payments

If you received an unauthorised payment or a buyer claims he never received the item, the PayPal Seller Protection can help you get the full amount of an eligible payment, if you meet the requirements.

To learn more about Seller Protection, visit
https://www.paypal.com/za/webapps/mpp/seller-protection

 

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Buyer Protection is available for your eligible purchases

Whether the item you bought online doesn't arrive or doesn't match the seller's description; PayPal's Buyer Protection may reimburse you for the full amount of the item plus postage.

To learn more about Buyer Protection, visit
https://www.paypal.com/za/webapps/mpp/buyer-protection

 

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Set up your PayPal account in four steps

Getting started

Getting started

Getting started



01: Create and verify your PayPal account

  • Go to www.paypal.com/za
  • Select 'Sign Up'
  • Select PayPal Account
  • Complete the required information and create your account
  • Confirm your email address
  • You will need to verify your PayPal account by selecting 'Get Verified and linking a debit or credit card to your PayPal account'.
  • PayPal will charge a nominal fee to the card, such fee will be refunded later
  • A four-digit code will be embedded in the transaction reference on your bank statement
  • You need to enter the four-digit code on the PayPal website for your account to be verified

02: Register for your free FNB Online Banking Profile

Register for your FREE FNB Online Banking profile (you do not need an FNB bank account) by selecting 'Register' on the home page

03: PayPal account linking

Log in to your FNB Online Banking profile and link your verified PayPal account to your bank account
Log in to your FNB Online Banking profile from the home page

  • Select 'My Bank Accounts' or 'Forex'
  • Select the Menu option and then 'PayPal Services'
  • Select the Menu option again and then select 'Link your PayPal Profile'
  • During the linking process, you will be able to add a non-FNB bank account for withdrawal purposes

04: Transact

You are now ready to:

  • Top up funds from your FNB account to your PayPal account and pay online with PayPal, or
  • Receive payments into your PayPal account and withdraw funds to your linked South African bank account
  • All top-up and withdraw transactions are done from the FNB Online Banking site
  • Each top-up and withdraw transaction will require a separate Balance of Payment (BoP) code
  • Supporting documents must be available on request from the South African Reserve Bank
  • All top-up and withdraw transactions are reported to the South African Reserve Bank

PayPal - pay and get paid globally

The safer, easy way to pay & get paid immediately

PayPal is a trusted brand and partner to over 250 million customers in more than 200 markets around the world.
PayPal is one of the world's leading digital payments platforms.

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About FNB & PayPal services
FNB PayPal Guides
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About

FNB & PayPal

Since 2010 FNB and PayPal, through their partnership, have been providing a convenient way for South Africans to withdraw their PayPal funds into a South African bank account, giving them the ability to join the global market.

  • It is as easy as paying with either a card or a PayPal balance from almost any device with just a few clicks.
  • PayPal never reveals your full financial information.

Joining the service is simple. Open a PayPal account + register for the FNB Online Banking profile and withdraw the money to any South African bank account. Get Paid with PayPal and withdraw with FNB, or you can Top-up your PayPal account using your FNB bank account, and enjoy shopping worldwide.

How it works

How it works

Shop online around the world

As a buyer, when you sign-up for PayPal, enter your credit card details once and then use your PayPal username and password to shop online with 14 million merchants around the world. If you do not have a PayPal account, you can pay by using your credit card details as a guest payment subject to the functionality being enabled.

PayPal Account

A buyer and a seller (merchant) each have a PayPal account.



Funding Source

A user links their credit or debit card to their PayPal account.



Purchasing

When purchasing from a merchant who accepts PayPal, PayPal debits the payment method linked to the buyer's PayPal account.

Read more

Withdraw

The merchant can then withdraw the funds to their South African bank account or an FNB Business USD Global Account (CFC) through FNB.



Why use PayPal

Why use PayPal

Shop with peace of mind

Shop worldwide with just an username and password. PayPal's anti-fraud technology helps to keep your information secure.

OneTouch

Pay even faster with OneTouch, stay logged in and check out without entering your password.



Send money

Send money in a few seconds any time, anywhere.

Read more

Seller Protection

Seller Protection is available for your eligible payments.

Read more

Buyer Protection

Buyer Protection is available for your eligible purchases.

Read more

Getting started

Getting started

Set up your PayPal Account in four steps

 
Fees and timelines
 

Fees and timelines

What you'll pay & when you'll get it

  • No PayPal account set up or monthly fees
  • PayPal charges between 2.4% and 3.9% + fixed fee per transaction
  • PayPal currency conversion fees may apply at 2.5% above the prevailing exchange rate
  • FNB will quote a ZAR/USD exchange rate for each top-up or withdraw transaction if applicable
  • With the FNB Tiered Pricing structure you will pay between 0.81% and 1.51% depending on your previous month's transactional value for top-up and withdraw transaction

Note that a withdrawal from your PayPal account takes 3 to 5 business days to reflect in your linked South African bank account

A top up takes less than 10 minutes to reflect in your PayPal account.

For more details on PayPal's fees please visit https://www.paypal.com/za/webapps/mpp/ua/useragreement-full#exhibit_A

Getting it made easy

Getting it made easy

PayPal

Qualifying criteria

  1. FNB Online Banking
  2. Qualifying South African Bank account
  3. Verified South African PayPal account

How to get it

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Other ways to apply

Find a branch

Visit www.fnb.co.za and select to Register

What you'll need

You need to ensure that you comply with all South African Reserve Bank regulations as this is a cross-border payment.

Terms & Conditions    Pricing Guide

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First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).