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Withdraw

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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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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PayPal step by step

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

 

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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 or the FNB APP and link your verified PayPal account to access the FNB PayPal Service
APP Steps

  • Select Forex
  • Select PayPal
  • Select Link now
  • 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 FNB Online Banking or the FNB APP
  • 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

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Qualifying criteria

  • FNB Online Banking
  • Qualifying South African Bank account
  • Verified South African PayPal account
  • Link PayPal to your South African Bank account through FNB Online Banking or the FNB APP

    • Close

    Documents needed

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

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    About

    FNB & PayPal

    Get Paid with PayPal and withdraw with FNB. PayPal is one of the world's leading digital payments platform. Whether you're a business owner or a freelancer. With PayPal, you can easily accept payments from anyone with an email address whether it is for a job you did, goods you sold or services you provided.

    • 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.

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    Withdraw to an FNB Business USD Global Account (CFC)

    Do you need to pay suppliers in USD? It is possible to withdraw your PayPal funds into an FNB Business Global (CFC) account, effectively allowing you to retain credit card payments in USD. This helps lower the risk and cost incurred with exchange rate fluctuations and double conversion.

    Customers must be registered for the FNB PayPal service on www.fnb.co.za. To withdraw to an FNB Business USD Global Account (CFC) please contact paypalwithdrawcfc@fnb.co.za for more information.

    • Requires a minimum transaction amount of $5,000
    • Only available for businesses, not individuals
    • Only available to FNB USD denominated Global (CFC) accounts, (restricted to USD only)
    • Customer profile must have completed the FICA process
    • Have mandate documentation to confirm authorised signatories

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    Fees and timelines

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

    • No PayPal account set up or monthly fees
    • PayPal charges between 3.4% and 4.4% + $0.30 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

    • Payment from another PayPal user is instant.

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

    Payment from another PayPal user within moments

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

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    OneTouch

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

    To learn more about OneTouch, visit
    https://www.paypal.com/za/webapps/mpp/one-touch-checkout

     

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    Refunded Returns

    You receive what you ordered, but it's just not right for you. Just send your eligible item back and PayPal can cover your return shipping costs.

    To learn more about Refunded Returns, visit
    https://www.paypal.com/za/webapps/mpp/refunded-returns

     

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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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    Get in touch

    For FNB PayPal queries please contact us on 087 572 9725 and select option 1 or email: Paypalenquiries@fnb.co.za .

    If your issue is related to PayPal, please call 1402-517-4519 OR login to your PayPal account and use the chat option for quick service.

    PayPal - pay and get paid globally

    The safer, easy way to pay & get paid immediately

    PayPal is a trusted brand and partner
    to over 377 million customers in more than 200 markets around the world.

    Get in touch
    About FNB & PayPal services
    FNB PayPal Guides

    About

    FNB & PayPal

    Get Paid with PayPal and withdraw with FNB. PayPal is one of the world's leading digital payments platform.

    How it works

    Shop online around the world

    Open an 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.



    Shop

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



    Withdraw

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

    Read more

    Why use PayPal

    Shop with peace of mind

    OneTouch

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

    Read more

    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

    Refunded Returns

    You receive what you ordered, but it's just not right for you.

    Read more

    Withdraw to an FNB Business USD Global Account (CFC)

    Do you need to pay suppliers in USD? It is possible to withdraw your PayPal funds into an FNB Business Global (CFC) account, effectively allowing you to retain credit card payments in USD.

    Fees and timelines

    FNB & PayPal

    • It's smart - Gain global customers who prefer PayPal as a more secure and convenient way to pay.

    Getting it made easy

    Get in touch

    Qualifying criteria

    Documents needed

    Terms & Conditions    Pricing Guide

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