How To Pay Swift Code With Paypal

How To Articles

As a tech enthusiast and frequent user of online payment methods, I have always been fascinated by the convenience and security they provide. One particular service that has caught my attention is PayPal, a widely-used platform for transferring money electronically. In this article, I will guide you through the process of paying with PayPal using a Swift code, providing you with step-by-step instructions and personal insights. So, let’s dive in!

What is a Swift Code?

Before we delve into the details of paying with PayPal using a Swift code, let’s first understand what a Swift code is. A Swift code, also known as a Bank Identifier Code (BIC), is a unique identification code used to identify banks and financial institutions globally. It consists of a combination of letters and numbers, typically 8 or 11 characters long.

Step 1: Confirming PayPal’s Swift Code Acceptance

While PayPal is widely accepted for online payments, not all merchants or countries support payments via Swift codes. Therefore, it is crucial to confirm that the recipient of your payment accepts payments through PayPal using Swift codes. You can check this by contacting the recipient directly or visiting their website’s payment options section.

Step 2: Linking Your Bank Account to PayPal

In order to pay with PayPal using a Swift code, you need to link your bank account to your PayPal account. To do this, follow these steps:

  1. Login to your PayPal account and navigate to the “Wallet” section.
  2. Click on “Link a bank account” and choose the option that corresponds to your bank.
  3. Enter the required details, including your bank account number and Swift code.
  4. Verify your bank account by following the instructions provided by PayPal. This usually involves PayPal making small deposits into your account which you will need to confirm.

Once your bank account is successfully linked to your PayPal account, you will be able to make payments using your Swift code.

Step 3: Initiating the Payment

Now that your bank account is linked, you can proceed to initiate the payment using the recipient’s Swift code. Here’s how:

  1. Login to your PayPal account and navigate to the “Send & Request” section.
  2. Click on “Send money to friends and family” or “Pay for goods or services”, depending on the nature of the payment.
  3. Enter the recipient’s email address or mobile number associated with their PayPal account.
  4. Specify the payment amount and select your linked bank account as the payment source.
  5. In the “Add a note” section, provide any additional details or instructions relevant to the payment.
  6. Review the payment details and click on “Send” to complete the transaction.

PayPal will process the payment and notify both you and the recipient once the transaction is successful.


Paying with PayPal using a Swift code can be a convenient and efficient way to transfer money globally. By following the steps outlined in this article, you can confidently make payments using your PayPal account, providing both security and peace of mind. However, it is important to always confirm the recipient’s acceptance of PayPal payments via Swift codes before initiating any transactions. Happy banking and may your online payments be seamless!