How to Pay Your Amex Bill with PayPal

Paying your American Express credit card bill can be quick and easy when you use PayPal While Amex does not directly integrate with PayPal, there are a couple simple workarounds that allow you to pay your monthly bill using your PayPal funds

In this guide I’ll explain the different options to pay American Express with PayPal including

• Instant Transfer
• Sending money to a linked bank account
• PayPal debit card withdrawal

I’ll also cover key tips, limitations, and steps for setting up each method.

An Overview of Paying Amex with PayPal

PayPal and American Express operate as completely separate payment systems. Amex does not offer the ability to directly link your PayPal account and make payments.

But PayPal does give you a few ways to move money from your Paypal balance to your bank, which you can then use to pay your Amex bill. The main options are:

• Instant Transfer – Instantly move PayPal funds to your bank debit card for a 1% fee.

• Send money to linked bank account – Free transfers to bank account, but takes 1-3 business days.

• PayPal debit card withdrawal – Use PayPal branded debit card to withdraw cash from ATMs.

The best option depends on your needs like speed, fees, and convenience. I’ll break down how each method works in more detail next.

Pay with Instant Transfer

The Instant Transfer feature allows you to quickly move money from PayPal to your bank debit card. It’s the fastest way to get PayPal funds into your checking account to pay bills.

Here is how Instant Transfer works to pay American Express:

1. Transfer money from your PayPal balance to your bank debit card.

2. Log in to your Amex account and make a payment from your checking account.

3. The transferred funds will be available in minutes to pay your Amex bill.

There is a 1% fee for Instant Transfers, with a minimum fee of $0.25 and maximum fee of $10.

Tips for Using Instant Transfer

• Double check your debit card is linked to the correct bank account.

• Transfers are usually available in minutes but can take up to 30 minutes.

• The 1% fee still makes it very affordable for quick transfers.

• You can transfer in amounts between $5-$5,000.

Limitations

• Only available for U.S. PayPal and bank accounts.

• Need a debit card linked to a bank account.

• The 1% fee makes it expensive for large dollar transfers.

Send Money to a Bank Account

You can also pay your Amex bill by sending funds from PayPal to your linked checking account. This method is free but takes longer (1-3 business days).

Follow these steps:

1. Log in to your PayPal account.

2. Select “Transfer Money” and choose your bank account.

3. Submit the transfer and wait 1-3 business days.

4. Once the money is in your account, log in and pay your Amex bill.

Tips for Sending to a Bank Account

• Make sure your bank account is confirmed in PayPal.

• You can transfer $5 to $2,500 per transaction.

• Schedule recurring transfers for automatic bill pay.

• Transfers go through faster if you verify your bank account.

• It’s completely free to transfer money this way.

Limitations

• Takes 1-3 business days for transfers.

• Need a U.S. bank account linked to PayPal.

• Transfers above $2,500 require bank approval.

Withdraw Cash with a PayPal Debit Card

If you have a PayPal branded debit card, you can use it to withdraw cash from ATMs to pay your Amex bill.

Follow these steps:

1. Use the PayPal debit card at an ATM to withdraw cash.

2. Deposit the cash in your checking account you use to pay Amex.

3. Log in to Amex account and make a payment from the checking account.

This allows you to quickly pull money out of PayPal to pay bills with cash.

Tips for Using the PayPal Debit Card

• You can withdraw up to $3,000 per day at an ATM.

• Start by withdrawing smaller amounts until you activate your card.

• You can use any ATM that accepts MasterCard.

• ATM fees may apply based on the machine.

Limitations

• Need to wait for physical debit card to arrive.

• Daily ATM withdrawal limits apply.

• Not available for some types of PayPal accounts.

Which Option Should You Choose?

The best way to pay your Amex bill with PayPal depends on your specific needs. Consider the following:

• If you need to pay your bill immediately, use Instant Transfer.

• To avoid fees, opt for sending money to your bank account.

• Use the PayPal debit card if you need cash fast.

Take the time to review the pros and cons of each method. Choose the option that makes the most sense based on transfer time, fees, and convenience.

Tips for Linking Amex and PayPal Accounts

Here are some top tips to keep in mind:

• You must have a U.S. PayPal account and U.S. bank account.

• Verify your bank account in PayPal for faster transfers.

• Learn how to move money between your accounts first.

• Set up Instant Transfer and test it out with small dollar payments.

• Schedule recurring transfers on a billing date for automatic payments.

PayPal Provides Flexible Amex Payment Options

As you can see, PayPal offers a few handy ways to pay off your Amex bill. The process takes just a few simple steps once you understand how to move funds between the accounts.

I recommend taking the time to link your accounts, test transfers, and set up automatic payments. With a bit of setup, PayPal can make paying your monthly American Express bill quick, easy, and painless.

The flexibility and convenience of using PayPal to pay bills is a great benefit. So link up your accounts today and put your PayPal balance to good use!