How to use PayPal with a Jamaican Bank Account

As an International Shopper, there are so many restrictions especially as it relates to Payment. Today, we will be looking at how you can use Paypal with your Bank Account as an International Shopper.


Firstly, there are many people who have no idea what PayPal is or how it works. According to Wikipedia

PayPal is a global e-commerce business allowing payments and money transfers to be made through the Internet

In order to use Paypal, you must sign up for a Paypal Account.Registration can be done by visiting the official website Start by selecting your country/region then your language, from here there will be two options “Individual” and “Business”. Select the option that is relevant to you, there is no charge for signing up for both options.  At the end of your sign up page there is a check box to “link your credit card” which is optional but highly recommended.

The Tricky Part

Now that you’ve signed up for your account, it’s time to shop. This is where your bank will come into place. At your initial sign up you linked a card to your Paypal account. If you have a Visa Debit/Credit Card or a Master card these will work well with PayPal. However, there are two banks in Jamaica that has partnered with PayPal to make your online commerce safe and secure, these are Bank of Nova Scotia and National Commercial Bank. If you are shopping as an Individual whenever you select the option to pay for your goods with Paypal that exact amount will be deducted from your account plus the bank fee which is usually $15 Jmd, you will be sent an Invoice which reflects your purchase from the merchant and you will also be able to check your bank statement at your local bank. If you are shopping as a business, it will be the reverse. For example, if you have an E-commerce site or offer a particular service the money will be sent to your account and Paypal will add a fee, this fee is not one set rate as it depends on the amount of money that was sent to you. It is usually anywhere starts at $1.42. The downside to using Paypal as a business is that there are several restrictions.

·         For Jamaicans, you can only transfer money from Paypal to your account if its $150 Usd and over. Therefore, the money will literally be sitting in your Paypal account only for shopping purposes.

·         Once you have $150, you will able to “Request a Check” from Paypal which takes 4-6 days to process and will attract a $5 usd fee.

Paypal is a very convenient and secure way for Jamaicans to shop online if you are an individual. It is a great way to pay for your items without merchants seeing your personal information which is a big concern for many Jamaicans


  1. Sam Williams says:

    Thanks for this article.
    I have a verified paypal account connected to my scotia Jamaica account. Question: where you say “For Jamaicans, you can only transfer money from Paypal to your account if its $150 Usd and over.” do you mean from paypal to your bank account? If so, how do you do this?

    • Hi Sam, yes Paypal has certain limits for certain International Users the last amount was not less than $150 usd. Yes , i meant from Paypal to your account. To do this go to “Withdraw” which is located under the “Send Payment” Tab in Blue. Click on the option that says “Request a check from Paypal”.There is a processing fee of $5 … it takes 4-6 Business days for the check to be processed.

  2. There is one thing I’m not clear on, Lorane. After those 4-6 Business Days, the funds will be in my bank account? Previously I knew you had to have them send you a check which took a couple days, then you had to wait 30 days for the bank to change it. Can you confirm that this process is no longer necessary as long as you have over US$150?

    • Hi Stacy … the 4-6 Business days is the Processing Time they take to get your check together … it is then mailed to you , then you are able to deposit it into your bank account. All the above still apply :-(

  3. I see…so it really takes about 6-8 weeks to get your money from Paypal and only if it above US$150. I really wish there were a better way.

  4. suppose the item your selling is not that pricey will pay pal accumulate it and then send the cheque when it reaches the 150 mark?

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  14. Hi Loraine,
    your article on paypal answered some of my concerns but im still not clear on how to receive payment from them without having a us$ account. Will they draw me a cheque and mail it to me in Jamaica? How long does that usually take?

    • Hi Janet,

      Thanks for your comment. You do not need to have a U.S account. Once you have created a Paypal account … once it reaches $150usd you can opt for then to send you a check which takes 3-4 days to clear then it will be mailed out to you after which you will be able to deposit it in your bank account. You will then have access to that money in 30 days. * The check cannot be changed to cash .. only deposited

  15. i cant find how to calculate PayPal exchange rate from JMD to of March 14 2014 i heard its 115 JMD to 1 USD. how can i be sure

    • Hi , sometimes that can be a bit tricky… try contacting Paypal and let me know how it goes … There was once a standard rate

  16. you dont have to go through the long process of waiting with paypal checks nor do you have to use expensive wire transfers. payoneer is the solution to getting your money from paypal fast and easy right here in Jamaica. payoneer basically gives you a US bank account (routing number, account number..) so that you can link your paypal account to your payoneer account, you access your funds through your payoneer debit mastercard which you will be sent to you when you sign up. it can be used at any atm worldwide that accepts mastercards. so you can just go to the atm and withdraw your money, simple and easy. you can sign up here or check out my blog for more detailed info

    • Hi Chaniqua … There is a stand-alone post on here about Payoneer .. Thank you for your tip , feel free to share any other information you might have

      • np. Will do!!!

        • hey, so i updated the blog with all the associated fees of payoneer, i think i covered everything concerning them, or at least I hope so. I did a transaction at NCB using the payoneer card and it worked!! yay!! and I also uploaded the receipt. So for now payoneer is fast and easy option in comparison to the paypal check. So you can take a look and decide if you wanna go with it. If i find any other option/solution, i will do another blog and let you know about it!

          God Bless you!!

          • I’m an online freelancer in Jamaica and I just received my Payoneer card today! I was so excited. I have a Paypal account but didn’t have the option of getting a debit MasterCard with my bank and have NO interest in getting a credit card. Luckily I have the option of having my funds sent directly to my Payoneer account :) I’m going to check out your article on it now. Also, thanks for the article Lorane.

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  20. Hey guys, Leighton here from Hi5 Jamaica Services. I’ve seen the cry of many as it relates to paypal and the issues in getting funds from it. I’ve been in online trading since 2005 and it has been a burdensome road. I’ve had a breakthrough however in being able to access funds locally via paypal and I’ve decided to assist those who need help.

    If you have no patience or just need cash now, feel free to contact me directly for more information, the cost calculator etc. It’s a one on one service so rest assured that you will be dealing with a real live person each time.


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  22. michael rodriquez says:

    I tried to set up my paypal account, it worked but am very confuse as to why I have a colombian address and I can’t get it change. I really need some help and advice here. :-(

  23. Badd Indyann says:

    Respect, very helpful.

  24. Hi,

    I just came across your blog and must say great job :) . I wanted to chime in and inform you and your readers of a better and much faster option to withdraw your funds from Paypal. You will have access to your funds in three days or less (depending on how quickly Paypal sends it). The basics is that you will be get a US account and international credit card that you can also use to shop online. This article explains it all, including my experience. I have been using i t for over a year. Enjoy :) . Oh… You can transfer any amount to your card.

  25. Paypal has a restriction that says check can be cash by non US banks, any knows if it can be deposited to local accounts. Anyone has tried it

  26. Hi Lorane,

    i am having a problem. I set up my Paypal with a US address, now I am in Jamaica, I would like to have this address on my account. They said i cant change the address. If they gonna mail things to me, they will do so at the US address. How do i fix this?

    • of course the address can be changed … I’ve changed mine a few times. Go to the Profile page and select the option that says “Change Address” . If it does not work .. contact paypal via e-mail or phone. Let me know how it goes

  27. I tried to link my paypal account to my payoneer mastercard and it keeps on saying fail to do so, what do i do? I already have the payoneer card but there is no money on it though

  28. Very informative post Lorane. I am still unclear as to how I add my local bank account to Paypal or did I read that wrong?

    Also as it relates to Payoneer my Paypal is not accepting the Payoneer credentials any assistance would be greatly appreciated.

    • Hi Tesa , I apologize for the delay in response .. I will be grouping all the similar questions and provide a detailed answer over the weekend

  29. I have set up a Paypal account however I have a Colombian address and there seems to be no option for changing it. Could you assist me please…

    • Brenda … go back to the account on your profile and select “Change address” , it should allow you to do so , if not contact Paypal

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  31. FYI, NCB cannot link PayPal to your bank account, only to your credit card. the ATM card you receive from NCB isn’t a VISA debit card, it’s just a Midas/Multilink card. Scotia has a VISA debit card and you can use it on your Pay Pal account. It takes at least 24hrs to process the request to send money to your PayPal account from Scotia account as well.

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  34. can you add money to the payoneer card using atm in jamaica and usa?

  35. Shay-Lee Gordon says:

    should I take it that the long 45 days processing time is over when ur paypal account is linked with ur Scotia visa debit card?

    • Hey Shay Lee … all your questions will be answered soon in this regard … I don’t want to mis-inform you so please look out for a post to answer this question

  36. Hello Everyone, Im a young Proud Jamaican. Paypal doesn’t work with Payoneer anymore, and you cannot transfer funds from PayPal to your Jamaican Bank Account, i have been going thru this for about 6 years now. Finally I’ve manipulated a way so i can be in Jamaica and get my money from Paypal instantly. I can now help others getting their money. Please Visit Us We can assist your needs. Thanks Lorane for having this post. Everyone Please spread the word after each transaction you do with us. God Bless Us All & Thanks In Advance.

    • Thank You sooooo much … after first signing up with Payoneer …. It DOES NOT work anymore …. Please E-mail me directly so we can do a follow-up post on Remittance Jamaica … I myself can benefit from it …

  37. When I try to apply for a PayPal account.. Its askinge for a state and zip code.. I live in Jamaica.. So what should I put into that slot??
    Reply ASAP… Thanks

  38. Peter Williams says:

    If I should apply for a visa debit card can I transfer funds from PayPal to the account?

  39. Can you deposit money in your PayPal account

  40. Hey, what about paypal prepaid master card? Does it work in Jamaica?

  41. So I am trying to set up a Paypal account and I am in Jamaica but I would like to do this for payments and also for shopping. Should I should I sign up for personal and business or i can just sign up for either?

  42. Hi,
    I’m a little confused, I use paypal and I recently opened a usd Scotiabank account in jamaica, I wanted to know if I still wouldn’t be able transfer funds from paypal to that bank account and withdraw from the usd atm or in the bank Or how long does it take ?

  43. Hello…i have never used paypal before but plan to in just a few weeks…and the question i have is ..does paypal have a postal address in jamaica where they ship goods to…? Because is not everyone in jamaica has access to an overseas address..please respond…thanks..

  44. Beryl Reid says:

    I will b in the states in a few weeks, how do I go about getting the paypal debit card?

    • Visit the Paypal Website and click “Tools” to see if this option is available. There is also a section that says “more” which should have a drop down Menu of all options

  45. how do i topup my payoneer card cause its empty i just recieve it i want to put money on it

    • Cash can be sent from your Paypal Account to Payoneer or from a US Account. If none of these are applicable … visit the FAQ section on Payoneer

  46. Beverley bowen evans says:

    Hello. I have not read all the posts UT from the few I browsed they are asking the same question. I would like to, however, know the reverse.
    How can I get money from my ncb usd account into either my paypal or my payoneer accounts?

    • Hi Beverley ,

      I will definitely have to look more into this as I do not want to mis-inform you. This is something I’m currently researching and will get back to you as soon as I have all the details

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