[Answered] How to Send Money from Zelle to PayPal

As digital wallets become more popular, you may recognize the names Zelle and PayPal. While PayPal can be seen as the service to beat, money transfer apps like Celle come out on top. And if in doubt about these money transfer services, just know about major companies in the United States that support both Zelle and PayPal. But can you transfer money from cell to PayPal and vice versa?

Transfer from cell to paypal
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We asked because remittance services like Celle and PayPal aren’t supposed to provide convenience in transferring money? In this article, you will see that there is no direct way to transfer cell to PayPal. However, you can also find a workaround to make it possible without any problems.

Related: Cell App Review: Should You Use It to Send Money?

Can Zelle send money to PayPal?

It’s ironic to understand how some apps and services are interconnected in the vast space we call the internet. However, some apps are simply not digitally compatible; this is the case with cell and PayPal. As Venmo to PayPalthere is no direct link that you can use to transfer directly from zelle to paypal or from paypal to zelle.

However, there are creative workarounds to transfer funds from cell account owners to PayPal accounts. If you want to learn more, read on as we give you a comprehensive guide to the essentials of how to get money from cell to PayPal.

How do I transfer money from cell to PayPal or vice versa?

So you own Celle (or PayPal) and you want to transfer to PayPal (or Celle) and you know there’s no direct way to do that. No need to worry and panic! Below is the only guide you need to make this transaction and it’s easy!

Step 1: Link cell to your bank account

It should be easy to register your bank account with cell considering that cell is widely respected and integrated with almost all banking apps in the United States.

If you have received money from a cell connected account, you can receive this money and register your bank account with cell as follows:

  1. First, download the cell app Android or iOS Devices.
  2. Sign up for a cell account.
  3. Once the account is set up, look for your bank name.
  4. Tap Go to your mobile banking app to continue.
  5. Click the link in the SMS or email payment notification.
  6. Select your bank or credit union from the list.
  7. Follow the instructions on the page to sign up and receive your payment.
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Check here if your bank supports cell transfer

If you don’t see your bank in the list, you can register your Visa or Mastercard account manually.

  1. First, download the cell app Android or iOS Devices.
  2. Go through the installation process. Once you’re down, open the app and sign up for an account.
  3. To sign up for your Visa or Mastercard, enter your basic contact information (i.e. US phone number and email address).
  4. Once the account is set up, look for your bank name. If it doesn’t appear in the list, tap Don’t see your bank? Button.
  5. Enter your email address where you will receive a verification code.
  6. Enter the verification code in the cell app and tap Enter.
  7. Next, enter the Visa or Mastercard card number and other related bank card information.
  8. Beat Continue.
  9. Go through the rest of the instructions that you will see on the screen afterwards.

From here you can transfer money from your cell app to your bank account and vice versa.


Cell does not accept debit cards linked to international deposit accounts or credit cards.

Step 2: Send funds from cell to your bank account

The nice thing about cell is that it doesn’t include the money someone sent you. Unlike PayPal, it doesn’t have a wallet to hold a balance in and sends every penny that goes into your cell account straight to your bank. This saves you time by not having to manually send your money to your bank and wait for a hold period. All you have to do is request payment that someone owes you at cell, which you can do by following the instructions below.

You don’t use your cell app for these steps. This is because cell is integrated with mobile banking apps that it connects to, which 97% of banks in the United States are. You will see the option there in the menu area.

Let’s take Chase Bank as an example to request money from cell.

  1. First, make sure you have the Chase Bank (or any bank of your choice) mobile app installed on your smartphone.
  2. Look for the menu area button (usually represented by three stacked horizontal lines) in the top left of the Chase Bank app.
  3. Tap on QuickPay with cell under the Payment section.
  4. Select from the drop down menu Request and share money.
  5. Next, tap Add to select the person you’re asking for the money from your contact list, or enter a name in the field provided.
  6. Next, enter the person’s phone number or email address in the fields provided. Then tap add participants.
  7. On the next page, enter the amount you want to request from cell.
  8. Then tap Deposit information… and select the bank account where you want cell to send the money.
  9. Tap to exit request money. Once the person approves your request, you will receive the money straight into your bank account, which you can then send to PayPal.

Step 3: Link your bank account to PayPal

Send money from cell to PayPal
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Now that you’ve linked your cell account to your bank account, it should be easy to transfer money back and forth. In fact, you’ve taken the first step to being able to send money from cell to PayPal as well.

Let’s use Chase Bank again as an example to transfer money from your bank to PayPal.

  1. First, download the PayPal app Android or iOS Devices.
  2. Open the app once the download is complete.
  3. Tap Wallet at the bottom of the options you see on the screen.
  4. Next, tap the (+) button next to the banks and cards Headline.
  5. Now select the debit and credit cards Possibility.
  6. Enter your Chase Bank card number and complete the rest of the linking process.

Step 4: Transfer money from your bank to PayPal

Now, the final step in transferring funds from cell to PayPal is to simply fund your PayPal account through your linked bank account. To do this, follow these steps:

  1. Open your PayPal app and log in to your account.
  2. You should see your PayPal balance on your home screen. Tap the three dots icon to open more options.
  3. Select from the pop-up menu Add money from the bank.
  4. Next, enter the amount you want to redeem, then tap Next Continue.
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Since you have linked your Chase Bank account by default, the money should appear in your PayPal balance in real time.

What is the cell and PayPal transfer limit?

Since there is no direct line to transfer funds from cell to PayPal, the answer to this question will vary. The steps outlined above show a three-way transfer from cell to your bank account – from your bank account to PayPal. From this alone we can deduce the following:

  1. PayPal has a limit of $10,000 per transfer transaction. If you want to transfer more than $10,000, you simply have to repeat the transfer process.
  2. Your chosen bank has also set a transfer limit. For example, most Chase Bank accounts can transfer $25,000 per day. On the other hand, Chase Private Client and Chase Sapphire Banking limits are $100,000 per day.
  3. According to Zelle, “If your bank or credit union doesn’t already offer Zell, your weekly sending limit is $500. Please note that you cannot request an increase or decrease in your sending limit.”

So it really depends on your bank’s set transfer limit – the bank account you have linked in both cell and PayPal – how much you can transfer to your PayPal account per day.

Does cell charge a fee for sending or receiving money?

Here’s a beauty of using cell – cell doesn’t charge its customers for sending or receiving money. However, it would be advisable for customers to check with their banks about possible additional fees from their side.

Cell vs. PayPal: Which is Better?

PayPal remains a preferred digital wallet for digital transfers simply because you can access it anywhere and for anything you need. PayPal can be used as a digital wallet and pay for all purchases across America. In addition, you can also link a bank of your choice to PayPal; In fact, almost all commercial banks can be easily and conveniently connected to PayPal. In comparison, Zelle has a specific list of member banks. And if your bank isn’t a member, you can link it to cell, but its features, particularly transfer limits, vary.

All in all, PayPal is more attractive as it can transfer faster and more directly to most commercial banks and eWallet services. But cell is not such a bad service either.

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