Want to pay online without sharing your bank details? With PayPal you pay safely and quickly at millions of online stores worldwide. In this article you'll learn how to create a PayPal account and secure it properly.

Questions about online payments? Our specialists are ready to help! Contact us for personal advice.

What do you need?

To create a PayPal account, you need:

  • An email address
  • A phone number
  • A bank account or credit card
  • A valid ID (for verification)
  • To be at least 18 years old

Creating an account step by step

Step 1: Go to PayPal

  1. Go to paypal.com/nl
  2. Click Sign Up
  3. Choose Personal Account (for personal use)

Step 2: Create your account

  1. Enter your mobile number
  2. Receive and enter the verification code
  3. Fill in your details:
    • Email address
    • Password (8+ characters, uppercase and lowercase letters, a number or symbol)
  4. Enter your name and address
  5. Accept the user agreement

Step 3: Add a payment method

  1. Choose Link a bank account or Add a card
  2. For a bank account: enter your IBAN
  3. For a credit card: enter the card number, expiration date and CVV
  4. PayPal makes a small test payment for verification
  5. Confirm the amount that appears on your statement

Step 4: Verify your account

  1. Go to Settings > Account
  2. Click Verify your account
  3. Upload a copy of your ID or passport
  4. Wait for approval (usually within 24 to 48 hours)

Setting up and securing your profile

Turning on two-step verification

  1. Go to Settings > Security
  2. Click 2-step verification
  3. Choose verification by SMS or an authenticator app
  4. Follow the instructions to set it up

Setting security questions

  1. Go to Settings > Security
  2. Click Security questions
  3. Choose and answer two questions
  4. Keep the answers in a safe place

Setting up notifications

  • Turn on notifications for all transactions
  • Receive alerts when someone signs in from a new device
  • Set limits for payments without confirmation

Tips for paying safely with PayPal

Using Buyer Protection

  • Always pay via Goods and services
  • Keep proof of your purchases
  • Report problems within 180 days
  • Open a dispute if an item doesn't arrive

Shopping online safely

  • Check whether the online store accepts PayPal
  • Use the PayPal button at checkout
  • Never sign in through links in emails
  • Always check the URL (paypal.com)

Recognizing suspicious activity

  • PayPal never asks for your password by email
  • Watch out for phishing messages
  • Check your transaction history regularly
  • Report suspicious emails to phishing@paypal.com

FAQ

Is PayPal free? Yes, creating an account and paying online at stores is free. You only pay a small fee for receiving payments and currency conversion.

How safe is PayPal? PayPal uses advanced encryption and offers Buyer Protection. Your bank details are not shared with sellers.

Can I use PayPal without a bank account? You can pay with just a credit card, but for full functionality we recommend linking a bank account.

How do I receive money through PayPal? Share your PayPal email address or create a payment request in the app or on the website.

What if I forget my password? Click Forgot password? on the login page. You'll receive an email with a link to reset your password.

Can I delete my PayPal account? Yes, go to Settings > Close your account. First make sure your balance is €0 and there are no pending transactions.

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