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How To Check Your PayPal Balance: An In-Depth Guide with Tips and Tricks

Do you rely on PayPal for receiving payments or sending money online? Monitoring your balance regularly is crucial for taking control of your finances and protecting against fraud. With over 300 million active accounts, PayPal is the payments method of choice for everyone from freelancers and small business owners to online sellers and travelers. But without keeping a close eye on your balance, you could mismanage funds or miss fraudulent activity.

This in-depth guide will walk you step-by-step through checking your PayPal balance on both desktop and mobile. You’ll learn how to view transaction history, enable alerts, troubleshoot issues, and much more. With these tips, you can take charge of your PayPal account.

Why You Should Check Your PayPal Balance Daily

Here are some of the key reasons it’s important to check your PayPal balance frequently:

  • Avoid overdrafts – With 24/7 real-time balance info, you can quickly transfer funds if your balance risk dipping below zero. Overdrafts can result in fees up to $35.
  • Monitor incoming payments – Check for customer payments, freelance transfers, refunds, etc. You‘ll know immediately if a payment fails to go through.
  • Pay bills and invoices – Verify payments you sent to contractors, vendors, employees, and others were completed successfully.
  • Manage business finances – Keep tabs on payroll, purchases, inventory, and other business transactions. Real-time balance insight helps forecast cash flow.
  • Prevent fraud – According to PayPal, monitoring your account is crucial for early fraud detection. Unusual withdrawals or missing deposits can be a red flag.
  • Split payments – Ensure you have adequate funds to cover dinner splits, shared vacation rentals, group gifts, and other divided payments.
  • Payment history – Balance snapshots provide a quick overview of your transaction activity rather than sorting through statements.

No matter how you utilize PayPal – for an online store, freelance business, or simply money transfers – frequent balance checks provide vital financial and security oversight.

Balance Checking Options Compared

You can view your PayPal balance and transactions through the website or mobile app. Here‘s an overview of the key features of each:

PayPal Website PayPal Mobile App
Current Balance Easy to find on account overview page Displayed on app home screen
Transaction History Filter and search full transaction list View activity feed with search
Download Statements PDF and CSV statements available Email statements from app
Balance Alerts Enable low balance email/SMS alerts Push notifications for alerts
Disputes & Claims File disputes and claims File disputes in app

Both provide user-friendly balance management, but having both options ensures 24/7 access to monitor your account from anywhere. The app offers the convenience of mobile access while the website provides robust tools for reporting and downloading statements.

Step-by-Step Guide to Checking Your Balance on PayPal

Checking your PayPal balance only takes a few quick steps on the website or mobile app. Follow this walkthrough to view your up-to-the-minute balance and transaction activity.

PayPal Website

  1. Go to and log into your account by entering your email and password. If prompted, enter your two-factor authentication code.
  2. Your current balance will be front and center on the overview page, showing your available funds. This excludes pending transactions.

PayPal account overview page showing $123.45 balance

  1. To view transaction details, click on the Activity tab and select All Transactions. You‘ll see your balance with every deposit, withdrawal, payment, etc.

PayPal activity page with transactions and balance

  1. You can filter, search, and export your transaction history here. Refresh to update the balance.
  2. For extra oversight, turn on alerts to be notified of important account activity via email or text. Go to Settings > Notifications to customize alerts.

PayPal Mobile App

  1. Download the PayPal app and log in with your username and password or fingerprint ID.
  2. Your live balance including pending activity will be shown on the app home screen.

PayPal app home screen showing $123.45 balance

  1. Tap the Activity tab on the bottom to view your full transaction history and current balance status.

PayPal app activity feed showing transactions

  1. You can customize app notifications to receive alerts for important account events like withdrawals.

Troubleshooting Balance Issues

If your PayPal balance seems incorrect or doesn‘t reflect new/pending transactions, here are some troubleshooting tips:

  • Refresh your activity page – new transactions can take minutes to appear.
  • Log out and back in – this syncs your latest balance and transaction data.
  • Check for pending transactions under your balance that may not be reflected yet.
  • Contact PayPal support if you still cannot resolve balance discrepancies.

Expert Tips for Managing Your PayPal Balance

  • Set up low balance alerts and withdrawal notifications so you never miss important activity.
  • Link bank accounts to easily transfer funds into PayPal if your balance runs low.
  • Review your monthly PayPal statements for another overview of your account history.
  • Enable purchase approval and daily transfer limits for an extra layer of account security.
  • Download your transaction history frequently as a PayPal balance snapshot and record.
  • Contact PayPal customer service immediately if you ever suspect fraudulent charges or account access.
  • Consider upgrading to a PayPal Business Account for more financial tools and payment flexibility.

Take Control of Your PayPal Balance

Checking your balance regularly provides valuable insight into your PayPal account activity and gives you peace of mind that your finances are on track. Follow this guide to view your balance and transaction history through PayPal‘s website or mobile app. With these tips, you can take charge of your account and payments with confidence.