Which Domestic Bank Cards Are Supported by PayPal Binding?

As a globally renowned online payment platform, PayPal offers users the convenience of cross-border payments and collections. In the Chinese market, PayPal supports partnerships with several major banks, allowing users to link their bank cards to their accounts for rapid fund transfers and management. For Chinese users hoping to conduct international transactions through PayPal, understanding which banks support binding is a crucial step.

Currently, in mainland China, PayPal supports binding with major state-owned or joint-stock commercial banks such as Industrial and Commercial Bank of China ICBC, China Construction Bank, Agricultural Bank of China, Bank of China, Bank of Communications, and China Merchants Bank. These banks cover a wide range of user groups, enabling both individuals and enterprises to connect with PayPal. For instance, according to a financial news report in early 2025, PayPal announced further optimization of its cooperation with China UnionPay, making it easier for cardholders in more regions to bind their bank cards and enjoy the convenience of cross-border payments.

It should be noted that not all types of bank cards are suitable for binding with PayPal. Generally speaking, only credit cards or debit cards with international settlement functions are accepted. Different banks may also impose additional requirements, such as minimum balance limits or transaction caps during specific periods. Before attempting to bind your card, it is recommended to check the specific regulations of the relevant bank to ensure your card meets the requirements.

In addition to the aforementioned large and medium-sized banks, in recent years, with the development of financial technology, some emerging internet banks have gradually joined PayPal's list of partners. These institutions often attract a large number of young customers with their flexible service models and innovative product designs, injecting new vitality into PayPal's expansion in the Chinese market. However, due to their relatively smaller scale, the support they offer may be limited.

From an operational perspective, the binding process is relatively simple and straightforward. Users just need to log in to the PayPal website or mobile application, follow the instructions to enter necessary personal information and bank card details, and complete the initial binding. Once successfully bound, users can use the account for shopping, bill payments, and even withdrawals worldwide. However, to ensure account security, it is advisable to regularly review transaction records and properly safeguard personal passwords and other related information.

The close cooperation between PayPal and major Chinese banks has not only promoted the prosperity of the e-commerce sector but also provided consumers with more diverse options. Looking ahead, with technological advancements and improved service levels, it is believed that both sides will deepen their collaboration further, jointly driving the continuous growth of the digital payment industry. For those planning to use PayPal for business activities, doing prior research and selecting appropriate bank partners will undoubtedly be an important step toward success.