How long do PayPal transfers take for international students in the US?

Most PayPal transfers for international students in the US take 1–3 business days for bank withdrawals and are usually instant or a few minutes when sending money to another PayPal account. When all requirements are already met and the account is fully verified, the timeline is the same.

How long each type of PayPal transfer usually takes

• Sending money to another PayPal user: Usually instant. Sometimes it takes a few minutes if PayPal is running security checks.
• Sending money to a US bank account with standard withdrawal: Usually 1–3 business days. Weekends and holidays do not count.
• Instant Transfer to a US bank or debit card: Almost immediate. Sometimes up to 30 minutes. PayPal charges a small fee for this.
• International transfer to a non-US bank account: Often 3–5 business days. The receiving bank overseas may add extra time.

What affects how long the transfer takes

• Account verification: PayPal speeds things up when your identity, phone number, and bank account are verified. For students, verification usually means adding your passport info, confirming your US phone number, and linking a US bank account.
• Security checks: If PayPal thinks a transfer looks unusual, it may hold it for review. This is common when someone is new in the US, uses a VPN, logs in from different locations, or suddenly sends a large amount.
• New bank account: First transfers to a newly linked bank often take longer because PayPal tests the connection.
• Large transfers: Bigger amounts sometimes trigger extra review. This is normal and not a sign of trouble.

If all requirements are already met

When the account is fully verified, the student uses a stable US phone number, and the bank account is linked correctly, transfers move at PayPal’s normal speed:

• Instant between PayPal accounts
• 1–3 business days to a US bank
• Instant Transfer usually under 30 minutes
• 3–5 business days for international bank withdrawals

Small tips to avoid delays

• Do not use VPN when logging in.
• Keep one main device and phone number for PayPal.
• Make a small test transfer before sending a large amount.
• Keep your name the same on your bank account and PayPal. Mismatched names slow things down.

Following this, transfers stay predictable and problems are minimal.