How many PayPal accounts can you have? – Answer

PayPal is an incredibly popular money transferring platform that is used by many people around the world for both personal and business use.

Due to its duel functionality and purpose, it makes sense that some users may want to open more than one account on the platform – one for personal use and one for business.

Some users, on the other hand, may be interested in having two separate personal accounts and treat PayPal like their primary banking option and have a main personal account and then a side one for savings.

Regardless of what you want to use multiple PayPal accounts for, you’ve found yourself on this blog because you want to know how many you’re allowed and how to set them up.

How many PayPal accounts can you have? The simple answer

We’re here to deliver some good news and some bad news. The bad news is that you are only allowed to set up one personal PayPal account.

And if you are caught trying to set up a second one then you risk getting your other account suspended or permanently banned.

The good news, however, is that you can set up two separate PayPal accounts, providing that one is a business account and one is a personal account.

In order to set up a PayPal business account as your second account, please follow these instructions:

  1. Visit the PayPal website on a web browser and select ‘sign up’.
  2. Select business account and enter in the email address that you wish to link to the account.
  3. Enter in your personal login details and answer all the fields relating to your business.  
  4. Read and agree to the terms and conditions
  5. On this page, a number of drop-down menus will appear. Click on them all to answer questions relating to your business type, business category and business sub-category.
  6. Enter the URL for your business if you have one, and select your country.
  7. Enter in your credit car statement name and click continue.
  8. This page is all about your own personal details. Input all the relevant data and submit.
  9. Head to your email account and verify your business account.

Once you have completed these steps you will be all set to use your PayPal business account going forward.

In order to actually be able to send and receive money from the account you will need to link a bank account to your account which can be done once you’re all set up. You will also need to verify this step with your bank.

Setting up a personal PayPal account

The process for setting up a personal PayPal account is much quicker and more straightforward. Before attempting to sign up, it is worth checking to see if you already have an account as many people sign up to PayPal at one point or another and then forget about it.

To check, select log in on the PayPal homepage and input your email address. Then select ‘forgot your password’ and follow the instructions to get a reset email sent to you.

If you receive one then it means that you already have an account set up, meaning that all you need to do is reset your password and log back in.

If you don’t receive an email then it means that you don’t have a personal PayPal account and you need to set one up. To do this, follow these simple steps:

  1. Head to the PayPal website and select ‘sign up’ from the top right hand side of the screen.
  2. Select ‘personal account’.
  3. Enter in your phone number.
  4. Enter in your email address and the subsequent boxes relating to your personal information.
  5. Link a bank account and/or credit/debit card to your account.
  6. Verify the information provided with your bank.
  7. Start sending/receiving money via PayPal.

You will then be able to use these details to log into PayPal via the mobile app, allowing you to manage your PayPal money on the go at all times, without the need for a laptop or desktop computer.

The benefits of having two PayPal accounts

Having two separate PayPal accounts can be hugely beneficial to people who own their own business.

Instead of having a mix of personal money and business money coming into one singular account, you can streamline your finances by having a separate account for all business transactions.

Not only will this help when it comes to sorting out costs with the taxman, it will also provide you with a straightforward way of finding out your company’s profit/loss margins on a monthly basis.

There’s also a lot of different integrations you can set up with a business PayPal account. This can be helpful for e-commerce transactions and online payments.

Another benefit of having two PayPal accounts is the fact that you will always have a backup account if you encounter any technical issues. If one goes down then it isn’t the end of the world as you will still be able to send/receive money on the other one.

Essentially, a secondary account can act as your fall-back – however, bear in mind there’s no need to create another one if you want to avoid harassment, as you can just block them via PayPal.


To conclude, the maximum amount of PayPal accounts one person can have is two, and that is only if one is a personal account and the other is a business account. Creating multiple PayPal accounts is easy enough too.

Essentially, if you aren’t a business owner then you should only have one PayPal account, but if you are a business owner then it may well be worth your time setting a business account up on the platform.

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Andy is a Professional Content Editor with expertise in a whole host of areas (or so he tells us anyway). His main interests are sports, tv/film and social media. He has reviewed over 100 apps so far for Apps UK.

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