Change PayPal from business to personal – 5 step guide

The history of PayPal shows that it is a platform that has continuously developed and evolved based on the demands of their target audience and the technology available to them.

One of the biggest evolutions that PayPal has made over the years, though, is the addition of a business account on top of a personal one.

PayPal Business is an account option for all PayPal users who are also business owners. It allows them to separate their personal money from their business income, all without the need of opening a new bank account.

However, there may come a time where you a user wants to change their business account to a personal one. This could be because they’re no longer a business owner or it could be that they’ve moved their business funds elsewhere. Either way, if this situation arises then it’s important to know what to do.

In this article, we are going to look at how PayPal users can change their account from a business one to a personal one.

We’ll also be looking at the features which make millions of business owners sign up to the business side of PayPal in the first place.

How to change PayPal from a business to personal account

Unfortunately, changing your PayPal business account to a personal account isn’t as simple as it could be.

There isn’t a button that you can click within your profile settings to complete the process and instead you need to get in touch with PayPal via their contact section in order to get the ball rolling.

To complete this process, please follow these steps:

  1. Log on to your PayPal account via the app on your mobile phone.
  2. Select your account icon on the top left hand side of the screen.
  3. From the list of options, select ‘message centre’.
  4. On the top right hand side of the message centre, select ‘new’.
  5. From here, you will be able to notify PayPal that you wish to change your account from a business account to a personal one.

It is worth noting a couple of things in regard to this switch. First of all, if you already have a personal PayPal account then you won’t be able to downgrade your business account to a personal.

This is because as per the PayPal terms and conditions, you are only allowed to have one active personal PayPal account at any one time.

Secondly, if you do go ahead and change your business account to a personal one then the process irreversible. This means you will lose access to the invoices that you’ve acquired over the years via your business account.

So, before making the move from business to personal, make sure you have saved any information from the account that you may need in the future.

PayPal Business – The Benefits

Given that we are speaking a fair bit about PayPal business, it is worth looking at the reasons why millions of business owners around the world elect to bank with PayPal.

The main benefit of PayPal business is how easy it makes accepting a whole host of different payment methods. With PayPal business, you can accept payments for your goods in the following ways:

  • Online payments via credit/debit cards.
  • PayPal Credit.
  • In person – you can accept payments with a PayPal card reader that links up with your mobile phone or tablet allowing PayPal business account holders to accept payment face-to-face.
  • QR code – Use the PayPal app to create a unique QR code which you can give to customers to scan, making their payment experience as quick as humanly possible.
  • By email – Using PayPal’s customisable invoicing tool, users can send payment requests via email.

Another key factor behind why business owners sign up to PayPal business is because of the protection you are given upon sign up.

You’ll be hard pressed to find a more secure payment transferring system than PayPal and through their business accounts you gain access to their fraud detection intel which is second to none.

Their payment system automatically detects fraud patterns, which not only saves businesses thousands of pounds on sourcing their own but gives them peace of mind that every transaction made on the platform is protected.

This is also in thanks to seller protection which helps to minimise the likelihood of claims and refund requests.


To conclude, the process of changing your PayPal business account to a personal one can be performed by quickly providing you provide the PayPal live chat assistant with as much detail as possible. You’ll need to have your Business information on hand

However, as mentioned earlier, the process is doomed to fail from the start if you already have an existing personal PayPal account as you are only allowed one as per their terms and conditions.

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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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