Do I need to have money in my PayPal account to use PayPal? 

You don’t need to have money in your PayPal account to use PayPal. If you link a bank account to your PayPal account, we’ll take the money directly from your bank account when you make a purchase or send money.

We’ll send you a receipt every time you make a payment from your bank account, giving you an easy way to track your spending.