Hack: Buying Bitcoins with Paypal Instantly via Circle (US Only)


As you may know, even though Paypal has been very supportive of Bitcoin lately there’s still no easy way to purchase Bitcoins with Paypal easily.  I’ve covered in a previous posts 5 legit ways you can buy Bitcoins with Paypal but most of them take either a lot of time or a lot of money in fees.

Recently I got an email from a subscriber of mine stating the following:

paypal BItcoin circle email

Of course this got me intrigued so I asked him about it. It turns out there’s a really simple  hack you can do to get Bitcoins with Paypal instantly using Circle. There are a few limitations though:

1. You need to live in the US

2. You need to have a verified Paypal account linked to a credit card / bank account

If you’re OK with these two limitations then you’re good to go. Here’s how it’s done.

Step 1 – Open a Circle account

Head up to Circle and open an account. I’ve reviewed Circle before and it’s a great service provider for buying Bitcoins with a credit card. Opening an account is pretty straight forward and you shouldn’t run into any problems.

Step 2 – Get a Paypal Debit Mastercard

If you already have a Paypal Debit Mastercard (not to confuse with a Paypal prepaid card) then you can skip this step. If not, you can apply here. Application takes a few minutes, this includes the result if you’re approved or denied. Once approved it can take between 2 to 4 weeks to receive your card in the mail. Once the card arrives you’ll need to activate by calling a toll free number or through logging in to your account.

Step 3 – Connect your Paypal Debit Mastercard to your Circle account

Go to your account -> settings -> linked accounts and click on “add account”. You can then enter the details of your Paypal debit mastercard.

circle link new card

Step 4 – Buy Bitcoins with Paypal instantly!

Once your card is connected you can now but Bitcoins and your Paypal balance will be the first to be used in this purchase. You can also sell Bitcoins and withdraw the dollar balance back to your card.

I want to thank my reader Chadwick for brining this to my attention. This is definitely one great hack which will allow many people to buy more Bitcoins. Personally I can’t use this hack since I don’t live in the US but I’ve already confirmed on a recent Reddit post that this actually work. Good luck!

Ofir Beigel

Owner at 99 Coins ltd.
Blogger and owner of 99Bitcoins. I've been dealing with Bitcoin since the beginning of 2013 and it taught me a lesson in finance that I couldn't get anywhere else on the planet. I'm not a techie, I don't understand "Hashes" and "Protocols", I designed this website with people like myself in mind. My expertise is online marketing and I've dedicated a large portion of 99Bitcoins to Bitcoin marketing.


  1. The title “Buying bitcoins with PayPal instantly” is very misleading. This is actually probably the slowest method to buy bitcoins with PayPal unless you already have a PayPal debit card. You can transfer the PayPal balance into your bank account then use the same bank with circle and have the Btc in less than 5 ways. If you do this method, you have to apply for the PayPal debit card, which isn’t actually that easy to get. My wife was unable to get one at all, and she has an almost perfect credit score. My application was initially denied, then I contacted PayPal via phone and 48 hours later they accepted it (still wouldn’t approve my wife). Then almost two months later, I get the debit card in the mail. So this method takes around two months, it is by no means instant unless you already have the PayPal debit card, which many people don’t since it shows up as an inquiry on some credit reports, even though it isn’t supposed to.

  2. When you cashout to your prepaid debit card they put a hold on it because it comes up as a return so now they said I need receipts showing it as a return. So now I might of lost all my money. How can I fix this? thanks

  3. Hello guy
    have some coins just 2.96 btc ready right now
    accept either wu cash or paypal skrill funds
    can give 7% discount in current btc price for buy all coins

    for more discuss write back message via email to: steve.harrs (at) gmail.com

  4. This does work, however you are limited to $100 for one transaction a week. It is still extremely useful though! Hopefully after a few weeks of doing this my limitation will increase. You can also do this on coin.mx but there is a mark up of 7.5%.

    • Ofir Beigel on

      Interesting I wasn’t aware of that. Although $100 a week sounds more than enough in my case.
      That’s almost 2 BTC a month

  5. Hi guys,

    you can buy BTC using a Credit Card with CoinCorner. They either accept creditcard or bank transfer. I think they have a verification process that asks you to do a bank transfer first before they accept your card, but there are exceptions depending on your work status, income and so on.


    • Ofir Beigel on

      As far as I know Coinbase doesn’t really let you buy with a credit card – it’s more of a backup so that you can quickly buy up to a certain limit they give people who entered their card info. So currently Circle ,CoinMX or other dedicated “buy bitcoin with credit card” companies are the only ones it will work with (although I haven’t tried it with them).

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