How to top up PayPal using Momo

PayPal is becoming one of the most popular payment options in the world due to the quick expansion of digital payments. Nonetheless, a lot of people are still unsure if they can use MoMo or other e-wallets in Vietnam to add money to PayPal. This BurgerPrints guide will take you through the procedure step-by-step if you have the same question.

Overview of PayPal and MoMo

The biggest online payment gateway in the world is PayPal. To put it simply, it is an online middleman service that enables users to send, receive, and make international payments. To transact online from anywhere in the world, users can register for a free account and link it to a bank account, credit card, or debit card.

MoMo is a financial app that lets users send and receive money safely and swiftly. In order to make a variety of payments at any time and from any location, including cell top-ups, utility bills, internet payments, movie tickets, airline tickets, and more, users of the MoMo e-wallet can set up an account and link it to major Vietnamese banks.

Can You Add Money to PayPal Using MoMo?

Because of the absence of connectivity between the two platforms, it is currently not feasible to add money straight from MoMo to PayPal.

On the other hand, you can use a linked bank account to indirectly finance your PayPal account. To be more precise, you must take money out of your MoMo wallet and deposit it into your bank account before adding money to PayPal.

This approach is popular among consumers and provides flexibility. However, you should be aware of the processing time, which can change based on your bank and transaction size, as well as any transaction costs that might occur throughout the transfer process.

How to Add Money to PayPal Using MoMo

As mentioned above, you cannot add funds directly from MoMo to PayPal. Instead, the transaction must be completed through a bank account.

1. Requirements for Adding Money to PayPal Using MoMo

To use this method, your bank must be supported by both PayPal and MoMo.

No	English Name	Name Abbreviation	SWIFT Code
1	Vietnam Joint Stock Commercial Bank for Industry and Trade	VietinBank	ICBVVNVX
2	Vietnam Prosperity Joint Stock Commercial Bank	VPBank	VPBKVNVX
3	Vietnam Bank for Agriculture and Rural Development	Agribank	VBAAVNVX
4	Bank for Investment and Development of Vietnam	BIDV	BIDVVNVX
5	Joint Stock Commercial Bank for Foreign Trade of Vietnam	Vietcombank	BFTVVNVX
6	Vietnam Technological and Commercial Joint Stock Bank	Techcombank	VTCBVNVX
7	Military Commercial Joint Stock Bank	MBBank	MSCBVNVX
8	Saigon Thuong Tin Commercial Joint Stock Bank	Sacombank	SGTTVNVX
9	Asia Commercial Joint Stock Bank	ACB	ASCBVNVX
10	Saigon – Hanoi Commercial Joint Stock Bank	SHB	SHBAVNVX
11	Tien Phong Commercial Joint Stock Bank	TPBank	TPBVVNVX
12	Shinhan Bank Vietnam Limited	Shinhan Bank	SHBKVNVX
13	An Binh Commercial Joint Stock Bank	ABBank	ABBKVNVX
14	Bac A Commercial Joint Stock Bank	Bac A Bank	NASCVNVX
15	Bao Viet Commercial Joint Stock Bank	BAOVIET Bank	BVBVVNVX
16	Viet Capital Commercial Joint Stock Bank	BVBank	VCBCVNVX
17	Vietnam Export Import Commercial Joint Stock Bank	Eximbank	EBVNVNVX
18	Global Petro Commercial Joint Stock Bank	GPBank	GPBKVNVX
19	Ho Chi Minh City Development Joint Stock Bank	HDBank	HDBCVNVX
20	Kienlong Commercial Joint Stock Bank	KienlongBank	KLBKVNVX
21	LienViet Post Joint Stock Commercial Bank	LPBank	LVBKVNVX
22	Vietnam Maritime Commercial Joint Stock Bank	MSB	MCOBVNVX
23	Nam A Commercial Joint Stock Bank	Nam A Bank	NAMAVNVX
24	National Citizen Bank	NCB	NCBVVNVX
25	Indovina Bank	Indovina	IABBVNVX
26	Orient Commercial Joint Stock Bank	OCB	ORCOVNVX
27	OceanBank	OceanBank	OJBAVNVX
28	Public Bank Vietnam	Public Bank	PVVBVNVX
29	Vietnam Public Joint Stock Commercial Bank	PVcomBank	WBVNVNVX
30	Saigonbank for Industry and Trade	Saigonbank	SBITVNVX
31	Saigon Commercial Bank	SCB	SACLVNVX
32	Southeast Asia Commercial Joint Stock Bank	SeABank	SEAVVNVX
33	United Overseas Bank	UOB	UOVBVNVX
34	Vietnam International Commercial Joint Stock Bank	VIB	VNIBVNVX
35	Viet A Commercial Joint Stock Bank	VietABank	VNTTVNVX
36	Vietnam-Russia Joint Venture Bank	VRB	VRBAVNVX
37	Vietnam Thuong Tin Commercial Joint Stock Bank	VietBank	VNTTVNVX
38	Woori Bank	Woori	HVBKVNVX

In addition, MoMo supports Visa cards, allowing users to conduct international transactions. You can link a Visa card to PayPal to facilitate payments and funding activities.

2. Steps to Add Money to PayPal Using MoMo

To add money to PayPal through MoMo, you first need to transfer money from your MoMo wallet to your bank account, then use that bank account with PayPal.

2.1 Withdraw Money from MoMo to Your Bank Account

If you have not linked a bank account to MoMo yet, log in to your MoMo account and navigate to Account/Card Management to complete the setup.

Step 1:

In Account/Card Management, select Add Account/Card and choose Link Bank Account. Make sure the bank you use is included in the list of supported banks mentioned above.

Step 2

Select the bank you want to link to. MoMo will ask you to provide the following information:

• Full name (uppercase, without accents)
• Bank account number
• National ID card or Citizen ID number

Then click Continue.

Please note that each bank may have different linking requirements. To review the specific conditions, select your bank and tap Linking Requirements next to the bank information section.

Examples of common requirements include:

Bank	General Conditions	Own specific conditions
Vietcombank	– Phone number registered with MoMo must match the one registered with the bank. – Full name and ID information must match bank records. – The account must not be linked to another MoMo wallet.	– SMS Banking or DigiBank service must be activated.
VietinBank		– Minimum account balance of VND 60,000.
Agribank		– Internet/E-commerce transaction service must be activated. – Minimum account balance of VND 50,000
Techcombank		– Internet payment service must be enabled.
BIDV		– SMS Banking or DigiBank service must be activated
Other Banks

Step 3

Log in to your mobile banking application and navigate to the E-wallet section. Select Link E-wallet (or a similar option depending on your bank), choose MoMo, enter your registered MoMo phone number, and continue

Step 4

An OTP code will be sent to your registered phone number. Open the MoMo app, enter the OTP in the designated field, and tap Confirm to complete the linking process.

Step 5

Once your bank account is linked, you can withdraw funds by selecting Deposit/Withdraw on the main screen and choosing Withdraw Money.

Step 6

Enter the amount you want to withdraw and select the linked bank account. The minimum withdrawal amount is VND 50,000. Confirm the transaction, and the money will typically be transferred to your bank account within a few seconds.

2.2 Add Money to PayPal Using the Linked Bank Account

Step 1

First, you need to link your bank account to PayPal.

Log in to your PayPal account and go to: Wallet → Link a Bank Account

Provide the following information:

• Account Number
• Bank Name (abbreviation is acceptable)
• SWIFT Code

For example, BIDV’s SWIFT code is BIDVVNVX. Make sure all information is entered correctly to avoid any issues during verification.
Once completed, click Link Bank.

Step 2

After successfully linking your bank account, go to: Wallet → Transfer Money

Step 3

Click Add Money to Your Balance, choose your linked bank account, enter the amount you want to transfer, and click Add.

Funds transferred from a bank account typically appear in PayPal within 3–5 business days. If the balance does not update after five days, check whether the funds have already been deducted from your bank account. If so, contact either your bank or PayPal support for assistance.

Does Adding Money to PayPal Using MoMo Incur Fees?

Yes. Depending on the transaction method, certain fees may apply.

Transaction Type	Fee
Withdrawal from MoMo to Bank Account	Free for withdrawals under VND 30 million per month; 0.5% for amounts above VND 30 million; 1% for amounts above VND 100 million
International Card Transactions	VND 2,200 + 2% of the transaction value
Currency Conversion for PayPal Funding	Approximately 3–4%, depending on the currency

Conclusion

BurgerPrints described how to use MoMo to add funds to PayPal in this guide. PayPal does not currently allow direct funding from e-wallets like MoMo. In order to add money to PayPal, consumers must first move money from their MoMo wallet to a linked bank account.

We’ll keep an eye out for any changes pertaining to direct PayPal funding via e-wallets and update you. For more helpful advice and ideas on payments, keep checking the BurgerPrints blog.