Yes, it’s all in this thread!
it’s not particularly groundbreaking either as it’s the same thing Curve have been doing for a decade or so!
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Yes.
You don’t have to. Just link your bank debit card or current account to that Paypal debit card, you will be good.
£120m value on a much higher valuation is very funny to me
As I’ve explained, my bank and debit card are both linked to my PayPal debit card, they have been since I applied for and received my virtual and physical PayPal debit card.
My problem is, I don’t understand how you can use a debit card without a balance on the account for purchases, but clearly, you’re telling me it doesn’t matter because at the point of sale, the funds are magically debited from the linked card that does have funds.
That’s what I have difficulty understanding because I’ve never paid for something on a debit card with zero funds on it that relies on a linked backup to work if there are no funds on that debit card. I just have visions of being stood there in a shop with a handful of goods that when I go to pay for it, the transaction is declined because the backup linked card/bank account method suddenly doesn’t work and I look like a prat fiddling around for a different payment card.
Bizarrely, I’ve just managed to add £10 to the PayPal debit card using my linked debit card through the PayPal App, something I was told by PayPal staff isn’t possible despite the fact the method is there to do so. That method of adding credit only seems to work after multiple attempts.
I’m just going to use the balance on the card and bin it because I’ve never known such half arsed way of doing something so simple as to add credit to a debit card as I personally wish to do. My WISE debit card is 100 times better and I can add credit to that in seconds from any of my bank accounts as and when required without the faff that comes with PayPal.
Probably you just have to give it a try and stop over thinking stuff. That’s the exact same way Curve works, only difference here is that it is Paypal. If you use your current account as linked funding source, still payment will go through but they will collect the DD at a later date.
Also note that having the bank debit card/ account on Paypal doesn’t not automatically link them to the Paypal debit card, you have to explicitly choose the card or account yourself and only need to do it once except if you want to make changes.
That is how I am using it and I have not had any declines or issues yet.
Just forget about the whole idea of topping up the balance.
Then select your current account as linked funding source, this will work even if your current account has zero balance at that time as they will collect the direct debit in 3-10 working days.
Easiest way is Faster Payment from a bank account linked to your paypal account using that specific reference number. Again set up this payee once and you will be fine for later top ups. Still, you do not have to top up Paypal balance.
If you don’t mind, can you please share a screenshot of your Paypal card settings as shown in this link?
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To achieve this with Paypal you will need to use Faster Payment method. Go to your account in the browser (do not use the app), then go to your Paypal balance and tap those three dots for options, select automatic top up.
Then you will be presented with a screen showing faster payment details with a reference number unique to you. You can use that to send from any current account linked to your Paypal account and it is instant. Payee is business account type. That reference will be saved by your bank and you will not need to enter it again.
I hope this is of help since you really enjoy topping up.
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Thanks for your responses. Please forgive me if I don’t post any screenshots, that’s something I just won’t do, so don’t take offence 
I can positively assure you that my linked funding sources are set up correctly and this was confirmed by PayPal whilst I was trying to explain how dumb the PayPal system was for providing a method of topping up a debit card which technically doesn’t/shouldn’t work (their explanation!). If direct top ups using a linked debit card doesn’t or shouldn’t work, then remove the option from the App. That’s what I was explaining when the call centre just cut me off, it was clearly too difficult for them to grasp or the handler just got bored or had taken to much time with me and I was considered a fail 
@Amazon_Parcel o ok, I get it, I accept what you are telling me is gospel and I have no issue with that. But I don’t like the actual concept of not being able to top up the PayPal debit card balance to hold a balance on the card, just as I do with WISE. It doesn’t make sense to me, over thinking or otherwise, it isn’t a normal concept for me and that is why I’m binning the card. It just seems (to me) PayPal have completely over complicated the funding method and then providing a method of topping up that doesn’t actually work, is mind bogglingly stupid!
@Amazon_Parcel None of this has anything whatsoever to do with me ‘enjoying topping up’ it’s the most practical method for me. Just because you or others don’t work your finances that way, doesn’t mean we should all do it your way
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Try the faster payement method I shared above, it works, has worked for several years.
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@Amazon_Parcel I don’t doubt you but to me it’s now irrelevant as I’ve closed the PayPal debit card.
I appreciate some think I may be literally sweating over nothing, but my main gripe all along has been PayPal have a Add Money click button in the App that takes you directly to a page whereby one is supposed to be able to add £10 through to £250 simply by selecting the desired amount and hitting the add funds now button to come directly from a linked debit card and certainly in my experience, it simply doesn’t work. And to top it off, PayPal told me it shouldn’t work, but it’s there anyway.
I genuinely appreciate your advice and observations, but I can’t be bothered wasting my time with PayPal debit card any longer. I’ll stick with WISE.
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