First off, let us start off with what a virtual bank account really is? Well the term is actually what it is called, a “virtual bank account” or VBA for short.

The idea of the virtual bank account is to allow many USA residents and even international residents to obtain a bank account via virtual bank account outlets.

Once such source for USA residents would be which we also assume some international users are still able to get USA accounts with certain documentation needed to get started; however, the best place to obtain a virtual bank account would be through Payoneer.

What About Buying A Virtual Bank Account To Verify Paypal?

For those of you that want buy VBA’s rather than open up more banks or use your own information, you can simply purchase from virtual bank account sellers who offer these by the bucket load so to speak.

We sell them as well as various sellers on the Aspkin forums too.


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Sadly, out of all those payment methods, around 3 of them are only supported for international residents and do not offer their services to USA residents. Only form of payment that is somewhat achievable are bitcoins and webmoney.

Why You Need To Buy A PayPal Virtual Bank

The simple reason is this, you need a verified PayPal account to accept large amounts of money, send large amounts & make the account stronger.

Typically with unverified PayPal accounts, you can still accept money, but there are higher chances that PayPal will look over your account much closer.

In many cases, there are times when payments are unclaimed until you verify your account. 

This would mean, higher chances of getting limited, payments reversed or money held for 45-180 days.

Do yourself a favor, save the headaches and verify your PayPal account with a virtual bank account.

What Details Are Given When Buying A PayPal VBA?

The information that is given to verify your Paypal account with a VBA would be the:

  • Routing number
  • Account number
  • Account type ie: checkings or savings.

Most do offer instant verify which would then include the instant verify details such as the username and password.

All you then do is enter those details in Paypal and then wait for the deposits or if you got instant verification, enter the instant verify details to confirm it within a few minutes.

The deposit method takes roughly around 2-3 days to complete. Here is a video to show the process of adding the bank account.

Conclusion To Buying A Paypal VBA

Other than adding the details and the aforementioned sellers of virtual bank accounts, there is really not much else to explain other than the why it could be useful.

It is probably a good idea to buy a virtual bank account if you are unable to open a bank account due to Chex systems or bad credit.


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If you are also an international resident but have a USA Paypal account, then buying a virtual bank account can definitely be ideal in that sort of situation.

Another thing we want to point out when buying a virtual bank account is the the bank that issues their accounts.


If you are buying from a seller offering eTrade accounts, then most likely your account will get limited as Paypal knows these bank accounts are absolute garbage.

If you decide to use these and well aware of their reputation, you will assume the risks as most people have had issues with these accounts.

Here you will find a list of the best & worst bank accounts to use with PayPal.