@JoshHouse Transfers from bank accounts are never instant, that is why when you buy something paypal credit the seller upfront for you and paypal take the wait for the funds to transfer to pay them back again, this is so you get your item without delay. Takes 5-7 working days to transfer as Paypal use the slowest (cheapest) transfer option BUT funds normally leave your bank account from a few hours up to a few days later. If the transfer fails then as paypal have credited the seller they will put your account into negative until you pay them back again OR use a back up card if you have one linked to your paypal account.
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