ToddL99
Expert Alumni

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It is not clear that your "PayPal Cash Plus Account" operates in the same manner as a traditional bank account - you should  to contact PayPal to verify their ability to accept and credit a direct deposit of your IRS refund.

 

As you stated, PayPal uses "Wells Fargo" as a "holdings account". It is unclear whether the ABA routing number and account number you have will, by themselves, be uniquely identified as belonging to you. 

 

From the PayPal website:

 

 "... funds held in U.S. Dollars (USD) in your PayPal Cash Plus balance will be deposited by PayPal into one or more custodial accounts that we have set up at FDIC-insured banks. Presently, we deposit all of those funds into an account at Wells Fargo Bank, N.A., but we can move the funds to custodial accounts at other FDIC-insured banks chosen by us at any time and without notice."