PayPal Consumer Fees

Buying and sending money can be easy, fast, and secure when using PayPal.

In an effort to provide customers access to critical funds, PayPal will be temporarily waiving some of its fees for customers sending funds to Ukrainian PayPal accounts or receiving funds into Ukrainian PayPal accounts until further notice. Exchange rates or fees charged by a customer's card issuer or bank may still apply. Please see the fees for Ukrainian personal accounts page and this Help Center article for updates and more information about our services for Ukrainian customers.


Last Updated: 20, February 2024

You can find details about changes to our rates and fees and when they will apply on our Policy Updates Page. You can also view these changes by clicking ‘Legal’ at the bottom of any web-page and then selecting ‘Policy Updates’.

All information regarding fees for Australian customers is available in our Combined Financial Services Guide and Product Disclosure Statement (CFSGPDS). To the extent there is any inconsistency between this page, and the CFSGPDS, the latter will prevail.

Domestic: A transaction occurring when both the sender and receiver are registered with or identified by PayPal as residents of the same market.

International: A transaction occurring when the sender and receiver are registered with or identified by PayPal as residents of different markets. Certain markets are grouped together when calculating international transaction rates. For a listing of our groupings, please access our Market/Region Grouping Table.

Market Code Table: We may refer to two-letter market codes throughout our fee pages. For a complete listing of PayPal market codes, please access our Market Code Table.

Relevant Market/
Region

Rates published below apply to PayPal accounts of residents of the following market/region:

Market/Region list

Australia (AU)

Back to top

Buying with PayPal

It’s free to use PayPal to donate (except for donations to Unlisted Fundraisers) or to pay for a purchase or any other type of commercial transaction unless it involves a currency conversion.

Online or in-store

Rate
No Fee (when no currency conversion is involved)

Back to top

Selling with PayPal

When you buy or sell goods or services, make any other commercial type of transaction, or receive a payment when you “request money” using PayPal, we call that a “commercial transaction”.

For the listings of selling rates, please visit our PayPal Merchant Fees Page.

Back to top

Receiving and Sending Donations

When you accept the User Agreement or the PayPal Fundraisers Terms and Conditions to send or receive funds (using one of the payment types listed below), we call that a “donation”. Funds sent or received through other products or services (not set out below) are not “donations” eligible for donations pricing. In such cases, the applicable transaction rates will apply and will be subject to the fees disclosed for such products or services on the applicable fees page.

Standard rate for receiving domestic donations

Transaction TypeRate
Donation (other than PayPal Fundraisers donations)2.60% + fixed fee
QR code TransactionsCommercial Transaction rates for QR Code Transactions apply
PayPal Fundraisers (Listed)Commercial Transaction rates apply
PayPal Fundraisers (Unlisted)No fee

Receiving international donations

The applicable fee for receiving domestic donations applies plus the additional percentage-based fee for international donations.

Additional percentage-based fee for international donations

The variable fee shall be increased by the percentage points set out below:

Transaction TypeRate
Donation (other than PayPal Fundraisers donations)+1.00%
QR code TransactionsCommercial Transaction rates for QR Code Transactions apply

Fixed fee for donations (based on currency received)

CurrencyFee
Australian dollar0.30 AUD
Brazilian real0.60 BRL
Canadian dollar0.30 CAD
Czech koruna10.00 CZK
Danish krone2.60 DKK
Euro0.35 EUR
Hong Kong dollar2.35 HKD
Hungarian forint90.00 HUF
Israeli new shekel1.20 ILS
Japanese yen40.00 JPY
Malaysian ringgit2.00 MYR
Mexican peso4.00 MXN
CurrencyFee
New Taiwan dollar10.00 TWD
New Zealand dollar0.45 NZD
Norwegian krone2.80 NOK
Philippine peso15.00 PHP
Polish zloty1.35 PLN
Russian ruble10.00 RUB
Singapore dollar0.50 SGD
Swedish krona3.25 SEK
Swiss franc0.55 CHF
Thai baht11.00 THB
UK pounds sterling0.20 GBP
US dollar0.30 USD

Back to top

Standard rate for sending domestic donations

Payment Type Rate
PayPal Fundraisers (Unlisted Fundraisers)Sending and Receiving Money Rates (i.e., sending domestic personal transactions rates)
All Other Donations No Fee

Standard rate for sending international donations

The applicable fee for sending domestic donations applies plus the applicable additional percentage-based fee for international donations (international fee).

Payment Type Rate
PayPal Fundraisers (Unlisted Fundraisers) Sending and Receiving Money Rates (i.e., sending international personal transactions rates)
All Other Donations No Fee (when no currency conversion is involved)

Sending and receiving money

When you send money (initiated from the “Friends and Family” tab of the “Send Money” flow) to, or receive money into your PayPal account from, friends and family without making an underlying donation or commercial transaction (that is, the payment is not for the purchase of goods or services or for making any other commercial transaction), we call that a “personal transaction”.

The rates relating to personal transactions are set out below.

Sending domestic personal transactions

Funding SourceRate (of send amount)
PayPal Balance or an AU Bank AccountNo fee (when no currency conversion is involved)
Cards (any portion funded)2.60% + Fixed Fee (when no currency conversion is involved)

Sending international personal transactions

Market of recipient’s addressFunding SourceRate (of send amount)Funding fee that you pay
Any other market (where available)PayPal Balance or an Australian Bank Account linked to your PayPal account5.00% of the send amount, but no lower than 0.99 AUD, and no higher than 5.99 AUDNo funding fee
Funded by a card5.00% of the send amount but no lower than 0.99 AUD, and no higher than 5.99 AUD2.6% of the portion funded by the card plus a fixed fee based on currency (from the table below)

Receiving personal transactions

Rate
No fee (when no currency conversion is involved)

Fixed fee for personal transactions (based on currency received)

CurrencyFee
Australian dollar0.30 AUD
Brazilian real0.60 BRL
Canadian dollar0.30 CAD
Czech koruna10.00 CZK
Danish krone2.60 DKK
Euro0.35 EUR
Hong Kong dollar2.35 HKD
Hungarian forint90.00 HUF
Israeli new shekel1.20 ILS
Japanese yen40.00 JPY
Malaysian ringgit2.00 MYR
Mexican peso4.00 MXN
CurrencyFee
New Taiwan dollar10.00 TWD
New Zealand dollar0.45 NZD
Norwegian krone2.80 NOK
Philippine peso15.00 PHP
Polish zloty1.35 PLN
Russian ruble10.00 RUB
Singapore dollar0.50 SGD
Swedish krona3.25 SEK
Swiss franc0.55 CHF
Thai baht11.00 THB
UK pounds sterling0.20 GBP
US dollar0.30 USD

Back to top

Currency Conversions

For information about how we convert currency, please see the user agreement.

The transaction exchange rate used for your currency conversion includes a fee which we charge above the base exchange rate. The fee depends on the type of currency conversion, as follows:

For some uses of your PayPal account, PayPal may determine currency conversion is necessary. For any of the following transactions that involve a currency conversion in connection with your PayPal account, the currency conversion fee is 4.0%:

  • Paying for goods or services in a currency other than the currency the goods or services are listed in.
  • Receiving a refund beyond 1 day of the original payment.
  • Sending money to a friend or family member where they receive a different currency from the currency you pay in.
  • Sending money using PayPal’s Payouts (formerly Mass Pay) such that your recipients receive a different currency from the currency you pay in.
For all other PayPal transactions involving a currency conversion, the currency conversion fee is 3.0%.

Withdrawals Out of PayPal

You can typically withdraw money out of PayPal by standard withdrawals/transfers to your linked bank account or eligible cards. A currency conversion (and currency conversion fees) may also apply.

Note: For additional listings of transfer rates out of business accounts, please visit our PayPal Merchant Fees Page.

Withdrawing a balance from a personal PayPal account

Withdrawal/Transfer toWithdrawal/Transfer TypeRate
Bank accountWithdrawals made to your U.S. account3.00% (when no currency conversion is involved)
CardsStandard1.00% of amount transferred

Minimum and maximum fees

Based on withdrawal currency:

CurrencyMinimum FeeMaximum Fee
Afghan Afghani25.00 AFN1,050.00 AFN
Armenian Dram135.00 AMD5250.00 AMD
Australian dollar0.25 AUD10.00 AUD
Azerbaijan Manat0.45 AZN17.50 AZN
Bahraini Dinar0.10 BHD4.00 BHD
Bangladeshi Taka22.00 BDT880.00 BDT
Belizean Dollar0.50 BZD20.00 BZD
Bulgarian lev0.50 BGN20.00 BGN
Canadian dollar0.25 CAD10.00 CAD
CFA France135.00 XOF5400.00 XOF
Czech koruna5.70 CZK230.00 CZK
Danish krone1.80 DKK70.00 DKK
Eritrean Nakfa3.75 ERN150.00 ERN
Euro0.25 EUR10.00 EUR
Ghanaian Cedi1.55 GHS62.50 GHS
Haitian Gourde25.00 HTG1,000.00 HTG
Hong Kong dollar2.00 HKD80.00 HKD
Hungarian forint70.00 HUF2,900.00 HUF
Iraqi Dinar365.00 IQD14,500.00 IQD
Israeli new shekel1.00 ILS40.00 ILS
Japanese yen30.00 JPY1100.00 JPY
Jordanian Dinar0.20 JOD7.25 JOD
Kuwaiti dinar1.00 KWDNo Max
Kyrgyzstani Som22.50 KGS850.00 KGS
Lebanese Pound380.00 LBP15,250.00 LBP
Lesotho Loti4.00 LSL160.00 LSL
Liberian Dollar37.50 LRD1,500.00 LRD
Macanese Pataca2.00 MOP80.00 MOP
Malaysian ringgit1.00 MYR40.00 MYR
Mauritanian Ouguiya9 MRU360.00 MRU
Mexican peso5.00 MXN200.00 MXN
Mozambican Metical20.00 MZN750.00 MZN
Myanmar Kyat450.00 MMK18,000.00 MMK
New Zealand dollar0.40 NZD15.00 NZD
Norwegian krone1.00 NOK40.00 NOK
Omani Rial0.10 OMR4.00 OMR
Pakistani Rupee45.00 PKR1,800.00 PKR
Philippine peso10.00 PHP500.00 PHP
Polish zloty1.00 PLN40.00 PLN
Qatari rial1.00 QAR40.00 QAR
Romania new lei1.00 RON40.00 RON
Russian ruble20.00 RUB700.00 RUB
Rwandan Franc250.00 RWF10,000.00 RWF
Salvadoran Colón2.25 SVC90.00 SVC
São Tomé And Príncipe Dobra5.50 STN220.00 STN
Serbian dinar25.00 RSD1000.00 RSD
Singapore dollar0.50 SGD15.00 SGD
South African rand3.60 ZAR145.00 ZAR
Sri Lanka rupee50.00 LKR1800.00 LKR
Swedish krona2.50 SEK100.00 SEK
Thai baht8.00 THB320.00 THB
Tunisian Dinar0.75 TND27.50 TND
Turkish lira3.50 TRY140.00 TRY
Turkmenistani Manat1.00 TMT40.00 TMT
Ugandan Shilling930.00 UGX37,500.00 UGX
United Arab Emirates dirham0.90 AED36.70 AED
UK pounds sterling0.20 GBP8.00 GBP
US dollar0.25 USD10.00 USD
Uzbekistani Som3,000.00 UZS120,000.00 UZS
Venezuelan Bolivar2,000,000.00 VES60,000,000.00 VES
Zambian Kwacha5.50 ZMW215.00 ZMW
All Other CurrenciesNo MinNo Max

Back to top

Other Consumer Fees

Included below are fees associated with events, requests, or actions that may happen when you use your account.

Other Fees

ActivityDescriptionRate
Bank Return on Withdrawal/Transfer out of PayPalThis fee is charged when a withdrawal/transfer out of PayPal is attempted by a user and it fails because incorrect bank account information or delivery information is provided.5.00 AUD
Records RequestThis fee will apply for requests of information relating to why we had reasonable justification to refuse your payment order. We will not charge you for records requested in connection with your good-faith assertion of an error in your PayPal account.10.00 AUD (per item)
Security Key CardThis is an electronic device that creates a unique security code that you use to log in to your PayPal account.32.95 AUD (per card)

Back to top