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 its own 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: 19, September 2022
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) |
|---|
Buying with PayPal
It’s free to use PayPal to donate 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) |
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.
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 Type | Rate |
|---|---|
| Donation | 2.60% + fixed fee |
| QR code Transactions – 10.01 AUD and above | Commercial Transaction rates apply |
| QR code Transactions – 10.00 AUD and below | Commercial Transaction rates 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 Type | Rate |
|---|---|
| Donation | +1.00% |
| QR code Transactions – 10.01 AUD and above | Commercial Transaction rates apply |
| QR code Transactions – 10.00 AUD and below | Commercial Transaction rates apply |
Fixed fee for donations (based on currency received)
| Currency | Fee |
|---|---|
| Australian dollar | 0.30 AUD |
| Brazilian real | 0.60 BRL |
| Canadian dollar | 0.30 CAD |
| Czech koruna | 10.00 CZK |
| Danish krone | 2.60 DKK |
| Euro | 0.35 EUR |
| Hong Kong dollar | 2.35 HKD |
| Hungarian forint | 90.00 HUF |
| Israeli new shekel | 1.20 ILS |
| Japanese yen | 40.00 JPY |
| Malaysian ringgit | 2.00 MYR |
| Mexican peso | 4.00 MXN |
| Currency | Fee |
|---|---|
| New Taiwan dollar | 10.00 TWD |
| New Zealand dollar | 0.45 NZD |
| Norwegian krone | 2.80 NOK |
| Philippine peso | 15.00 PHP |
| Polish zloty | 1.35 PLN |
| Russian ruble | 10.00 RUB |
| Singapore dollar | 0.50 SGD |
| Swedish krona | 3.25 SEK |
| Swiss franc | 0.55 CHF |
| Thai baht | 11.00 THB |
| UK pounds sterling | 0.20 GBP |
| US dollar | 0.30 USD |
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 Source | Rate (of send amount) |
|---|---|
| PayPal Balance or an AU Bank Account | No 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 address | Funding Source | Rate (of send amount) |
|---|---|---|
| Any other market (where available) | PayPal Balance or an AU Bank Account | 5.00%
|
| Cards (any portion funded) | 5.00% + 2.60% + fixed fee
|
Receiving personal transactions
| Rate |
|---|
| No fee (when no currency conversion is involved) |
Fixed fee for personal transactions (based on currency received)
| Currency | Fee |
|---|---|
| Australian dollar | 0.30 AUD |
| Brazilian real | 0.60 BRL |
| Canadian dollar | 0.30 CAD |
| Czech koruna | 10.00 CZK |
| Danish krone | 2.60 DKK |
| Euro | 0.35 EUR |
| Hong Kong dollar | 2.35 HKD |
| Hungarian forint | 90.00 HUF |
| Israeli new shekel | 1.20 ILS |
| Japanese yen | 40.00 JPY |
| Malaysian ringgit | 2.00 MYR |
| Mexican peso | 4.00 MXN |
| Currency | Fee |
|---|---|
| New Taiwan dollar | 10.00 TWD |
| New Zealand dollar | 0.45 NZD |
| Norwegian krone | 2.80 NOK |
| Philippine peso | 15.00 PHP |
| Polish zloty | 1.35 PLN |
| Russian ruble | 10.00 RUB |
| Singapore dollar | 0.50 SGD |
| Swedish krona | 3.25 SEK |
| Swiss franc | 0.55 CHF |
| Thai baht | 11.00 THB |
| UK pounds sterling | 0.20 GBP |
| US dollar | 0.30 USD |
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:
Converting payments when received in another currency
| Rate |
|---|
| 4.00% above the base exchange rate (to form the transaction exchange rate) |
Conversions in all other cases
Rates for all other currency conversions (e.g. when sending payments not in AUD):
| Rate |
|---|
| 3.00% above the base exchange rate (to form the transaction exchange rate) |
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 to | Withdrawal/Transfer Type | Rate |
|---|---|---|
| Bank account | Withdrawals made to your U.S. account | 3.00% (when no currency conversion is involved) |
| Cards | Standard | 1.00% of amount transferred |
Minimum and maximum fees
Based on withdrawal currency:
| Currency | Minimum Fee | Maximum Fee |
|---|---|---|
| Afghan Afghani | 25.00 AFN | 1,050.00 AFN |
| Armenian Dram | 135.00 AMD | 5250.00 AMD |
| Australian dollar | 0.25 AUD | 10.00 AUD |
| Azerbaijan Manat | 0.45 AZN | 17.50 AZN |
| Bahraini Dinar | 0.10 BHD | 4.00 BHD |
| Bangladeshi Taka | 22.00 BDT | 880.00 BDT |
| Belizean Dollar | 0.50 BZD | 20.00 BZD |
| Bulgarian lev | 0.50 BGN | 20.00 BGN |
| Canadian dollar | 0.25 CAD | 10.00 CAD |
| CFA France | 135.00 XOF | 5400.00 XOF |
| Croatian kuna | 2.00 HRK | 70.00 HRK |
| Czech koruna | 5.70 CZK | 230.00 CZK |
| Danish krone | 1.80 DKK | 70.00 DKK |
| Eritrean Nakfa | 3.75 ERN | 150.00 ERN |
| Euro | 0.25 EUR | 10.00 EUR |
| Ghanaian Cedi | 1.55 GHS | 62.50 GHS |
| Haitian Gourde | 25.00 HTG | 1,000.00 HTG |
| Hong Kong dollar | 2.00 HKD | 80.00 HKD |
| Hungarian forint | 70.00 HUF | 2,900.00 HUF |
| Iraqi Dinar | 365.00 IQD | 14,500.00 IQD |
| Israeli new shekel | 1.00 ILS | 40.00 ILS |
| Japanese yen | 30.00 JPY | 1100.00 JPY |
| Jordanian Dinar | 0.20 JOD | 7.25 JOD |
| Kuwaiti dinar | 1.00 KWD | No Max |
| Kyrgyzstani Som | 22.50 KGS | 850.00 KGS |
| Lebanese Pound | 380.00 LBP | 15,250.00 LBP |
| Lesotho Loti | 4.00 LSL | 160.00 LSL |
| Liberian Dollar | 37.50 LRD | 1,500.00 LRD |
| Macanese Pataca | 2.00 MOP | 80.00 MOP |
| Malaysian ringgit | 1.00 MYR | 40.00 MYR |
| Mauritanian Ouguiya | 9 MRU | 360.00 MRU |
| Mexican peso | 5.00 MXN | 200.00 MXN |
| Mozambican Metical | 20.00 MZN | 750.00 MZN |
| Myanmar Kyat | 450.00 MMK | 18,000.00 MMK |
| New Zealand dollar | 0.40 NZD | 15.00 NZD |
| Norwegian krone | 1.00 NOK | 40.00 NOK |
| Omani Rial | 0.10 OMR | 4.00 OMR |
| Pakistani Rupee | 45.00 PKR | 1,800.00 PKR |
| Philippine peso | 10.00 PHP | 500.00 PHP |
| Polish zloty | 1.00 PLN | 40.00 PLN |
| Qatari rial | 1.00 QAR | 40.00 QAR |
| Romania new lei | 1.00 RON | 40.00 RON |
| Russian ruble | 20.00 RUB | 700.00 RUB |
| Rwandan Franc | 250.00 RWF | 10,000.00 RWF |
| Salvadoran Colón | 2.25 SVC | 90.00 SVC |
| São Tomé And Príncipe Dobra | 5.50 STN | 220.00 STN |
| Serbian dinar | 25.00 RSD | 1000.00 RSD |
| Singapore dollar | 0.50 SGD | 15.00 SGD |
| South African rand | 3.60 ZAR | 145.00 ZAR |
| Sri Lanka rupee | 50.00 LKR | 1800.00 LKR |
| Swedish krona | 2.50 SEK | 100.00 SEK |
| Thai baht | 8.00 THB | 320.00 THB |
| Tunisian Dinar | 0.75 TND | 27.50 TND |
| Turkish lira | 3.50 TRY | 140.00 TRY |
| Turkmenistani Manat | 1.00 TMT | 40.00 TMT |
| Ugandan Shilling | 930.00 UGX | 37,500.00 UGX |
| United Arab Emirates dirham | 0.90 AED | 36.70 AED |
| UK pounds sterling | 0.20 GBP | 8.00 GBP |
| US dollar | 0.25 USD | 10.00 USD |
| Uzbekistani Som | 3,000.00 UZS | 120,000.00 UZS |
| Venezuelan Bolivar | 2,000,000.00 VES | 60,000,000.00 VES |
| Zambian Kwacha | 5.50 ZMW | 215.00 ZMW |
| All Other Currencies | No Min | No Max |
Other Consumer Fees
Included below are fees associated with events, requests, or actions that may happen when you use your account.
Other Fees
| Activity | Description | Rate |
|---|---|---|
| Bank Return on Withdrawal/Transfer out of PayPal | This 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 Request | This 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 Card | This 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) |