PayPal Consumer Fees
Buying and sending money can be easy, fast, and secure when using PayPal.
Last Updated: 24, November 2020
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 country/territory.
International: A transaction occurring when the sender and receiver are registered with or identified by PayPal as residents of different countries/territories. Certain countries are grouped together when calculating international transaction rates. For a listing of our groupings, please access our Country/Territory Grouping Table.
Country Code Table: We may refer to two-letter country/territory codes throughout our fee pages. For a complete listing of PayPal country codes, please access our Country Code Table.
Relevant Country/
Territory
Rates published below apply to PayPal accounts of residents of the following country/territory:
Country/Territory list
| Australia (AU) |
|---|
Buying with PayPal
It’s free to use PayPal 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, send or receive a charity donation 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.
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 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
| Country of recipient’s address | Funding Source | Rate (of send amount) |
|---|---|---|
| Any other country/territory (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) |
Transfers Out of PayPal
You can typically transfer money out of PayPal by standard 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.
Transferring balance from a personal PayPal account
| Transfer to | 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 |
|---|---|---|
| Australian dollar | 0.25 AUD | 10.00 AUD |
| Bulgarian lev | 0.50 BGN | 20.00 BGN |
| Canadian dollar | 0.25 CAD | 10.00 CAD |
| Croatian kuna | 2.00 HRK | 70.00 HRK |
| Czech koruna | 5.70 CZK | 230.00 CZK |
| Danish krone | 1.80 DKK | 70.00 DKK |
| Euro | 0.25 EUR | 10.00 EUR |
| Hong Kong dollar | 2.00 HKD | 80.00 HKD |
| Hungarian forint | 70.00 HUF | 2900.00 HUF |
| Israeli new shekel | 1.00 ILS | 40.00 ILS |
| Japanese yen | 30.00 JPY | 1100.00 JPY |
| Kuwaiti dinar | 1.00 KWD | No Max |
| Malaysian ringgit | 1.00 MYR | 40.00 MYR |
| Mexican peso | 5.00 MXN | 200.00 MXN |
| New Zealand dollar | 0.40 NZD | 15.00 NZD |
| Norwegian krone | 1.00 NOK | 40.00 NOK |
| 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 |
| 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 |
| Turkish lira | 1.50 TRY | 60.00 TRY |
| 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 |
| 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 Transfer out of PayPal | This fee is charged when a 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) |