PayPal Consumer Fees

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


Last Updated: 14, September 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’.

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.

International euro (EUR) or Swedish krona (SEK) transactions where both the sender and the receiver are registered with or identified by PayPal as resident in the European Economic Area (EEA) are treated as domestic transactions for the purpose of applying fees.

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

Belgium (BE)

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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)

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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.

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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

Rate
No fee (when no currency conversion is involved)

Sending international personal transactions

Country of recipient’s addressRate
Canada, Europe I, Europe II, Northern Europe, & US1.99 EUR
Any other country/territory3.99 EUR

Fees charged in different currencies for sending payments: We will collect the fee from balance in the currency in which the fee is payable. To do this, we may need to convert the fee amount from your sending balance into the currency in which the fee is payable, in which case the fees for "Conversions in all other cases" also apply.

Receiving personal transactions

Rate
No fee (when no currency conversion is involved)

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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 balance and payments received into another currency

Rate
3.0% 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 EUR):

CurrencyRate above the
base exchange rate
(to form the transaction
exchange rate)
CurrencyRate above the
base exchange rate
(to form the transaction
exchange rate)
Australian dollar (AUD)4.00%New Taiwan dollar (TWD)4.00%
Brazilian real (BRL)4.00%New Zealand dollar (NZD)4.00%
Canadian dollar (CAD)3.25%Norwegian krone (NOK)3.75%
Czech koruna (CZK)3.75%Philippine peso (PHP)4.00%
Danish krone (DKK)3.75%Polish zloty (PLN)3.75%
Euro (EUR)3.75%Russian ruble (RUB)3.75%
Hong Kong dollar (HKD)4.00%Singapore dollar (SGD)4.00%
Hungarian forint (HUF)3.75%Swedish krona (SEK)3.75%
Israeli new shekel (ILS)4.00%Swiss franc (CHF)3.75%
Japanese yen (JPY)4.00%Thai baht (THB)4.00%
Malaysian ringgit (MYR)4.00%UK pounds sterling (GBP)3.75%
Mexican peso (MXN)4.00%US dollar (USD)3.25%

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Transfers Out of PayPal

You can typically transfer money out of PayPal by standard transfers to your linked bank account or eligible debit 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 toTransfer TypeRate
Bank accountStandardNo Fee (when no currency conversion is involved)

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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 Transfer out of PayPalThis 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.3.00 EUR
Credit Card and Debit Card Confirmation(s)Some users, in order to increase their sending limit or as PayPal may determine, may be charged a credit card and debit card link and confirmation fee. This amount will be refunded when you successfully complete the credit card or debit card verification process.See Credit Card and Debit Card Link and Confirmation Table below.
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.12.00 EUR (per item)
Reversal or failed direct debit paymentThe fee is based on our losses. You remain entitled to demonstrate that our losses were below the amount of the fee.3.00 EUR

Credit Card and Debit Card Link and Confirmation Table

CurrencyRate
Australian dollar2.00 AUD
Brazilian real4.00 BRL
Canadian dollar2.45 CAD
Czech koruna50.00 CZK
Danish krone12.50 DKK
Euro1.50 EUR
Hong Kong dollar15.00 HKD
Hungarian forint400.00 HUF
Israeli new shekel8.00 ILS
Japanese yen200.00 JPY
Malaysian ringgitNot Applicable
Mexican peso20.00 MXN
CurrencyRate
New Taiwan dollar70.00 TWD
New Zealand dollar3.00 NZD
Norwegian krone15.00 NOK
Philippine peso100.00 PHP
Polish zloty6.50 PLN
Russian ruble60.00 RUB
Singapore dollar3.00 SGD
Swedish krona15.00 SEK
Swiss franc3.00 CHF
Thai baht70.00 THB
UK pounds sterling1.00 GBP
US dollar1.95 USD

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