PayPal Consumer Fees

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


Last Updated: 30, July 2021

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 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

Mainland China (CN)

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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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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:

Conversions when sending payments or receiving refund(s)

Inclusive of standard Personal and Commercial Payment types and receiving a refund beyond 1 day of the date of the original payment.

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)3.50%Norwegian krone (NOK)4.00%
Czech koruna (CZK)4.00%Philippine peso (PHP)4.00%
Danish krone (DKK)4.00%Polish zloty (PLN)4.00%
Euro (EUR)4.00%Russian ruble (RUB)4.00%
Hong Kong dollar (HKD)4.00%Singapore dollar (SGD)4.00%
Hungarian forint (HUF)4.00%Swedish krona (SEK)4.00%
Israeli new shekel (ILS)4.00%Swiss franc (CHF)4.00%
Japanese yen (JPY)4.00%Thai baht (THB)4.00%
Malaysian ringgit (MYR)4.00%UK pounds sterling (GBP)4.00%
Mexican peso (MXN)4.00%US dollar (USD)3.50%

Conversions in all other cases

Rates for all other currency conversions:

Rate
2.5%

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Withdrawal Out of PayPal

You can typically withdraw money out of PayPal by standard withdrawals/transfers to your linked bank account. Withdrawal to a bank account or a card may not be possible in all markets. 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 accountWire withdrawal/transfer in Mainland China35.00 USD (per withdrawal)
HK Bank accountNo Fee (when no currency conversion is involved)
  • For 1000.00 HKD or higher (per withdrawal)
3.50 HKD (when no currency conversion is involved)
  • For 1000.00 HKD or lower (per withdrawal)
  • US Bank account35.00 USD (per withdrawal)
    CheckRequest a check5.00 USD (per withdrawal)

    Currency Conversions: If you withdraw your balance in a currency other than the currency in which the balance on your account is denominated, you will additionally be charged currency conversion fees.

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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 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.No Fee
    Bank Return on Wire Withdrawal/Transfer out of PayPalThis fee is charged when a wire withdrawal/transfer out of PayPal is attempted by a user and it fails because incorrect bank account information or delivery information is provided.15.00 USD
    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.10.00 SGD or other currency equivalent (per item)

    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 ringgit10.00 MYR
    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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