PayPal Consumer Fees
Buying and sending money can be easy, fast, and secure when using PayPal.
Last Updated: 5, 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’.
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
| Canada (CA) |
|---|
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
| Payment method | Fee |
|---|---|
| PayPal balance or a bank account | No Fee |
| Cards | 2.90% + fixed fee |
Sending international personal transactions
| Country of Recipient’s Account | Payment method | Rate |
|---|---|---|
| Europe I, Europe II, Northern Europe, and United States | PayPal balance or a bank account | 2.99 CAD |
| Cards | 2.99 CAD + 2.90% + fixed fee | |
| Any other country | PayPal balance or a bank account | 4.99 CAD |
| Cards | 4.99 CAD + 2.90% + fixed fee |
Fees charged in different currencies for sending payments: We will collect the fee in the currency in which the fee is listed. To do this, we may need to convert the fee from the amount you send into the currency in which the fee is listed, 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) |
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 fee depends on the type of transaction and currency being converted. You will be charged the minimum rates set out below, or such other amounts as may be disclosed to you during the transaction.
Converting payments in another currency
For any currency conversions that occur when sending/receiving personal payments, commercial transactions and when using PayPal Payouts or Mass Pay products:
| Currency | Minimum Rate |
|---|---|
| Canadian dollar | 4.00% |
| US dollar | 4.00% |
| All Other Currencies | 4.00% |
Notice: Residents of Quebec will be charged the minimum rate set out above.
Conversions in all other cases
For all other currency conversions:
| Minimum Rate |
|---|
| 3.00% |
Notice: Residents of Quebec will be charged the minimum rate set out above.
Transfers Out of PayPal
You can typically transfer money out of PayPal 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 | Local Account | No Fee (when no currency conversion is involved) |
Instant
| 1.00% of amount transferred |
Withdrawal Limits
| Frequency | Maximum (up to) |
|---|---|
| Per transaction | 5000.00 CAD |
| Per day | 5000.00 CAD |
| Per week | 5000.00 CAD |
| Per month | 15000.00 CAD |
Maximum fees
Based on withdrawal currency:
| Currency | Maximum Fee |
|---|---|
| Canadian dollar | 10.00 CAD |
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. | No Fee |
| 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. |
Credit Card and Debit Card Link and Confirmation Table
| Currency | Rate |
|---|---|
| Australian dollar | 2.00 AUD |
| Brazilian real | 4.00 BRL |
| Canadian dollar | 2.45 CAD |
| Czech koruna | 50.00 CZK |
| Danish krone | 12.50 DKK |
| Euro | 1.50 EUR |
| Hong Kong dollar | 15.00 HKD |
| Hungarian forint | 400.00 HUF |
| Israeli new shekel | 8.00 ILS |
| Japanese yen | 200.00 JPY |
| Malaysian ringgit | Not Applicable |
| Mexican peso | 20.00 MXN |
| Currency | Rate |
|---|---|
| New Taiwan dollar | 70.00 TWD |
| New Zealand dollar | 3.00 NZD |
| Norwegian krone | 15.00 NOK |
| Philippine peso | 100.00 PHP |
| Polish zloty | 6.50 PLN |
| Russian ruble | 60.00 RUB |
| Singapore dollar | 3.00 SGD |
| Swedish krona | 15.00 SEK |
| Swiss franc | 3.00 CHF |
| Thai baht | 70.00 THB |
| UK pounds sterling | 1.00 GBP |
| US dollar | 1.95 USD |