Policy Updates


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Policy Updates


Policy Updates

Last update: May 29, 2019


This page shall serve as advance information for PayPal Users with regards to important upcoming changes of the PayPal Services, the PayPal User Agreement, and other policies (collectively, the “Legal Agreements”) – please read this document carefully.

PayPal will change the Legal Agreements with effect to June 10, 2019.

You do not need to do anything to accept the changes as they will automatically come into effect on June 10, 2019.

Subsequently, PayPal will change further changes to the PayPal User Agreement with effect to August 19, 2019 as outlined further below.

Should you decide you do not wish to accept the changes, you can notify us prior to June 10, 2019 or August 19, 2019, respectively, to close your account (https://www.paypal.com/de/cgi-bin/?&cmd=_close-account) immediately without incurring any additional charges.

All changes and updates to the Legal Agreements are on this page highlighted in italic. This highlighting shall ensure better traceability of the changes and updates applied.

Amendments made for linguistic adjustment, to correct or remove orthographical and grammatical mistakes, or changes to the formatting are not highlighted. This does also apply where we have corrected or standardized numbering and references.



All changes to the PayPal User Agreement becoming effective June 10, 2019 refer to the fees we charge for cross-border transaction and are to be found in Schedule 1: Table of Fees of the PayPal User Agreement:

A2. Fees for Personal Transactions

In Section A2. of the PayPal User Agreement, we changed the way we display fees for Domestic Personal Transactions – without making substantial changes – and we have amended and simplified the fees applicable for Cross-Border Personal Transactions. These will now apply irrespective of country corridors and we have added a minimum and maximum fees for such transactions:

A2.1. Fees for Domestic Personal Transactions

For sending Domestic Personal Transactions the following Fees apply:


Funding Source


Existing Balance


Bank account


all other Funding Sources



A2.2. Fees for Cross-Border Personal Transactions

For Cross-Border Personal Transaction we will charge in an amount equal to 5.00% of the respective transaction amount, but in any case at least EUR 0.99 and a maximum of EUR 3.99. We will show you the Fee applicable to the respective transaction prior to the transaction.

For transactions sent in other currencies than euro (EUR), the Fees apply in the respective transaction currency accordingly. For the required currency conversion, clause 8.2. applies.


A4.1. Currency Conversion Fee

In clause A4.1. of the PayPal User Agreement we have increased the Currency Conversion Fee by 0.25 percentage points, so that these fees will now apply as follows:

A4.1. Currency Conversion Fee

For currency conversions processed in your PayPal Account outside or prior to a Personal Transaction or a Commercial Transactions (including, but not limited to converting a Balance to another currency before withdrawal) as well as for transaction requiring a currency conversion for which the payment recipient (Seller) has agreed to bear the Fee PayPal shall charge of Fee in an amount equal to 2.50% above the base exchange rate (“Currency Conversion Fee”).

For all other transaction that require a currency conversion and for which the payment recipient (Seller) has not agreed to bear the Currency Conversion Fee, PayPal shall charge the following Currency Conversion Fee, each in percentage above the base exchange rate (to form the transaction exchange rate):


Currency converted to

Currency Conversion Fee

Australian dollars (AUD)


Brazilian real (BRL)


British pounds sterling (GBP)


Canadian dollars (CAD)


Czech koruna (CZK)


Danish kroner (DKK)


Euros (EUR)


Hong Kong dollars (HKD)


Hungarian forint (HUF)


Israeli new shekels (ILS)


Japanese yen (JPY)


Malaysian ringgit (MYR)


Mexican pesos (MXN)


New Taiwan dollars (TWD)


New Zealand dollars (NZD)


Norwegian kroner (NOK)


Philippine pesos (PHP)


Polish zloty (PLN)


Russian rubles (RUB)


Singapore dollars (SGD)


Swedish kronor (SEK)


Swiss francs (CHF)


Thai baht (THB)


US dollars (USD)




With effect towards August 19, 2019 we make the following changes to the PayPal User Agreement:

4.6. Refused Transaction and Refunds sent by the recipient

We have amended clause 4.6. on refused and refunded transactions, with a special focus on transactions which have been subject to a currency conversion:

4.6. Refused Transactions and Refunds sent by the recipient

We may allow the recipient of your payment to:

  • refuse to accept it; or
  • decide to accept it and then use the PayPal Services to send you a refund of all or any part of the amount of the payment later. 

We will return the amount of any refused payment or refunded payment to your Balance.  We will return the amount of an unclaimed payment to your Balance within 30 days after the date you initiated the payment.

If any amount of any payment is returned to you in any of the ways outlined above, we may convert the returned amount for you into either:

  • the currency of the Balance you used for the original payment (before any conversion into the currency received by the recipient happened);
  • the original opening currency of your PayPal Account.

If the original payment you sent involved a currency conversion we will convert the returned amount from the currency received by the recipient as follows:

  • if the amount is returned within 1 day of the date of the original payment, we will use the transaction exchange rate applicable on the date of the original payment, so that you receive the original amount (including the currency conversion fee you paid) in the original currency you converted from for the original payment; and
  • if the amount is returned after 1 day of the date of the original payment, we will use the transaction exchange rate applicable at the time of the conversion of the returned amount. See Section 8.2. for more information about how we set the transaction exchange rate.

We may also automatically withdraw the returned amount from your Balance and transfer the funds back to the funding source you used for the original payment. Withdrawals can also involve a currency conversion – see Section 6.

We may decide to not charge your original Funding Source for the original payment in the first place if the amount is returned to your Balance as outlined above before the payment from your original Funding Source to PayPal to fund your original payment has settled.

The returned amount could be lower in value than your original payment amount.  This can happen as a result of:

  • the recipient sending you a refund lower in value than your original payment amount. As we are only a payment service provider, we cannot know what you are entitled to from the original payment recipient as a refund or why the recipient sent the refund in a particular amount; or
  • transaction exchange rate fluctuations. 

PayPal is not responsible for any loss resulting from the recipient's decision to refuse or refund your payment, except to the extent that a refund sent by the recipient is a payment executed incorrectly by PayPal (see Section 12).

5.8. Your Refund Policy, Data Protection, Privacy Policy and Security

For better overview, we have divided clause 5.8. into sub-clauses. With the exception of adding the sub-clauses 5.8.1., 5.8.2., and 5.8.3. and the respective headlines, we have not applied any further changes:

8. Fees and Currency Conversions

We have divided our previous clause 8.2. Currency Conversion into two sub-clauses (8.2. Currency Conversion and 8.3. Currency Conversion Choices), but did not make any change to the actual content.