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’.

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 Market/
Region

Rates published below apply to PayPal accounts of residents of the following market/region:

Market/Region list

Hong Kong (HK)

Back to top

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

Rate
No Fee (when no currency conversion is involved)

Back to top

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.

Back to top

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 SourceRate
Existing PayPal Balance or if balance is automatically obtained from a bank accountNo fee (when no currency conversion is involved)
If balance is automatically obtained from other funding sources sent in HKD currency3.40% + Fixed Fee (when no currency conversion is involved)

Sending international personal transactions

Country of recipient’s addressFunding SourceRate
Any other country/territory (where available)Existing PayPal Balance or if balance is automatically obtained from a bank account38.99 HKD
If balance is automatically obtained from other funding sources38.99 HKD + 3.40% + fixed fee

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)

Fixed fee for personal transactions (based on currency received)

CurrencyFeeCurrencyFee
Australian dollar0.30 AUDNew Taiwan dollar10.00 TWD
Brazilian real0.60 BRLNew Zealand dollar0.45 NZD
Canadian dollar0.30 CADNorwegian krone2.80 NOK
Czech koruna10.00 CZKPhilippine peso15.00 PHP
Danish krone2.60 DKKPolish zloty1.35 PLN
Euro0.35 EURRussian ruble10.00 RUB
Hong Kong dollar2.35 HKDSingapore dollar0.50 SGD
Hungarian forint90.00 HUFSwedish krona3.25 SEK
Israeli new shekel1.20 ILSSwiss franc0.55 CHF
Japanese yen40.00 JPYThai baht11.00 THB
Malaysian ringgit2.00 MYRUK pounds sterling0.20 GBP
Mexican peso4.00 MXNUS dollar0.30 USD

Back to top

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
3.00% 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 HKD):

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)4.00%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)4.00%

Back to top

Transfers Out of PayPal

You can typically transfer money out of PayPal by standard transfers to your linked bank account. 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 accountWithdrawals made to your local account equal to or greater than 1000.00 HKDNo Fee (when no currency conversion is involved)
Instant Transfer1.00% (of the amount transferred)
  • Minimum Fee = $10.00 HKD
  • Maximum Fee = $100.00 HKD
Withdrawals made to your local account less than 1000.00 HKD3.50 HKD per withdrawal (when no currency conversion is involved)
Withdrawals made to your U.S. account2.50% (when no currency conversion is involved)

Back to top

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.20.00 HKD (per item)
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.60.00 HKD (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

Back to top