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 webpage 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

United States (US)

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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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Buying and Selling Cryptocurrencies

The transaction fees are based on how much cryptocurrency (“crypto”) you buy or sell. The exchange rate you’ll see before buying or selling crypto will also include a cryptocurrency conversion spread. There’s no fee for holding crypto in your account.

Purchase or sale amountFee
1.00 – 24.99 USD0.50 USD
25.00 – 100.00 USD2.30%
100.01 – 200.00 USD2.00%
200.01 – 1000.00 USD1.80%
1000.01 USD +1.50%

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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

Payment methodFee
PayPal balance or a bank accountNo Fee
Cards2.90% + fixed fee
Amex Send AccountNo Fee

Sending international personal transactions

Payment methodFee
PayPal balance or a bank account5.00%
  • A minimum fee of 0.99 USD
  • A maximum fee of 4.99 USD
Cards5.00% + 2.90% + fixed fee
  • A minimum fee of 0.99 USD
  • A maximum fee of 4.99 USD
Amex Send Account5.00%
  • A minimum fee of 0.99 USD
  • A maximum fee of 4.99 USD

Fees charged in different currencies for sending payments: We will collect the fee from balance in the currency in which the fee is listed. To do this, we may need to convert the fee amount from your sending balance 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)

CurrencyFee
Australian dollar0.30 AUD
Brazilian real0.60 BRL
Canadian dollar0.30 CAD
Czech koruna10.00 CZK
Danish krone2.60 DKK
Euro0.35 EUR
Hong Kong dollar2.35 HKD
Hungarian forint90.00 HUF
Israeli new shekel1.20 ILS
Japanese yen40.00 JPY
Malaysian ringgit2.00 MYR
Mexican peso4.00 MXN
CurrencyFee
New Taiwan dollar10.00 TWD
New Zealand dollar0.45 NZD
Norwegian krone2.80 NOK
Philippine peso15.00 PHP
Polish zloty1.35 PLN
Russian ruble10.00 RUB
Singapore dollar0.50 SGD
Swedish krona3.25 SEK
Swiss franc0.55 CHF
Thai baht11.00 THB
UK pounds sterling0.20 GBP
US dollar0.30 USD

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PayPal Cash and Cash Plus

PayPal offers two types of balance accounts commonly referred to as PayPal Cash and PayPal Cash Plus.

For more information and a complete listing of fees associated, please refer to the PayPal Cash and PayPal Cash Plus Terms and Conditions.

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Currency Conversions

For any of the following types of transactions involving a currency conversion by PayPal, the transaction exchange rate will also include a currency conversion spread.

Converting payments in another currency

Type of TransactionCurrency Conversion Spread
  • Paying for goods or services in a currency other than the currency the goods or services are listed in.
  • Sending money to a friend or family member such that they receive a different currency from the currency you pay in.
  • Sending money using PayPal’s Payouts or Mass Pay products such that your recipients receive a different currency from the currency you pay in.
4.00%, or such other amount as may be disclosed to you during the transaction.
  • All other transactions
3.00%, or such other amount as may be disclosed to you during the transaction.

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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 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 accountLocal AccountNo Fee (when no currency conversion is involved)
Instant1.00% of amount transferred
CardsInstant1.00% of amount transferred
ChecksHave a paper check mailed to you1.50 USD

Withdrawal Limits – Instant Transfer for Bank

FrequencyMaximum (up to)
Per transaction25,000.00 USD

Withdrawal Limits – Instant Transfer for Cards

FrequencyMaximum (up to)
Per transaction5000.00 USD
Per day5000.00 USD
Per week5000.00 USD
Per month15,000.00 USD

Maximum fees

Based on withdrawal currency:

CurrencyMaximum Fee
US dollar10.00 USD

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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.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.
PayPal Business Debit MasterCardUse of the PayPal Business Debit MasterCard is subject to eligibility, application, approval by PayPal and your acceptance of the terms.Please see our PayPal Business Debit MasterCard Cardholder Agreement and Privacy Notice
PayPal Cash MasterCardUse of the PayPal Cash MasterCard is subject to eligibility, application, approval by PayPal and your acceptance of the terms.Please see our PayPal Cash MasterCard Cardholder Agreement

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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