PayPal Consumer Fees

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

In an effort to provide customers access to critical funds, PayPal will be temporarily waiving some of its fees for customers sending funds to Ukrainian PayPal accounts or receiving funds into Ukrainian PayPal accounts until further notice. Exchange rates or fees charged by a customer's card issuer or bank may still apply. Please see the fees for Ukrainian personal accounts page and this Help Center article for updates and more information about our services for Ukrainian customers.

Last Updated: 01, January 2023

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’. We have removed the references to Croatian Kuna (HRK) as a result of Croatia joining the Eurozone on January 1, 2023.

Domestic: A transaction occurring when both the sender and receiver are registered with or identified by PayPal as residents in the European Economic Area (EEA).

International: A transaction occurring when the sender and receiver are registered with or identified by PayPal as residents of different markets. Certain countries are grouped together when calculating international transaction rates. For a listing of our groupings, please access our Market/Region Grouping Table.

International euro (EUR) or Swedish krona (SEK) transactions where both the sender and the receiver are registered with or identified by PayPal as resident in the European Economic Area (EEA) are treated as domestic transactions for the purpose of applying fees.

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

Luxembourg (LU)

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Buying with PayPal

It’s free to use PayPal to donate or to pay for a purchase or any other type of commercial transaction unless it involves a currency conversion.

Online or in-store

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 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 an exchange rate margin. There's no fee for holding crypto in your account.

Purchase or sale amountFee
1.00 EUR – 4.99 EUR0.49 EUR
5.00 EUR – 24.99 EUR0.99 EUR
25.00 EUR – 74.99 EUR1.99 EUR
75.00 EUR – 200.00 EUR2.49 EUR
200.01 EUR – 1,000.00 EUR1.8%
1,000.01 EUR +1.5%

Receiving and Sending Donations

When you accept the User Agreement or the PayPal Fundraisers Terms and Conditions to send or receive funds (using one of the payment types listed below), we call that a “donation”. Funds sent or received through other products or services (not set out below) are not “donations” eligible for donations pricing. In such cases, the applicable transaction rates will apply and will be subject to the fees disclosed for such products or services on the applicable fees page.

Standard rate for receiving domestic donations

Transaction TypeRate
Donation3.40% + fixed fee
QR Code Transactions – 10.01 EUR and aboveCommercial Transaction rates apply
QR code Transactions – 10.00 EUR and belowCommercial Transaction rates apply
PayPal Fundraisers (Listed Fundraisers)Commercial Transaction rates apply
PayPal Fundraisers (Unlisted Fundraisers)No Fee

Receiving international donations

The applicable fee for receiving domestic donations applies plus the additional percentage-based fee for international donations.

Additional percentage-based fee for international donations

Where sender’s market/region isFee
EEANo fee
All other markets1.99%

Fixed fee for donations (based on currency received)

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
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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Standard rate for sending domestic donations

Payment TypeRate
PayPal Fundraisers (Unlisted Fundraisers)Sending and Receiving Money Rates (i.e., sending domestic personal transactions rates)
All Other DonationsNo Fee

Standard rate for sending international donations

The applicable fee for sending domestic donations applies plus the applicable additional percentage-based fee for international donations (international fee).

Payment TypeRate
PayPal Fundraisers (Unlisted Fundraisers)Sending and Receiving Money Rates (i.e., sending international personal transactions rates)
All Other DonationsNo Fee (when no currency conversion is involved)

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 donation or 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

No fee (when no currency conversion is involved)

Sending international personal transactions

Market of recipient’s addressRate
Canada, Europe I, Europe II, Northern Europe, & US1.99 EUR
Any other market/region3.99 EUR

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

No fee (when no currency conversion is involved)

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Currency Conversions

For information about how we convert currency, please see the user agreement.

Please access the Currency Converter tool below to indicate the applicable rate that may apply to your transaction. Any rates shown are subject to change based on time and date of the completed transaction.

Currency Converter Tool

Converting balance for a business account and transactions for which a receiver has agreed to bear the currency conversion

3.0% above the base exchange rate

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Withdrawals Out of PayPal

You can typically withdraw money out of PayPal by standard withdrawals/transfers to your linked bank account or eligible debit 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.

Withdrawing a balance from a personal PayPal account

Withdrawal/Transfer toWithdrawal/Transfer TypeRate
Local bank accountStandardNo Fee (when no currency conversion is involved)
US bank accountStandard3.00% (when no currency conversion is involved)
CardsStandardFixed Fee based on withdrawal currency

Withdrawal fees

Based on withdrawal currency:

Afghan Afghani262.50 AFN
Albania lek276.00 ALL
Algerian dinar300.00 DZD
Angola kwanza1233.00 AOA
Argentine peso8.00 ARS
Armenian dram1350.00 AMD
Aruban florin5.00 AWG
Australian dollar3.50 AUD
Azerbaijan manat4.50 AZN
Bahamian dollar3.00 BSD
Bahraini dinar1.00 BHD
Balboa2.50 PAB
Bangladeshi Taka220.00 BDT
Barbados dollar5.00 BBD
Belizean dollar5.00 BZD
Bermudian dollar3.00 BMD
Bhutan ngultrum178.00 BTN
Boliviano17.00 BOB
Botswana pula27.00 BWP
Brazilian real4.50 BRL
Brunei dollar3.00 BND
Bulgarian lev3.50 BGN
Burundi franc4725.00 BIF
Cabo Verde escudo249.00 CVE
Canadian dollar3.00 CAD
Cayman Island dollar2.00 KYD
CFA franc BEAC1478.00 XAF
CFA france1350.00 XOF
Chilean peso1200.00 CLP
Comoro franc1109.00 KMF
Cordoba oro85.00 NIO
Columbian peso8329.00 COP
Congolese franc4226.00 CDF
Convertible mark4.00 BAM
Costa Rican colon1408.00 CRC
Cypriot pound1.20 CYP
Czech koruna55.00 CZK
Dalasi128.00 GMD
Danish krone15.00 DKK
Denar139.00 MKD
Djibouti franc444.00 DJF
Dominican peso133.00 DOP
Dong57937.00 VND
East Caribbean dollar7.00 XCD
Egyptian pound40.00 EGP
Eritrean Nakfa37.50 ERN
Estonian kroon30.00 EEK
Ethiopian birr80.00 ETB
Euro2.00 EUR
Falkland Islands pound2.00 FKP
Fiji dollar5.00 FJD
Ghanaian Cedi15.50 GHS
Gibraltar pound1.50 GIP
Guarani16312.00 PYG
Guinea franc23848.00 GNF
Guyana dollar522.00 GYD
Haitian Gourde250.00 HTG
Hong Kong dollar20.00 HKD
Hryvnia61.00 UAH
Hungarian forint500.00 HUF
Iceland krona170.00 ISK
Indian rupee100.00 INR
Iraqi Dinar3,625.00 IQD
Israeli new shekel11.00 ILS
Japanese yen300.00 JPY
Jamaican dollar335.00 JMD
Jordanian dinar2.00 JOD
Kenyan shilling252.00 KES
Kina9.00 PGK
Kip22196.00 LAK
Kuwaiti dinar2.50 KWD
Kwacha1842.00 MWK
Kyrgyzstani som225.00 KGS
Lari7.00 GEL
Latvian lat1.50 LVL
Lebanese Pound3800.00 LBP
Leone24662.00 SLL
Lesotho Loti40.00 LSL
Liberian Dollar375.00 LRD
Lempira62.00 HNL
Lilangeni36.00 SZL
Lithuanian litas7.00 LTL
Macanese Pataca20.00 MOP
Malaysian ringgit8.00 MYR
Malagasy Ariary9129.00 MGA
Maltese lira0.90 MTL
Mauritanian ouguiya90 MRU
Mauritius rupee92.00 MUR
Mexican peso30.00 MXN
Moldovan leu44.00 MDL
Moroccan dirham24.00 MAD
Mozambican metical200.00 MZN
Myanmar Kyat4500.00 MMK
Naira906.00 NGN
Namibia dollar36.00 NAD
Nepalese rupee286.00 NPR
Netherlands Antillean guilder4.00 ANG
New Taiwan dollar87.50 TWD
New Zealand dollar4.00 NZD
Norwegian krone16.00 NOK
Nuevo Sol8.00 PEN
Omani Rial1.00 OMR
Pa’anga6.00 TOP
Pakistani Rupee450.00 PKR
Philippine peso100.00 PHP
Polish zloty8.00 PLN
Qatari rial9.00 QAR
Quetzal19.00 GTQ
Rand20.00 ZAR
Riel10300.00 KHR
Romanian leu6.00 RON
Rufiyaa39.00 MVR
Rupiah23000.00 IDR
Russian ruble150.00 RUB
Rwandan franc2500.00 RWF
Saint Helena pound2.00 SHP
Salvadoran Colón22.50 SVC
São Tomé And Príncipe Dobra55 STN
Saudi riyal9.00 SAR
Serbian dinar265.00 RSD
Seychelles rupee34.00 SCR
Singapore dollar4.00 SGD
Slovak koruna70.00 SKK
Solomon Islands dollar21.00 SBD
Somali shilling1449.00 SOS
Somoni26.00 TJS
Sri Lanka rupee454.00 LKR
Surinam dollar19.00 SRD
Swedish krona18.00 SEK
Swiss franc3.50 CHF
Tala7.00 WST
Tanzanian shilling5760.00 TZS
Tenge943.00 KZT
Thai baht90.00 THB
Trinidad and Tobago dollar17.00 TTD
Tugrik6867.00 MNT
Tunisian dinar7.50 TND
Turkish lira35 TRY
Turkmenistani Manat10.00 TMT
Uganda shilling9194.00 UGX
UAE dirham10.00 AED
UK pounds sterling1.50 GBP
US dollar2.50 USD
Uzbekistani Som30,000.00 UZS
Uruguay peso50.00 UYI/UYU
Vatu291.00 VUV
Venezuelan bolivar15,000,000.00 VES
Won2915.00 KRW
Yemeni rial626.00 YER
Yuan renminbi17.00 CNY
Zambian kwacha55.00 ZMW

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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

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.6.00 EUR
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.
Inactive PayPal AccountThe inactivity fee will be the lesser of the fee listed below or the remaining balance in your account.See Inactive PayPal Account Fee 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.12.00 EUR (per item)

Credit Card and Debit Card Link and Confirmation Table

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
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

Inactive PayPal Account Table

Czech koruna270.00 CZK
Danish krone75.00 DKK
Euro10.00 EUR
Hungarian forint3600.00 HUF
Norwegian krone105.00 NOK
Polish zloty45.00 PLN
Swedish krona100.00 SEK
Swiss franc10.00 CHF
UK pounds sterling9.00 GBP

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