PayPal Consumer Fees
Buying and sending money can be easy, fast, and secure when using PayPal.
Last Updated: 14, September 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.
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.
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
| Luxembourg (LU) |
|---|
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
| Rate |
|---|
| No fee (when no currency conversion is involved) |
Sending international personal transactions
| Country of recipient’s address | Rate |
|---|---|
| Canada, Europe I, Europe II, Northern Europe, & US | 1.99 EUR |
| Any other country/territory | 3.99 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
| Rate |
|---|
| No fee (when no currency conversion is involved) |
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 |
|---|
| 3.0% 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 EUR):
| Currency | Rate above the base exchange rate (to form the transaction exchange rate) | Currency | Rate 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% |
Transfers Out of PayPal
You can typically transfer money out of PayPal by standard 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.
Transferring balance from a personal PayPal account
| Transfer to | Transfer Type | Rate |
|---|---|---|
| Bank account | Standard | No Fee (when no currency conversion is involved) |
| Cards | Standard | Fixed Fee based on withdrawal currency |
Withdrawal fees
Based on withdrawal currency:
| Currency | Fee |
|---|---|
| Albania lek | 276.00 ALL |
| Algerian dinar | 300.00 DZD |
| Angola kwanza | 1233.00 AOA |
| Argentine peso | 8.00 ARS |
| Aruban florin | 5.00 AWG |
| Australian dollar | 3.50 AUD |
| Bahamian dollar | 3.00 BSD |
| Balboa | 2.50 PAB |
| Barbados dollar | 5.00 BBD |
| Bermudian dollar | 3.00 BMD |
| Bhutan ngultrum | 178.00 BTN |
| Boliviano | 17.00 BOB |
| Botswana pula | 27.00 BWP |
| Brazilian real | 4.50 BRL |
| Brunei dollar | 3.00 BND |
| Bulgarian lev | 3.50 BGN |
| Burundi franc | 4725.00 BIF |
| Cabo Verde escudo | 249.00 CVE |
| Canadian dollar | 3.00 CAD |
| Cayman Island dollar | 2.00 KYD |
| CFA franc BEAC | 1478.00 XAF |
| Chilean peso | 1200.00 CLP |
| Comoro franc | 1109.00 KMF |
| Cordoba oro | 85.00 NIO |
| Columbian peso | 8329.00 COP |
| Congolese franc | 4226.00 CDF |
| Convertible mark | 4.00 BAM |
| Costa Rican colon | 1408.00 CRC |
| Cypriot pound | 1.20 CYP |
| Czech koruna | 55.00 CZK |
| Dalasi | 128.00 GMD |
| Currency | Fee |
|---|---|
| Danish krone | 15.00 DKK |
| Denar | 139.00 MKD |
| Djibouti franc | 444.00 DJF |
| Dominican peso | 133.00 DOP |
| Dong | 57937.00 VND |
| East Caribbean dollar | 7.00 XCD |
| Egyptian pound | 40.00 EGP |
| Estonian kroon | 30.00 EEK |
| Ethiopian birr | 80.00 ETB |
| Euro | 2.00 EUR |
| Falkland Islands pound | 2.00 FKP |
| Fiji dollar | 5.00 FJD |
| Gibraltar pound | 1.50 GIP |
| Guarani | 16312.00 PYG |
| Guinea franc | 23848.00 GNF |
| Guyana dollar | 522.00 GYD |
| Hong Kong dollar | 20.00 HKD |
| Hryvnia | 61.00 UAH |
| Hungarian forint | 500.00 HUF |
| Iceland krona | 170.00 ISK |
| Indian rupee | 100.00 INR |
| Israeli new shekel | 11.00 ILS |
| Japanese yen | 300.00 JPY |
| Jamaican dollar | 335.00 JMD |
| Kenyan shilling | 252.00 KES |
| Kina | 9.00 PGK |
| Kip | 22196.00 LAK |
| Kuna | 15.00 HRK |
| Kwacha | 1842.00 MWK |
| Lari | 7.00 GEL |
| Latvian lat | 1.50 LVL |
| Currency | Fee |
|---|---|
| Leone | 24662.00 SLL |
| Lempira | 62.00 HNL |
| Lilangeni | 36.00 SZL |
| Lithuanian litas | 7.00 LTL |
| Malaysian ringgit | 8.00 MYR |
| Malagasy Ariary | 9129.00 MGA |
| Maltese lira | 0.90 MTL |
| Mauritanian ouguiya | 937.00 MRO |
| Mauritius rupee | 92.00 MUR |
| Mexican peso | 30.00 MXN |
| Moldovan leu | 44.00 MDL |
| Moroccan dirham | 24.00 MAD |
| Naira | 906.00 NGN |
| Namibia dollar | 36.00 NAD |
| Nepalese rupee | 286.00 NPR |
| Netherlands Antillean guilder | 4.00 ANG |
| New Taiwan dollar | 87.50 TWD |
| New Zealand dollar | 4.00 NZD |
| Norwegian krone | 16.00 NOK |
| Nuevo Sol | 8.00 PEN |
| Pa’anga | 6.00 TOP |
| Philippine peso | 100.00 PHP |
| Polish zloty | 8.00 PLN |
| Qatari rial | 9.00 QAR |
| Quetzal | 19.00 GTQ |
| Rand | 20.00 ZAR |
| Riel | 10300.00 KHR |
| Romanian leu | 6.00 RON |
| Rufiyaa | 39.00 MVR |
| Rupiah | 23000.00 IDR |
| Currency | Fee |
|---|---|
| Russian ruble | 150.00 RUB |
| Saint Helena pound | 2.00 SHP |
| Saudi riyal | 9.00 SAR |
| Serbian dinar | 265.00 RSD |
| Seychelles rupee | 34.00 SCR |
| Singapore dollar | 4.00 SGD |
| Slovak koruna | 70.00 SKK |
| Solomon Islands dollar | 21.00 SBD |
| Somali shilling | 1449.00 SOS |
| Somoni | 26.00 TJS |
| Sri Lanka rupee | 454.00 LKR |
| Surinam dollar | 19.00 SRD |
| Swedish krona | 18.00 SEK |
| Swiss franc | 3.50 CHF |
| Tala | 7.00 WST |
| Tanzanian shilling | 5760.00 TZS |
| Tenge | 943.00 KZT |
| Thai baht | 90.00 THB |
| Trinidad and Tobago dollar | 17.00 TTD |
| Tugrik | 6867.00 MNT |
| Turkish lira | 3.80 TRY |
| Uganda shilling | 9194.00 UGX |
| UAE dirham | 10.00 AED |
| UK pounds sterling | 1.50 GBP |
| US dollar | 2.50 USD |
| Uruguay peso | 50.00 UYI/UYU |
| Vatu | 291.00 VUV |
| Won | 2915.00 KRW |
| Yemeni rial | 626.00 YER |
| Yuan renminbi | 17.00 CNY |
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. | 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. |
| Records Request | This 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
| 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 |
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