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)

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 or in-store

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

No fee (when no currency conversion is involved)

Sending international personal transactions

Country of recipient’s addressRate
Canada, Europe I, Europe II, Northern Europe, & US1.99 EUR
Any other country/territory3.99 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)

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

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):

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 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 toTransfer TypeRate
Bank accountStandardNo Fee (when no currency conversion is involved)
CardsStandardFixed Fee based on withdrawal currency

Withdrawal fees

Based on withdrawal currency:

Albania lek276.00 ALL
Algerian dinar300.00 DZD
Angola kwanza1233.00 AOA
Argentine peso8.00 ARS
Aruban florin5.00 AWG
Australian dollar3.50 AUD
Bahamian dollar3.00 BSD
Balboa2.50 PAB
Barbados dollar5.00 BBD
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
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
Estonian kroon30.00 EEK
Ethiopian birr80.00 ETB
Euro2.00 EUR
Falkland Islands pound2.00 FKP
Fiji dollar5.00 FJD
Gibraltar pound1.50 GIP
Guarani16312.00 PYG
Guinea franc23848.00 GNF
Guyana dollar522.00 GYD
Hong Kong dollar20.00 HKD
Hryvnia61.00 UAH
Hungarian forint500.00 HUF
Iceland krona170.00 ISK
Indian rupee100.00 INR
Israeli new shekel11.00 ILS
Japanese yen300.00 JPY
Jamaican dollar335.00 JMD
Kenyan shilling252.00 KES
Kina9.00 PGK
Kip22196.00 LAK
Kuna15.00 HRK
Kwacha1842.00 MWK
Lari7.00 GEL
Latvian lat1.50 LVL
Leone24662.00 SLL
Lempira62.00 HNL
Lilangeni36.00 SZL
Lithuanian litas7.00 LTL
Malaysian ringgit8.00 MYR
Malagasy Ariary9129.00 MGA
Maltese lira0.90 MTL
Mauritanian ouguiya937.00 MRO
Mauritius rupee92.00 MUR
Mexican peso30.00 MXN
Moldovan leu44.00 MDL
Moroccan dirham24.00 MAD
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
Pa’anga6.00 TOP
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
Saint Helena pound2.00 SHP
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
Turkish lira3.80 TRY
Uganda shilling9194.00 UGX
UAE dirham10.00 AED
UK pounds sterling1.50 GBP
US dollar2.50 USD
Uruguay peso50.00 UYI/UYU
Vatu291.00 VUV
Won2915.00 KRW
Yemeni rial626.00 YER
Yuan renminbi17.00 CNY

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

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.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 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

Back to top