Cross Border and Currency Conversion Fees in the UK

Fees for Cross Border Personal Payments

To determine the fee for a Cross Border Personal payment sent to a user in a specific country please follow the steps below.

Note that either the sender or the recipient pays the fee, not both. In most cases, the sender decides who pays the fee.

Step 1. Locate the recipient’s country in the table below (in the first column from left).
Step 2. Determine the region of the sender’s country (second column).
Step 3. Find the applicable fee based on the payment method used (third and fourth columns).

Recipient’s Country Sender’s Country Fee for payment fully funded by PayPal balance or bank account Fee for payment fully or partially funded by debit card or credit card
Albania, Andorra, Austria, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland (including Aland Islands), Gibraltar, Greece, Hungary, Iceland, Ireland, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Portugal, Romania, Russia, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, U.K. (including Channel Islands and Isle of Man). Northern Europe * 0.4% 3.8% + Fixed Fee
US, Canada, Europe I ** 0.5% 3.9% + Fixed Fee
Europe II *** 1.0% 4.4% + Fixed Fee
All other countries 1.5% 4.9% + Fixed Fee
Belgium, France, French Guiana, Guadeloupe, Italy, Martinique, Mayotte, Netherlands, Reunion. Northern Europe * 0.4% 3.8% + Fixed Fee
US, Canada, Europe I ** 0.5% 3.9% + Fixed Fee
Europe II *** 1.3% 4.7% + Fixed Fee
All other countries 1.8% 5.2% + Fixed Fee
Germany Northern Europe * 1.8% 3.7% + Fixed Fee
US, Canada, Europe I ** 2.0% 3.9% + Fixed Fee
Europe II *** 3.0% 4.9% + Fixed Fee
All other countries 3.3% 5.2% + Fixed Fee
Poland Northern Europe * 0.9% 3.8% + Fixed Fee
US, Canada, Europe I ** 1.0% 3.9% + Fixed Fee
Europe II *** 1.5% 4.4% + Fixed Fee
All other countries 2.0% 4.9% + Fixed Fee
Australia Anywhere 1.0% 3.4% + Fixed Fee
Brazil Anywhere 1.0%^ 7.4% + Fixed Fee
Japan Anywhere 0.3% 3.9% + Fixed Fee
U.S. and Canada Anywhere 1.0% 3.9% + Fixed Fee
All other countries Anywhere 0.5% 3.9% + Fixed Fee^

* Northern Europe: Denmark, Faroe Islands, Finland (including Aland Islands), Greenland, Iceland, Norway, Sweden.

** Europe I: Austria, Belgium, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte), Germany, Gibraltar, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, San Marino, Slovakia, Slovenia, Spain, United Kingdom (including Channel Islands and Isle of Man), Vatican City State.

*** Europe II: Albania, Andorra, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Latvia, Liechtenstein, Lithuania, Poland, Romania, Russia, Serbia, Switzerland, Turkey, Ukraine.

Note:Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or EEA will be treated as Domestic Payments for the purpose of applying Fees.


Fees for cross border commercial payments

Fees for receiving payments from buyers outside your country, are based on the fees for receiving domestic commercial payments with:

  • the percentage based element increased by the Cross Border Fee outlined in the table below.
  • the fixed fee element based on the currency received or set out in the fixed fee table below.
Sender’s Country Cross Border Fee
Northern Europe* 0.4%
Europe I/ US/ Canada** 0.5%
Europe II*** 1.0%
Rest of World 1.5%

* Aland Islands, Denmark, Faroe Islands, Finland, Greenland, Iceland, Norway, Sweden.

** Austria, Belgium, Canada, Channel Islands, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte) , Germany , Gibraltar, Greece, Ireland, Isle of Man, Italy, Luxembourg, Malta, Monaco, Netherlands, Portugal, Montenegro, San Marino, Slovakia, Slovenia, Spain, United Kingdom, United States, Vatican City State.

*** Andorra, Albania, Bosnia & Herzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Latvia, Liechtenstein, Lithuania, Macedonia, Moldova, Poland, Romania, Russian Federation, Serbia, Switzerland, Turkey, Ukraine.

Note:Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or EEA will be treated as Domestic Commercial Transaction payments for the purpose of applying Fees.


Fixed Fee (based on currency received)

Currency: Fee:
Argentine Peso: 2.00 ARS
Australian Dollar: $0.30 AUD
Brazilian Real: R$0.60 BRL
Canadian Dollar:
$0.30 CAD
Czech Koruna:
10.00 CZK
Danish Kroner: 2.60 DKK
Euro: €0.35 EUR
Hong Kong Dollar:
$2.35 HKD
Hungarian Forint:
90.00 HUF
Israeli New Shekel: 1.20 ILS
Japanese Yen: ¥40.00 JPY
Malaysian Ringgit:
2.00 MYR
Mexican Peso: 4.00 MXN
New Zealand Dollar:
$0.45 NZD
Norwegian Krone: 2.80 NOK
Philippine Peso:
15.00 PHP
Polish Zloty:
1.35 PLN
Russian Ruble: ^^ 10.00 RUB ^^
Singapore Dollar: $0.50 SGD
Swedish Krona: 3.25 SEK
Swiss Franc: 0.55 CHF
New Taiwan Dollar: $10.00 TWD
Thai Baht: 11.00 THB
Turkish Lira: 0.45 TRY
U.K. Pounds Sterling: £0.20 GBP
U.S. Dollar: $0.30 USD
^^ Subject to the commencement of PayPal’s Russian Ruble service

Currency conversion fee

Fees for converting your balance or payments that you receive into another currency: 2.5% above the wholesale exchange rate

Fees for all other transactions involving a currency conversion (For example: sending payments not in UK Sterling):

Currency and Code Currency Conversion Fee
(above the wholesale exchange rate)
Argentine Peso (ARS) 4.0%
Australian Dollar (AUD) 4.0%
Brazilian Real (BRL) 4.0%
Canadian Dollar (CAD) 3.0%
Czech Koruna (CZK) 3.5%
Danish Krone (DKK) 3.5%
Euro (EUR) 3.5%
Hong Kong Dollar (HKD) 4.0%
Hungarian Forint (HUF) 3.5%
Israeli Shekel (ILS) 4.0%
Japanese Yen (JPY) 4.0%
Malaysian Ringgit (MYR) 4.0%
Mexican Peso (MXN) 4.0%
New Zealand Dollar (NZD) 4.0%
Norwegian Krone (NOK) 3.5%
Philippine Peso (PHP) 4.0%
Polish Zloty (PLN) 3.5%
Russian Ruble (RUB) 3.5%
Singapore Dollar (SGD) 4.0%
Swedish Krona (SEK) 3.5%
Swiss Franc (CHE) 3.5%
Taiwan New Dollar (TWD) 4.0%
Thai Baht (THB) 4.0%
Turkish Lira (TRY) 3.5%
U.K. Pounds Sterling (GBP) 3.5%
U.S. Dollar (USD) 3.0%