PayPal Consumer Fees

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

Last Updated: 25, August 2021

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 market.

International: A transaction occurring when the sender and receiver are registered with or identified by PayPal as residents of different markets. Certain markets 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/

Rates published below apply to PayPal accounts of residents of the following market/region:

Market/Region list

United Kingdom (UK)Guernsey (GG)Jersey (JE)
Gibraltar (GI)Isle of Man (IM)

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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, 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 – GBP24.99GBP0.50
25.00 – GBP100.002.3%
100.01 – GBP200.002%
200.01 – GBP1,000.001.8%
GBP1,000.01 +1.5%

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Receiving Donations

When you send or receive donations, such as through Generosity Network fundraisers or otherwise, we call that a “donation”.

Standard rate for receiving domestic donations

Transaction TypeRate
Donation2.9% + fixed fee
QR Code Transactions – GBP10.01 and aboveCommercial Transaction rates apply
QR code Transactions – GBP10.00 GBP and belowCommercial Transaction rates apply

Receiving international donations

The 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
Canada & US2%
Europe I0.5%
Europe II2%
Northern Europe0.5%
Rest of the world2%

Fixed fee for donations (based on currency received)

Australian dollarAUD0.30
Brazilian realBRL0.06
Canadian dollarCAD0.30
Czech korunaCZK10.00
Danish kroneDKK2.60
Hong Kong dollarHKD2.35
Hungarian forintHUF90
Israeli new shekelILS1.20
Japanese yenJPY40
Malaysian ringgitMYR2.00
Mexican pesoMXN4.00
New Taiwan dollarTWD10
New Zealand dollarNZD0.45
Norwegian kroneNOK2.80
Philippine pesoPHP15.00
Polish zlotyPLN1.35
Russian rubleRUB10.00
Singapore dollarSGD0.50
Swedish kronaSEK3.25
Swiss francCHF0.55
Thai bahtTHB11.00
UK pounds sterlingGBP0.30
US dollarUSD0.30

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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

No fee (when no currency conversion is involved)

Sending international personal transactions

5% of the transaction amountThe minimum fee is GBP0.99 and the maximum fee is GBP2.99

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

3% 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. Withdrawal to a bank account or a card may not be possible in all markets. 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 toMarketRate
Bank accountAll (where available)No Fee (when no currency conversion is involved)
US bank accountGG, GI, IM, JE, & UK3% (when no currency conversion is involved)
CardsGG, IM, JE, & UKNo Fee (when no currency conversion is involved)
GIFixed Fee for card withdrawal applies per withdrawal

GI - Fixed fee for card withdrawal

Based on card withdrawal currency:

Albania lekALL276
Algerian dinarDZD300.00
Angola kwanzaAOA1,233.00
Argentine pesoARS8.00
Aruban florinAWG5.00
Australian dollarAUD3.50
Bahamian dollarBSD3.00
Barbados dollarBBD5.00
Bermudian dollarBMD3.00
Bhutan ngultrumBTN178.00
Botswana pulaBWP27.00
Brazilian realBRL4.50
Brunei dollarBND3.00
Bulgarian levBGN3.50
Burundi francBIF4,725
Cabo Verde escudoCVE249.00
Canadian dollarCAD3.00
Cayman Island dollarKYD2.00
CFA franc BEACXAF1,478
Chilean pesoCLP1,200
Comoro francKMF1,109
Cordoba oroNIO85.00
Columbian pesoCOP8,329
Congolese francCDF4,226.00
Convertible markBAM4.00
Costa Rican colonCRC1,408
Cypriot poundCYP1.20
Czech korunaCZK55.00
Danish kroneDKK15.00
Djibouti francDJF444
Dominican pesoDOP133.00
East Caribbean dollarXCD7.00
Egyptian poundEGP40.00
Estonian kroonEEK30.00
Ethiopian birrETB80.00
Falkland Islands poundFKP2.00
Fiji dollarFJD5.00
Gibraltar poundGIP1.50
Guinea francGNF23,848
Guyana dollarGYD522
Hong Kong dollarHKD20.00
Hungarian forintHUF500
Iceland kronaISK170
Indian rupeeINR100.00
Israeli new shekelILS11.00
Japanese yenJPY300
Jamaican dollarJMD335.00
Kenyan shillingKES252.00
Latvian latLVL1.50
Lithuanian litasLTL7.00
Malaysian ringgitMYR8.00
Malagasy AriaryMGA9,129
Maltese liraMTL0.90
Mauritanian ouguiyaMRO937
Mauritius rupeeMUR92
Mexican pesoMXN30.00
Moldovan leuMDL44.00
Moroccan dirhamMAD24.00
Namibia dollarNAD36.00
Nepalese rupeeNPR286.00
Netherlands Antillean guilderANG4.00
New Taiwan dollarTWD88
New Zealand dollarNZD4.00
Norwegian kroneNOK16.00
Nuevo SolPEN8.00
Philippine pesoPHP100.00
Polish zlotyPLN8.00
Qatari rialQAR9.00
Romanian leuRON6.00
Russian rubleRUB150.00
Saint Helena poundSHP2.00
Saudi riyalSAR9.00
Serbian dinarRSD265
Seychelles rupeeSCR34.00
Singapore dollarSGD4.00
Slovak korunaSKK70.00
Solomon Islands dollarSBD21.00
Somali shillingSOS1,449
Sri Lanka rupeeLKR454.00
Surinam dollarSRD19.00
Swedish kronaSEK18.00
Swiss francCHF3.50
Tanzanian shillingTZS5,760
Thai bahtTHB90.00
Trinidad and Tobago dollarTTD17.00
Turkish liraTRY3.80
Uganda shillingUGX9,194
UAE dirhamAED10.00
UK pounds sterlingGBP1.50
US dollarUSD2.50
Uruguay pesoUYU50.00
Yemeni rialYER626
Yuan renminbiCNY17.00

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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.See Bank Return on Withdrawal/Transfer out of PayPal Table below.
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.GBP10.00 or EUR12.00 (per item)

Bank Return on Withdrawal/Transfer out of PayPal Table

UK usersGBP10.00
Users registered in the EurozoneEUR12.00

Credit Card and Debit Card Link and Confirmation Table

Australian dollarAUD2.00
Brazilian realBRL4.00
Canadian dollarCAD2.45
Czech korunaCZK50.00
Danish kroneDKK12.50
Hong Kong dollarHKD15.00
Hungarian forintHUF400
Israeli new shekelILS8.00
Japanese yenJPY200
Malaysian ringgitNot Applicable
Mexican pesoMXN20.00
New Taiwan dollarTWD70
New Zealand dollarNZD3.00
Norwegian kroneNOK105.00
Philippine pesoPHP100.00
Polish zlotyPLN45.00
Russian rubleRUB60.00
Singapore dollarSGD3.00
Swedish kronaSEK100.00
Swiss francCHF10.00
Thai bahtTHB70.00
UK pounds sterlingGBP9.00
US dollarUSD1.95

Inactive PayPal Account Table

Czech korunaCZK270.00
Danish kroneDKK75.00
Hungarian forintHUF3,600
Norwegian kroneNOK105.00
Polish zlotyPLN45.00
Swedish kronaSEK100.00
Swiss francCHF10.00
UK pounds sterlingGBP9.00

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