PayPal Consumer Fees

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

Last Updated: 1, August 2022

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 transactions where both the sender and the receiver are registered with or identified by PayPal as resident in the United Kingdom, Guernsey, Jersey, Isle of Man 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)
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 – GBP 24.99GBP 0.50
25.00 – GBP 100.002.3%
100.01 – GBP 200.002%
200.01 – GBP 1,000.001.8%
GBP 1,000.01 +1.5%

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Receiving Donations

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

Standard rate for receiving domestic donations

Transaction TypeRate
Donation2.9% + fixed fee
QR Code Transactions – GBP 10.01 and aboveCommercial Transaction rates apply
QR code Transactions – GBP 10.00 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
All other markets1.99%

Fixed fee for donations (based on currency received)

Australian dollarAUD 0.30
Brazilian realBRL 0.60
Canadian dollarCAD 0.30
Czech korunaCZK 10.00
Danish kroneDKK 2.60
EuroEUR 0.35
Hong Kong dollarHKD 2.35
Hungarian forintHUF 90.00
Israeli new shekelILS 1.20
Japanese yenJPY 40.00
Malaysian ringgitMYR 2.00
Mexican pesoMXN 4.00
New Taiwan dollarTWD 10.00
New Zealand dollarNZD 0.45
Norwegian kroneNOK 2.80
Philippine pesoPHP 15.00
Polish zlotyPLN 1.35
Russian rubleRUB 10.00
Singapore dollarSGD 0.50
Swedish kronaSEK 3.25
Swiss francCHF 0.55
Thai bahtTHB 11.00
UK pounds sterlingGBP 0.30
US dollarUSD 0.30

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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 GBP 0.99 and the maximum fee is GBP 2.99

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 and transactions for which a receiver has agreed to bear the currency conversion

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, IM, JE, & UK3% (when no currency conversion is involved)
CardsGG, IM, JE, & UKNo Fee (when no currency conversion is involved)

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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.GBP 10.00 or EUR 12.00 (per item)

Bank Return on Withdrawal/Transfer out of PayPal Table

UK usersGBP 10.00
Users registered in the EurozoneEUR 12.00

Credit Card and Debit Card Link and Confirmation Table

Australian dollarAUD 2.00
Brazilian realBRL 4.00
Canadian dollarCAD 2.45
Czech korunaCZK 50.00
Danish kroneDKK 12.50
EuroEUR 1.50
Hong Kong dollarHKD 15.00
Hungarian forintHUF 400.00
Israeli new shekelILS 8.00
Japanese yenJPY 200.00
Malaysian ringgitNot Applicable
Mexican pesoMXN 20.00
New Taiwan dollarTWD 70.00
New Zealand dollarNZD 3.00
Norwegian kroneNOK 105.00
Philippine pesoPHP 100.00
Polish zlotyPLN 45.00
Russian rubleRUB 60.00
Singapore dollarSGD 3.00
Swedish kronaSEK 100.00
Swiss francCHF 10.00
Thai bahtTHB 70.00
UK pounds sterlingGBP 9.00
US dollarUSD 1.95

Inactive PayPal Account Table

Czech korunaCZK 270.00
Danish kroneDKK 75.00
EuroEUR 10.00
Hungarian forintHUF 3,600.00
Norwegian kroneNOK 105.00
Polish zlotyPLN 45.00
Swedish kronaSEK 100.00
Swiss francCHF 10.00
UK pounds sterlingGBP 9.00

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