PayPal Consumer Fees
Buying and sending money can be easy, fast, and secure when using PayPal.
Last Updated: 19, March 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 Countries/Territories
Rates published below apply to PayPal accounts of residents of the following countries/territories:
Countries/Territories list
| United Kingdom (UK) | Gibraltar (GI) | Jersey (JE) | Romania (RO) |
|---|---|---|---|
| Bulgaria (BG) | Greece (GR) | Latvia (LV) | San Marino (SM) |
| Cyprus (CY) | Guernsey (GG) | Liechtenstein (LI) | Slovakia (SK) |
| Czech Republic (CZ) | Hungary (HU) | Lithuania (LT) | Slovenia (SI) |
| Estonia (EE) | Isle of Man (IM) | Malta (MT) |
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 by UK, GG, GI, JE, and IM users
| Rate | Minimum/Maximum |
|---|---|
| 5.00% of the transaction amount | The minimum fee is 0.99 GBP and the maximum fee is 2.99 GBP |
Sending international personal transactions by users elsewhere
| 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 |
|---|
| 2.5% above the base exchange rate (to form the transaction exchange rate) |
Conversions in all other cases by UK, GG, GI, JE and IM Users
Rates for all other currency conversions (e.g. when sending payments not in GBP):
| 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) | 3.75% | Norwegian krone (NOK) | 3.75% |
| Czech koruna (CZK) | 3.75% | Philippine peso (PHP) | 4.00% |
| Danish krone (DKK) | 3.75% | Polish zloty (PLN) | 3.75% |
| Euro (EUR) | 3.75% | Russian ruble (RUB) | 3.75% |
| Hong Kong dollar (HKD) | 4.00% | Singapore dollar (SGD) | 4.00% |
| Hungarian forint (HUF) | 3.75% | Swedish krona (SEK) | 3.75% |
| Israeli new shekel (ILS) | 4.00% | Swiss franc (CHF) | 3.75% |
| Japanese yen (JPY) | 4.00% | Thai baht (THB) | 4.00% |
| Malaysian ringgit (MYR) | 4.00% | UK pounds sterling (GBP) | 3.75% |
| Mexican peso (MXN) | 4.00% | US dollar (USD) | 3.75% |
Conversions in all other cases by Users elsewhere
| Rate |
|---|
| 4.0% above the base exchange rate (to form the transaction exchange rate) |
Transfers Out of PayPal
You can typically transfer money out of PayPal by standard transfers to your linked bank account or eligible debit cards. Withdrawal to a bank account or a card may not be possible in all countries/territories. 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 | Country/Territory | Rate |
|---|---|---|
| Bank account | All (where available) | No Fee (when no currency conversion is involved) |
| Cards | UK, JE, GG, & IM | No Fee (when no currency conversion is involved) |
| BG, RO, & SI | 1% of amount transferred | |
| CY, EE, GI, LI, LT, LV, MT, SK, & SM | Fixed Fee for card withdrawal applies per withdrawal | |
| Any other country/territory (where available) | 2.00 EUR |
BG, RO, & SI - Minimum and maximum fees
Based on card withdrawal currency:
| Currency | Minimum Fee | Maximum Fee |
|---|---|---|
| Australian dollar | 0.25 AUD | 10.00 AUD |
| Bulgarian lev | 0.50 BGN | 20.00 BGN |
| Canadian dollar | 0.25 CAD | 10.00 CAD |
| Croatian kuna | 2.00 HRK | 70.00 HRK |
| Czech koruna | 5.70 CZK | 230.00 CZK |
| Danish krone | 1.80 DKK | 70.00 DKK |
| Euro | 0.25 EUR | 10.00 EUR |
| Hong Kong dollar | 2.00 HKD | 80.00 HKD |
| Hungarian forint | 70.00 HUF | 2900.00 HUF |
| Israeli new shekel | 1.00 ILS | 40.00 ILS |
| Japanese yen | 30.00 JPY | 1100.00 JPY |
| Kuwaiti dinar | 1 KWD | No Max |
| Malaysian ringgit | 1.00 MYR | 40.00 MYR |
| Mexican peso | 5.00 MXN | 200.00 MXN |
| New Zealand dollar | 0.40 NZD | 15.00 NZD |
| Norwegian krone | 1.00 NOK | 40.00 NOK |
| Philippine peso | 10.00 PHP | 500.00 PHP |
| Polish zloty | 1.00 PLN | 40.00 PLN |
| Qatari rial | 1.00 QAR | 40.00 QAR |
| Romania new lei | 1.00 RON | 40.00 RON |
| Russian ruble | 20.00 RUB | 700.00 RUB |
| Serbian dinar | 25.00 RSD | 1000.00 RSD |
| Singapore dollar | 0.50 SGD | 15.00 SGD |
| South African rand | 3.60 ZAR | 145.00 ZAR |
| Sri Lanka rupee | 50.00 LKR | 1800.00 LKR |
| Swedish krona | 2.50 SEK | 100.00 SEK |
| Thai baht | 8.00 THB | 320.00 THB |
| Turkish lira | 1.50 TRY | 60.00 TRY |
| United Arab Emirates dirham | 0.90 AED | 36.70 AED |
| UK pounds sterling | 0.20 GBP | 8.00 GBP |
| US dollar | 0.25 USD | 10.00 USD |
| ALL Other Currencies | No Min | No Max |
CY, EE, GI, LI, LT, LV, MT, SK & SM - Fixed fee for card withdrawal
Based on card withdrawal currency:
| Currency | Fee |
|---|---|
| Argentinian peso | 8.00 ARS |
| Australian dollar | 3.50 AUD |
| Brazilian real | 4.50 BRL |
| Bulgarian lev | 3.50 BGN |
| Canadian dollar | 3.00 CAD |
| Chilean peso | 1200.00 CLP |
| Croatian kuna | 15.00 HRK |
| Cyprus pound | 1.20 CYP |
| Czech koruna | 55.00 CZK |
| Danish krone | 15.00 DKK |
| Estonian krone | 30.00 EEK |
| Euro | 2.00 EUR |
| Gibraltar pound | 1.50 GIP |
| Hong Kong dollar | 20.00 HKD |
| Hungarian forint | 500.00 HUF |
| Iceland krona | 170.00 ISK |
| Indonesian rupiah | 23000.00 IDR |
| Indian rupee | 100.00 INR |
| Israeli new shekel | 11.00 ILS |
| Japanese yen | 300.00 JPY |
| Latvian lats | 1.50 LVL |
| Lithuanian litas | 7.00 LTL |
| Malaysian ringgit | 8.00 MYR |
| Maltese lira | 0.90 MTL |
| Mexican peso | 30.00 MXN |
| New Zealand dollar | 4.00 NZD |
| Norwegian krone | 16.00 NOK |
| Philippine peso | 100.00 PHP |
| Polish zloty | 8.00 PLN |
| Romania new lei | 6.00 RON |
| Russian ruble | 150.00 RUB |
| Singapore dollar | 4.00 SGD |
| Slovak koruna | 70.00 SKK |
| South African rand | 20.00 ZAR |
| Swedish krona | 18.00 SEK |
| Swiss franc | 3.50 CHF |
| Thai baht | 90.00 THB |
| Turkish lira | 3.80 TRY |
| United Arab Emirates dirham | 10.00 AED |
| UK pounds sterling | 1.50 GBP |
| Uruguayan peso | 50.00 UYU |
| US dollar | 2.50 USD |
| ALL Other Currencies | No Fee |
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. | See Bank Return on 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. |
| 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. | 10.00 GBP or 12.00 EUR (per item) |
Bank Return on Transfer out of PayPal Table
| Country/Territory | Rate |
|---|---|
| UK users | 0.50 GBP |
| Czech Republic users | 200.00 CZK |
| Hungarian users | 1500.00 HUF |
| Users registered in the Eurozone | 3.00 EUR |
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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