Straightforward and no surprises.

  • Shop on thousands of websites that accept PayPal and, unless your transaction involves a currency conversion, we won't charge you a penny.
  • Send or receive money between friends and family and we won’t charge you anything, unless the payment is funded by a credit card, involves a currency conversion or is a cross-border payment.
  • If you’re selling with us, you may be able to get competitive rates for your business.

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Buying something with PayPal.

It’s free to use PayPal to buy something unless it involves a currency conversion.

Buying online or instore : Free (when no currency conversion is involved).

Sending and receiving money.

It’s free to use PayPal to send or receive money between friends and family in the UK, as long as the payment is funded by a debit card, bank account or PayPal balance, and no currency conversion is involved.

If you fund the payment using a credit card or make an international transfer, we charge you or, in some cases, the recipient a small fee. A currency conversion fee may also apply.

We think that’s pretty fair.

Sending or receiving money between friends and family within the UK : Free for payments when the payment is funded by the sender’s PayPal balance, bank account or debit card. If you use a credit card, a fee of 3.4% + 20p applies. The sender usually chooses who pays the fee.
Sending or receiving money to/from friends and family outside the UK :

A small fee applies to cross-border payments, depending on where the sender and the recipient are based and how the payment is funded.

The sender usually chooses who pays the fee.

Sending or receiving money between friends and family within the UK (in foreign currencies) : Currency conversion fees apply. If you are using a credit or debit card, a fee of 3.4% + 20p will also apply.
Send Money

Selling with PayPal.

We help process payments for millions of customers worldwide. Our seller fees are simple and transparent : PayPal charges UK sellers a fee of between 1.4% and 3.4% of the total sale plus 20p per transaction within the UK. The fee depends on how much you sell, so the more you sell, the less you pay. Check it out.

Standard transaction fee within the UK : 3.4% + 20p per transaction.
Discounted fee for eligible merchants and not-for-profit organisations (upon application and approval) : As low as 1.4% + 20p per transaction based on volume.
Micropayments within the UK (upon application and approval) : 5% + 5p per transaction.
PayPal Heretm (upon application and approval) : 2.75% for payments using Chip and PIN cards and PayPal check-in. 3.4% + 20p for card payments made by swiping the magnetic strip or manually entering the card details. Other fees may apply. PayPal Business account fees apply to all other payments received.
International sales : Additional fees apply for currency conversion and cross-border payments.

See our User Agreement for details of these transaction fees and other fees that may apply. Please note that PayPal does not control and is not responsible for fees charged by sellers to accept PayPal

Your monthly sales up to £1,500 £1,500 - £6,000 £6,000 - £15,000 £15,000 - £55,000 +£55,000
Transaction fee 3.4% + 20p 2.9% + 20p* 2.4% + 20p* 1.9% + 20p* 1.4% + 20p*
Nonprofit discounted rate 1.4% + 20p
Micropayments** 5% + 5p

PayPal Heretm

One-time purchase of only £99, incl. VAT & free delivery, plus a small fee per transaction:

  • 2.75% for payments using Chip & PIN cards and PayPal Check In.
  • 3.4% + 20p for card payments made by swiping the magnetic stripe or manually keying in the card details.

* You can apply for these Merchant Rates if you’ve received more than £1,500.00 GBP in PayPal payments in the previous calendar month. If you’re eligible for these Merchant Rates, log in to your PayPal account and apply via the online form. Please note that 1.4%+20p transaction rate does not apply to Website Payments Pro.

** You can apply for Micropayments if your average transaction is under £5. To apply call us on 0844 338 0470

This pricing table shows the transaction fees for domestic payments in UK Sterling. Additional charges apply for currency conversions and cross border payments as well as refunds and chargebacks.
Transferring money in the UK (no currency conversion) Transferring money abroad
Using bank account or PayPal balance Free A cross border fee of between 0.3% and 2% applies, depending on where you’re sending the money.
Using a debit card Free A cross border fee of between 3.4% and 7.4% + a fixed fee (based on currency received) applies.
Using a credit card 3.4% + 20p A cross border fee of between 3.4% and 7.4% + a fixed fee (based on currency received) applies.