PayPal Customer Fees

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


Last Updated: 6, August 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 Country/
Territory

Rates published below apply to PayPal accounts of residents of the following country/territory:

Country/Territory list

Mayotte (YT)Vatican City (VA)

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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)

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Sending money

When you send money (initiated from the “Friends and Family” tab of the “Send Money” flow) to 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

Country of recipient’s addressRate
European Economic Area
  • When transaction currency is EUR or SEK
  • No fee (when no currency conversion is involved)
    Any other country/territory5.00% of the transaction amount
  • The minimum fee is 1.99 EUR and the maximum fee is 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)

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    Mass Payments

    Mass Payments makes it easy to organise and email many recipients at once. We charge you a fee for each payment you send using Mass Payments, with the fee capped as shown below depending on the type of payment and currency in which it is sent.

    Sending Mass Payments

    TransactionRate
    Domestic Mass Payment2% of total transaction amount (not to exceed the domestic maximum fee cap below)
    International Mass Payments in Euro or Swedish Krona between PayPal accounts registered in the European Economic Area2% of total transaction amount (not to exceed the domestic maximum fee cap below)
    Other International Mass Payment2% of total transaction amount (not to exceed the international maximum fee cap below)

    Maximum fee cap for Mass Payments

    Based on payment currency:

    CurrencyDomestic Maximum Fee CapInternational Maximum Fee Cap
    Australian dollar16.00 AUD100.00 AUD
    Brazilian real24.00 BRL150.00 BRL
    Canadian dollar14.00 CAD90.00 CAD
    Czech koruna280.00 CZK1700.00 CZK
    Danish krone84.00 DKK500.00 DKK
    Euro12.00 EUR70.00 EUR
    Hong Kong dollar110.00 HKD660.00 HKD
    Hungarian forint3080.00 HUF18,500.00 HUF
    Israeli new shekel50.00 ILS320.00 ILS
    Japanese yen1200.00 JPY8000.00 JPY
    Malaysian ringgit50.00 MYR300.00 MYR
    Mexican peso170.00 MXN1080.00 MXN
    New Taiwan dollar440.00 TWD2700.00 TWD
    New Zealand dollar20.00 NZD120.00 NZD
    Norwegian krone90.00 NOK540.00 NOK
    Philippine peso640.00 PHP3800.00 PHP
    Polish zloty46.00 PLN280.00 PLN
    Russian ruble480.00 RUB2800.00 RUB
    Singapore dollar20.00 SGD120.00 SGD
    Swedish krona100.00 SEK640.00 SEK
    Swiss franc16.00 CHF100.00 CHF
    Thai baht460.00 THB2800.00 THB
    UK pounds sterling10.00 GBP60.00 GBP
    US dollar14.00 USD90.00 USD

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    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
    3.0% above the base exchange rate (to form the transaction exchange rate)

    Conversions in all other cases

    Rates for all other currency conversions (e.g. when sending payments not in EUR):

    CurrencyRate above the base exchange rate (to form
    the transaction exchange rate)
    CurrencyRate 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)4.00%Norwegian krone (NOK)4.00%
    Czech koruna (CZK)4.00%Philippine peso (PHP)4.00%
    Danish krone (DKK)4.00%Polish zloty (PLN)4.00%
    Euro (EUR)4.00%Russian ruble (RUB)4.00%
    Hong Kong dollar (HKD)4.00%Singapore dollar (SGD)4.00%
    Hungarian forint (HUF)3.50%Swedish krona (SEK)4.00%
    Israeli new shekel (ILS)4.00%Swiss franc (CHF)4.00%
    Japanese yen (JPY)4.00%Thai baht (THB)4.00%
    Malaysian ringgit (MYR)4.00%UK pounds sterling (GBP)4.00%
    Mexican peso (MXN)4.00%US dollar (USD)4.00%

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    Other Customer Fees

    Included below are fees associated with events, requests, or actions that may happen when you use your account.

    Other Fees

    ActivityDescriptionRate
    Bank Return on Transfer out of PayPalThis 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.3.00 EUR
    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 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.12.00 EUR (per item)

    Credit Card and Debit Card Link and Confirmation Table

    CurrencyRate
    Australian dollar2.00 AUD
    Brazilian real4.00 BRL
    Canadian dollar2.45 CAD
    Czech koruna50.00 CZK
    Danish krone12.50 DKK
    Euro1.50 EUR
    Hong Kong dollar15.00 HKD
    Hungarian forint400.00 HUF
    Israeli new shekel8.00 ILS
    Japanese yen200.00 JPY
    Malaysian ringgitNot Applicable
    Mexican peso20.00 MXN
    CurrencyRate
    New Taiwan dollar70.00 TWD
    New Zealand dollar3.00 NZD
    Norwegian krone15.00 NOK
    Philippine peso100.00 PHP
    Polish zloty6.50 PLN
    Russian ruble60.00 RUB
    Singapore dollar3.00 SGD
    Swedish krona15.00 SEK
    Swiss franc3.00 CHF
    Thai baht70.00 THB
    UK pounds sterling1.00 GBP
    US dollar1.95 USD

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