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) |
|---|
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) |
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 address | Rate |
|---|---|
| European Economic Area | No fee (when no currency conversion is involved) |
| Any other country/territory | 5.00% of the transaction amount |
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) |
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
| Transaction | Rate |
|---|---|
| Domestic Mass Payment | 2% 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 Area | 2% of total transaction amount (not to exceed the domestic maximum fee cap below) |
| Other International Mass Payment | 2% of total transaction amount (not to exceed the international maximum fee cap below) |
Maximum fee cap for Mass Payments
Based on payment currency:
| Currency | Domestic Maximum Fee Cap | International Maximum Fee Cap |
|---|---|---|
| Australian dollar | 16.00 AUD | 100.00 AUD |
| Brazilian real | 24.00 BRL | 150.00 BRL |
| Canadian dollar | 14.00 CAD | 90.00 CAD |
| Czech koruna | 280.00 CZK | 1700.00 CZK |
| Danish krone | 84.00 DKK | 500.00 DKK |
| Euro | 12.00 EUR | 70.00 EUR |
| Hong Kong dollar | 110.00 HKD | 660.00 HKD |
| Hungarian forint | 3080.00 HUF | 18,500.00 HUF |
| Israeli new shekel | 50.00 ILS | 320.00 ILS |
| Japanese yen | 1200.00 JPY | 8000.00 JPY |
| Malaysian ringgit | 50.00 MYR | 300.00 MYR |
| Mexican peso | 170.00 MXN | 1080.00 MXN |
| New Taiwan dollar | 440.00 TWD | 2700.00 TWD |
| New Zealand dollar | 20.00 NZD | 120.00 NZD |
| Norwegian krone | 90.00 NOK | 540.00 NOK |
| Philippine peso | 640.00 PHP | 3800.00 PHP |
| Polish zloty | 46.00 PLN | 280.00 PLN |
| Russian ruble | 480.00 RUB | 2800.00 RUB |
| Singapore dollar | 20.00 SGD | 120.00 SGD |
| Swedish krona | 100.00 SEK | 640.00 SEK |
| Swiss franc | 16.00 CHF | 100.00 CHF |
| Thai baht | 460.00 THB | 2800.00 THB |
| UK pounds sterling | 10.00 GBP | 60.00 GBP |
| US dollar | 14.00 USD | 90.00 USD |
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):
| 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) | 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% |
Other Customer 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. | 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 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. | 12.00 EUR (per item) |
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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