Last updated: April 19th, 2018

Buying is free within the US.

Buying online or in-store purchases

We don't think it makes any sense to charge you fees for buying online or in-store in the US. Spend freely (but wisely).

Selling is 2.9% + $0.30 per sale.

That's a small price to pay for accepting major forms of payment from any of the million active customers worldwide. There are no hidden PayPal fees. You don't have to pay anything until you get paid for selling something. Our rates are some of the most competitive in the industry – keeping you in business and your customers happy.

More about PayPal merchant fees

Sales within the US 2.9% + $0.30 per transaction
Discounted rate for eligible charities 2.2% + $0.30 per transaction
International sales 4.4% transaction fee plus a fixed fee based on currency received
PayPal HereTM card reader 2.7% when you swipe a card or 3.5% plus $0.15 for manually entered transactions

Transferring balance from Personal Accounts.

If you are a U.S. PayPal account holder, you can transfer money out of your balance in two ways.* Transfers made using your linked bank account are always free and are usually deposited the next business day.** Now, with Instant Transfer, for a low fee you can transfer funds to your bank account even faster using your eligible debit card. Transfers using a debit card are typically completed in minutes. *** You can choose between your linked bank account(s) and any eligible debit cards when you make a transfer. Eligible debit cards include Visa and MasterCard debit that participate in Instant Transfers. Participation of these cards is driven by the card issuer.

Linked bank account Free
Instant Transfer with eligible linked debit card $0.25 per transfer****

Instant Transfer Withdrawal Limits for Personal Accounts

  • Up to $5,000 per transaction
  • Up to $5,000 per day
  • Up to $5,000 per week
  • Up to $15,000 per month

Sending money to friends and family.

We’ll always post the current fees for sending money to friends and family on this page, and we will disclose the fees to you in advance each time you initiate a transaction to send money to a friend or family member. These fees may change from time to time, and most changes to these fees will be deemed effective at the time and date of posting. If these fees ever increase, we will provide you 30 days advance notice on our Policy Updates page. You must have or open a PayPal account to send or receive money.

Sending in the U.S.

If you are a U.S. PayPal account holder sending money to a friend or family member with a PayPal account in the U.S., you may pay a fee, depending on how you pay.

Payment method: Fees:
Funded by your PayPal balance or a bank account linked to your PayPal account. Fee is waived.
Funded by a credit card, debit card or PayPal Credit. 2.9% of the amount funded this way, plus a fixed fee (from the table below) based on the currency of the transaction.

Sending to other countries.

If you are a U.S. PayPal account holder sending money to a friend or family member with a PayPal account in a country other than the U.S., you may pay a fee depending on how you pay and which country the recipient’s account is in.

Payment method:
Funded by your PayPal balance or a bank account linked to your PayPal account.
Country of recipient’s account: Fees:
Canada & Europe* $2.99 USD†
any other country $4.99 USD†
Payment method:
Funded by a credit card, debit card or PayPal Credit.
Country of recipient’s account: Fees:
Canada & Europe* $2.99 USD† + 2.9% of the transaction amount funded this way plus a fixed fee (from the table below) based on currency.
any other country $4.99 USD† + 2.9% of the transaction amount funded this way plus a fixed fee (from the table below) based on currency.

Fixed fees for sending in other currencies.

Currency Fee
Australian Dollar: 0.30 AUD
Brazilian Real: 0.60 BRL
Canadian Dollar: 0.30 CAD
Czech Koruna: 10.00 CZK
Danish Krone: 2.60 DKK
Euro: 0.35 EUR
Hong Kong Dollar: 2.35 HKD
Hungarian Forint: 90 HUF
Israeli Shekel: 1.20 ILS
Japanese Yen: 40 JPY
Malaysian Ringgit: 2.00 MYR
Mexican Peso: 4.00 MXN
Currency Fee
New Zealand Dollar: 0.45 NZD
Norwegian Krone: 2.80 NOK
Philippine Peso: 15.00 PHP
Polish Zloty: 1.35 PLN
Russian Ruble: 10 RUB
Singapore Dollar: 0.50 SGD
Swedish Krona: 3.25 SEK
Swiss Franc: 0.55 CHF
Taiwan New Dollar: 10.00 TWD
Thai Baht: 11.00 THB
U.K. Pounds Sterling: 0.20 GBP
U.S. Dollar: 0.30 USD