PayPal Consumer Fees
Buying and sending money can be easy, fast, and secure when using
PayPal.
Last Updated: 21, March 2022
You can find details about changes to our rates and fees and when they will apply on our Policy Updates
Page or as otherwise required by the user agreement. You can also get to the Policy Updates Page by
clicking ‘Legal’ at the bottom of any webpage 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 market.
International: A transaction occurring when the sender and receiver are registered with or identified by
PayPal as residents of different markets. Certain markets are grouped together when calculating
international transaction rates. For a listing of our groupings, please access our Market/Region
Grouping Table.
Market Code Table: We may refer to two-letter market codes throughout our fee pages. For a
complete listing of PayPal market codes, please access our Market Code Table.
Relevant Market/Region
Rates published below apply to PayPal accounts of residents of the following market/region:
Market/Region list
United States (US)
Buying with PayPal
It’s free to use PayPal to donate or 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 accept the User Agreement to buy or sell goods or services or make any other commercial type
of transaction, we call that a “commercial transaction”.
For the listings of selling rates, please visit our PayPal Merchant Fees Page.
Buying and Selling Cryptocurrencies
The transaction fees are based on how much cryptocurrency (“crypto”) you buy or sell. The exchange rate
you’ll see before buying or selling crypto will also include a cryptocurrency conversion spread. There’s no
fee for holding crypto in your account.
Purchase or sale amount
Fee
1.00 - 4.99 USD
0.49 USD
5.00 – 24.99 USD
0.99 USD
25.00 – 74.99 USD
1.99 USD
75.00 - 200.00 USD
2.49 USD
200.01 – 1000.00 USD
1.80%
1000.01 USD +
1.50%
Receiving Donations
When you accept the User Agreement or the Generosity Network Terms and Conditions to send or receive
funds (using one of the payment types listed below), we call that a “donation”. Funds sent or received
through other products or services (not set out below) are not “donations” eligible for donations pricing.
In such cases the applicable transaction rates will apply and will be subject to the fees disclosed for such
products or services on the applicable fees page.
Standard rate for receiving domestic donations
Payment Type
Rate
Donate Button
2.89% + fixed fee
Generosity Network
2.89% + fixed fee
PayPal Checkout for Donations
2.89% + fixed fee
Receiving international donations
The fee for receiving domestic donations applies plus the additional percentage-based fee for
international donations.
Additional percentage-based fee for international donations
Payment Type
Rate
All Donations
1.50%
Fixed fee for donations (based on currency received)
Currency
Currency
Fee
Australian dollar
New Taiwan dollar
14.00 TWD
Brazilian real
New Zealand dollar
0.69 NZD
Canadian dollar
Norwegian krone
3.90 NOK
Czech koruna
Philippine peso
25.00 PHP
Danish krone
Polish zloty
1.89 PLN
Euro
Russian ruble
39.00 RUB
Hong Kong dollar
Singapore dollar
0.69 SGD
Hungarian forint
Swedish krona
4.09 SEK
Israeli new shekel
Swiss franc
0.49 CHF
Japanese yen
Thai baht
15.00 THB
Malaysian ringgit
UK pounds sterling
0.39 GBP
Mexican peso
US dollar
0.49 USD
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
Payment method
Fee
PayPal balance or a bank account
Fee is waived
Cards
2.90% + fixed fee
Amex Send™ Account
Fee is waived
Sending international personal transactions
The fee for sending domestic transactions applies plus the additional percentage-based fee for
international transactions (international fee).
Payment method
Fee
PayPal balance or a bank account
5.00%
• A minimum international fee of 0.99 USD
• A maximum international fee of 4.99 USD
Cards
5.00%
• A minimum international fee of 0.99 USD
• A maximum international fee of 4.99 USD
Amex Send™ Account
5.00%
• A minimum international fee of 0.99 USD
• A maximum international fee of 4.99 USD
Fees charged in different currencies for sending payments: We will collect the fee from balance in the currency in which the fee is listed. To do
this, we may need to convert the fee amount from your sending balance into the currency in which the fee is listed, 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)
Fixed fee for personal transactions (based on currency received)
Currency
Currency
Fee
Australian dollar
New Taiwan dollar
10.00 TWD
Brazilian real
New Zealand dollar
0.45 NZD
Canadian dollar
Norwegian krone
2.80 NOK
Czech koruna
Philippine peso
15.00 PHP
Danish krone
Polish zloty
1.35 PLN
Euro
Russian ruble
10.00 RUB
Hong Kong dollar
Singapore dollar
0.50 SGD
Hungarian forint
Swedish krona
3.25 SEK
Israeli new shekel
Swiss franc
0.55 CHF
Japanese yen
Thai baht
11.00 THB
Malaysian ringgit
UK pounds sterling
0.20 GBP
Mexican peso
US dollar
0.30 USD
PayPal Balance
PayPal offers a balance holding account commonly referred to as PayPal Balance.
For more information and a complete listing of fees associated, please refer to the PayPal Balance Terms
and Conditions.
Currency Conversions
For any of the following types of transactions involving a currency conversion by PayPal, the transaction
exchange rate will also include a currency conversion spread.
Converting payments in another currency
Type of Transaction
Currency Conversion Spread
• Paying for goods or services in a currency
other than the currency the goods or services
are listed in.
• Sending money to a friend or family member
such that they receive a different currency
from the currency in which you pay.
• Sending money using PayPal Payouts such
that your recipients receive a different
currency from the currency in which you pay.
4.00%, or such other amount as may be disclosed
to you during the transaction.
• All other transactions
3.00%, or such other amount as may be disclosed
to you during the transaction.
Withdrawals Out of PayPal
You can typically withdraw money out of PayPal by standard withdrawals/transfers to your linked bank
account or eligible cards. 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.
Withdrawing a balance from a personal PayPal account
Withdrawal/Transfer to
Withdrawal/Transfer Type
Rate
Bank account
Local Account
• With eligible linked bank
account
No Fee (when no currency
conversion is involved)
Instant
• Withdrawal limits apply
1.50% of amount transferred
• Minimum and Maximum
fees apply based on the
card withdrawal currency,
in the table below
Cards
Instant
• With eligible linked debit
card
• Withdrawal limits apply
1.50% of amount transferred
• Minimum and Maximum
fees apply based on the
card withdrawal currency,
in the table below
Checks
Have a paper check mailed to you
1.50 USD
Withdrawal Limits – Instant Transfer for Bank
Frequency
Maximum (up to)
Per transaction
25,000.00 USD
Withdrawal Limits – Instant Transfer for Cards
Frequency
Maximum (up to)
Per transaction
5000.00 USD
Per day
5000.00 USD
Per week
5000.00 USD
Per month
15,000.00 USD
Minimum and Maximum fees – Instant Transfer
Based on withdrawal currency:
Currency
Minimum Fee
Maximum Fee
US dollar
0.25 USD
15.00 USD
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
Withdrawal/Transfer out of PayPal
This fee is charged when a
withdrawal/transfer out of PayPal
is attempted by a user and it fails
because incorrect bank account
No Fee
information or delivery information
is provided.
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.
PayPal Business Debit MasterCard
Use of the PayPal Business Debit
MasterCard is subject to eligibility,
application, approval by PayPal and
your acceptance of the terms.
Please see our PayPal Business
Debit MasterCard Cardholder
Agreement and Privacy Notice
PayPal Cash MasterCard
Use of the PayPal Cash MasterCard
is subject to eligibility, application,
approval by PayPal and your
acceptance of the terms.
Please see our PayPal Cash
MasterCard Cardholder Agreement
Credit Card and Debit Card Link and Confirmation Table
Currency
Currency
Rate
Australian dollar
New Taiwan dollar
70.00 TWD
Brazilian real
New Zealand dollar
3.00 NZD
Canadian dollar
Norwegian krone
15.00 NOK
Czech koruna
Philippine peso
100.00 PHP
Danish krone
Polish zloty
6.50 PLN
Euro
Russian ruble
60.00 RUB
Hong Kong dollar
Singapore dollar
3.00 SGD
Hungarian forint
Swedish krona
15.00 SEK
Israeli new shekel
Swiss franc
3.00 CHF
Japanese yen
Thai baht
70.00 THB
Malaysian ringgit
UK pounds sterling
1.00 GBP
Mexican peso
US dollar
1.95 USD