PayPal Consumer Fees

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

Last Updated: 24, November 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’.

All information regarding fees for Australian customers is available in our Combined Financial Services Guide and Product Disclosure Statement (CFSGPDS). To the extent there is any inconsistency between this page, and the CFSGPDS, the latter will prevail.

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.

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/

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

Country/Territory list

Australia (AU)

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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

No Fee (when no currency conversion is involved)

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Selling with PayPal

When you buy or sell goods or services, make any other commercial type of transaction, send or receive a charity donation or receive a payment when you “request money” using PayPal, we call that a “commercial transaction”.

For the listings of selling rates, please visit our PayPal Merchant Fees Page.

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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

Funding SourceRate (of send amount)
PayPal Balance or an AU Bank AccountNo fee (when no currency conversion is involved)
Cards (any portion funded)2.60% + Fixed Fee (when no currency conversion is involved)

Sending international personal transactions

Country of recipient’s addressFunding SourceRate (of send amount)
Any other country/territory (where available)PayPal Balance or an AU Bank Account5.00%
  • a minimum charge of 0.99 AUD
  • a maximum charge of 5.99 AUD
Cards (any portion funded)5.00% + 2.60% + fixed fee
  • a minimum charge of 0.99 AUD
  • a maximum charge of 5.99 AUD

Receiving personal transactions

No fee (when no currency conversion is involved)

Fixed fee for personal transactions (based on currency received)

Australian dollar0.30 AUD
Brazilian real0.60 BRL
Canadian dollar0.30 CAD
Czech koruna10.00 CZK
Danish krone2.60 DKK
Euro0.35 EUR
Hong Kong dollar2.35 HKD
Hungarian forint90.00 HUF
Israeli new shekel1.20 ILS
Japanese yen40.00 JPY
Malaysian ringgit2.00 MYR
Mexican peso4.00 MXN
New Taiwan dollar10.00 TWD
New Zealand dollar0.45 NZD
Norwegian krone2.80 NOK
Philippine peso15.00 PHP
Polish zloty1.35 PLN
Russian ruble10.00 RUB
Singapore dollar0.50 SGD
Swedish krona3.25 SEK
Swiss franc0.55 CHF
Thai baht11.00 THB
UK pounds sterling0.20 GBP
US dollar0.30 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 payments when received in another currency

4.00% 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 AUD):

3.00% above the base exchange rate (to form the transaction exchange rate)

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Transfers Out of PayPal

You can typically transfer money out of PayPal by standard 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.

Transferring balance from a personal PayPal account

Transfer toTransfer TypeRate
Bank accountWithdrawals made to your U.S. account3.00% (when no currency conversion is involved)
CardsStandard1.00% of amount transferred

Minimum and maximum fees

Based on withdrawal currency:

CurrencyMinimum FeeMaximum Fee
Australian dollar0.25 AUD10.00 AUD
Bulgarian lev0.50 BGN20.00 BGN
Canadian dollar0.25 CAD10.00 CAD
Croatian kuna2.00 HRK70.00 HRK
Czech koruna5.70 CZK230.00 CZK
Danish krone1.80 DKK70.00 DKK
Euro0.25 EUR10.00 EUR
Hong Kong dollar2.00 HKD80.00 HKD
Hungarian forint70.00 HUF2900.00 HUF
Israeli new shekel1.00 ILS40.00 ILS
Japanese yen30.00 JPY1100.00 JPY
Kuwaiti dinar1.00 KWDNo Max
Malaysian ringgit1.00 MYR40.00 MYR
Mexican peso5.00 MXN200.00 MXN
New Zealand dollar0.40 NZD15.00 NZD
Norwegian krone1.00 NOK40.00 NOK
Philippine peso10.00 PHP500.00 PHP
Polish zloty1.00 PLN40.00 PLN
Qatari rial1.00 QAR40.00 QAR
Romania new lei1.00 RON40.00 RON
Russian ruble20.00 RUB700.00 RUB
Serbian dinar25.00 RSD1000.00 RSD
Singapore dollar0.50 SGD15.00 SGD
South African rand3.60 ZAR145.00 ZAR
Sri Lanka rupee50.00 LKR1800.00 LKR
Swedish krona2.50 SEK100.00 SEK
Thai baht8.00 THB320.00 THB
Turkish lira1.50 TRY60.00 TRY
United Arab Emirates dirham0.90 AED36.70 AED
UK pounds sterling0.20 GBP8.00 GBP
US dollar0.25 USD10.00 USD
ALL Other CurrenciesNo MinNo Max

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Other Consumer Fees

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

Other Fees

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.5.00 AUD
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.10.00 AUD (per item)
Security Key CardThis is an electronic device that creates a unique security code that you use to log in to your PayPal account.32.95 AUD (per card)

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