PayPal Consumer Fees

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

In an effort to provide customers access to critical funds, PayPal will be temporarily waiving some of its fees for customers sending funds to Ukrainian PayPal accounts or receiving funds into Ukrainian PayPal accounts until further notice. Exchange rates or fees charged by a customer's card issuer or bank may still apply. Please see the fees for Ukrainian personal accounts page and this Help Center article for updates and more information about our services for Ukrainian customers.

Last Updated: 19, October 2023

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 in the European Economic Area (EEA).

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.

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.

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

Belgium (BE)

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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

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 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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Receiving and Sending Donations

When you accept the User Agreement or the PayPal Fundraisers 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

Transaction TypeRate
Donation3.40% + fixed fee
QR code Transactions – 10.01 EUR and aboveCommercial Transaction rates apply
QR code Transactions – 10.00 EUR and belowCommercial Transaction rates apply
PayPal Fundraisers (Listed Fundraisers)Commercial Transaction rates apply
PayPal Fundraisers (Unlisted Fundraisers)No fee

Receiving international donations

The applicable fee for receiving domestic donations applies plus the additional percentage-based fee for international donations.

Additional percentage-based fee for international donations

Where sender’s market/region isFee
EEANo fee
All other markets1.99%

Fixed fee for donations (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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Standard rate for sending domestic donations

Payment TypeRate
PayPal Fundraisers (Unlisted Fundraisers)Sending and Receiving Money Rates (i.e., sending domestic personal transactions rates)
All Other DonationsNo Fee

Standard rate for sending international donations

The applicable fee for sending domestic donations applies plus the applicable additional percentage-based fee for international donations (international fee).

Payment TypeRate
PayPal Fundraisers (Unlisted Fundraisers)Sending and Receiving Money Rates (i.e., sending international personal transactions rates)
All Other DonationsNo Fee (when no currency conversion is involved)

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 donation or 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

No fee (when no currency conversion is involved)

Sending international personal transactions

Market of recipient’s addressRate
Canada, Europe I, Europe II, Northern Europe, & US1.99 EUR
Any other market/region3.99 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

No fee (when no currency conversion is involved)

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Currency Conversions

For information about how we convert currency, please see the user agreement.

Please access the Currency Converter tool below to indicate the applicable rate that may apply to your transaction. Any rates shown are subject to change based on time and date of the completed transaction.

Currency Converter Tool

Converting balance for a business account and transactions for which a receiver has agreed to bear the currency conversion

3.0 % above the base exchange rate

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Withdrawals Out of PayPal

You can typically withdraw money out of PayPal by standard withdrawals/transfers to your linked bank account or eligible debit 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 toWithdrawal/Transfer TypeRate
Local bank accountStandardNo Fee (when no currency conversion is involved)
Instant1.00 % of amount transferred
US bank accountStandard3.00 % (when no currency conversion is involved)

Minimum and maximum fees

Based on withdrawal currency:

CurrencyMinimum FeeMaximum Fee
Afghan Afghani 25.00 AFN1,050.00 AFN
Armenian dram135.00 AMD5250.00 AMD
Australian dollar0.25 AUD10.00 AUD
Azerbaijan manat0.45 AZN17.50 AZN
Bahraini dinar0.10 BHD4.00 BHD
Bangladeshi Taka22.00 BDT880.00 BDT
Belizean dollar0.50 BZD20.00 BZD
Bulgarian lev0.50 BGN20.00 BGN
Canadian dollar0.25 CAD10.00 CAD
CFA franc135.00 XOF5400.00 XOF
Czech koruna5.70 CZK230.00 CZK
Danish krone1.80 DKK70.00 DKK
Eritrean Nakfa3.75 ERN150.00 ERN
Euro0.25 EUR10.00 EUR
Ghanaian Cedi1.55 GHS62.50 GHS
Haitian Gourde25.00 HTG1,000.00 HTG
Hong Kong dollar2.00 HKD80.00 HKD
Hungarian forint70.00 HUF2900.00 HUF
Iraqi Dinar365.00 IQD14,500.00 IQD
Israeli new shekel1.00 ILS40.00 ILS
Japanese yen30.00 JPY1100.00 JPY
Jordanian dinar0.20 JOD7.25 JOD
Kuwaiti dinar1 KWDNo Max
Kyrgyzstani som22.50 KGS850.00 KGS
Lebanese Pound380.00 LBP15,250.00 LBP
Lesotho Loti4.00 LSL160.00 LSL
Liberian Dollar37.50 LRD1,500.00 LRD
Macanese Pataca2.00 MOP80.00 MOP
Malaysian ringgit1.00 MYR40.00 MYR
Mauritanian Ouguiya9 MRU360.00 MRU
Mexican peso5.00 MXN200.00 MXN
Mozambican metical20.00 MZN750.00 MZN
Myanmar Kyat450.00 MMK18,000.00 MMK
New Zealand dollar0.40 NZD15.00 NZD
Norwegian krone 1.00 NOK40.00 NOK
Omani rial0.10 OMR4.00 OMR
Pakistani Rupee45.00 PKR1,800.00 PKR
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
Rwandan franc250.00 RWF10,000.00 RWF
Salvadoran Colón2.25 SVC90.00 SVC
São Tomé And Príncipe Dobra5.50 STN220.00 STN
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
Tunisian dinar0.75 TND27.50 TND
Turkish lira3.50 TRY140.00 TRY
Turkmenistani Manat1.00 TMT40.00 TMT
Ugandan shilling930.00 UGX37,500.00 UGX
United Arab Emirates dirham0.90 AED36.70 AED
UK pounds sterling0.20 GBP8.00 GBP
US dollar0.25 USD10.00 USD
Uzbekistani Som3,000.00 UZS120,000.00 UZS
Venezuelan bolivar2,000,000.00 VES60,000,000.00 VES
Zambian kwacha5.50 ZMW215.00 ZMW
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 Withdrawal/Transfer out of PayPalThis fee is charged when a withdrawal/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.
Inactive PayPal AccountThe inactivity fee will be the lesser of the fee listed below or the remaining balance in your account.See Inactive PayPal Account Fee 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)
Reversal or failed direct debit paymentThe fee is based on our losses. You remain entitled to demonstrate that our losses were below the amount of the fee.3.00 EUR

Credit Card and Debit Card Link and Confirmation Table

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
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

Inactive PayPal Account Table

Czech koruna270.00 CZK
Danish krone75.00 DKK
Euro10.00 EUR
Hungarian forint3600.00 HUF
Norwegian krone105.00 NOK
Polish zloty45.00 PLN
Swedish krona100.00 SEK
Swiss franc10.00 CHF
UK pounds sterling9.00 GBP

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