Buying and sending money can be easy, fast, and secure when using PayPal.
You can find details about changes to our rates and fees and when they will apply on our Policy Updates Page. Changes expected to be published on immediate notice, can also be reviewed 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 markets.
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.
Rates published below apply to PayPal accounts of residents of the following market/region:
It’s free to use PayPal to pay for a purchase or any other type of commercial transaction unless it involves a currency conversion.
|No Fee (when no currency conversion is involved)|
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.
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.
|No fee (when no currency conversion is involved)|
|Market of recipient’s address||Rate|
|Canada, Europe I, Europe II, Northern Europe, & US||1.99 EUR|
|Any other market/region||3.99 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.
|No fee (when no currency conversion is involved)|
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
|3.00% above the base exchange rate|
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.
|Bank Account||No Fee (when no currency conversion is involved)|
Included below are fees associated with events, requests, or actions that may happen when you use your account.
|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 information or delivery information is provided.||See Bank Return on Transfer out of PayPal Table below.|
|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)|
|Users registered in the Eurozone||3.00 EUR|
|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|
|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|
|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|