PayPal Consumer Fees

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

Last Updated: 19, March 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’.

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.

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.

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 Countries/Territories

Rates published below apply to PayPal accounts of residents of the following countries/territories:

Countries/Territories list

United Kingdom (UK)Gibraltar (GI)Jersey (JE)Romania (RO)
Bulgaria (BG)Greece (GR)Latvia (LV)San Marino (SM)
Cyprus (CY)Guernsey (GG)Liechtenstein (LI)Slovakia (SK)
Czech Republic (CZ)Hungary (HU)Lithuania (LT)Slovenia (SL)
Estonia (EE)Isle of Man (IM)Malta (MT)

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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

Rate
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

Rate
No fee (when no currency conversion is involved)

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Sending international personal transactions by UK, GG, GI, JE, and IM users

RateMinimum/Maximum
5.00% of the transaction amountThe minimum fee is 0.99 GBP and the maximum fee is 2.99 GBP

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Sending international personal transactions by users elsewhere

Country of recipient’s addressRate
Canada, Europe I, Europe II, Northern Europe, & US1.99 EUR
Any other country/territory3.99 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.

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Receiving personal transactions

Rate
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.

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 balance and payments received into another currency

Rate
2.5% above the base exchange rate (to form the transaction exchange rate)

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Conversions in all other cases by UK, GG, GI, JE and IM Users

Rates for all other currency conversions (e.g. when sending payments not in GBP):

CurrencyRate above the base exchange rate
(to form the transaction exchange rate)
CurrencyRate above the base exchange rate
(to form the transaction exchange rate)
Australian dollar (AUD)4.00%New Taiwan dollar (TWD)4.00%
Brazilian real (BRL)4.00%New Zealand dollar (NZD)4.00%
Canadian dollar (CAD)3.75%Norwegian krone (NOK)3.75%
Czech koruna (CZK)3.75%Philippine peso (PHP)4.00%
Danish krone (DKK)3.75%Polish zloty (PLN)3.75%
Euro (EUR)3.75%Russian ruble (RUB)3.75%
Hong Kong dollar (HKD)4.00%Singapore dollar (SGD)4.00%
Hungarian forint (HUF)3.75%Swedish krona (SEK)3.75%
Israeli new shekel (ILS)4.00%Swiss franc (CHF)3.75%
Japanese yen (JPY)4.00%Thai baht (THB)4.00%
Malaysian ringgit (MYR)4.00%UK pounds sterling (GBP)3.75%
Mexican peso (MXN)4.00%US dollar (USD)3.75%

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Conversions in all other cases by Users elsewhere

Rate
4.0% 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 debit cards. Withdrawal to a bank account or a card may not be possible in all countries/territories. 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 toCountry/TerritoryRate
Bank accountAll (where available)No Fee (when no currency conversion is involved)
CardsUK, JE, GG, & IMNo Fee (when no currency conversion is involved)
BG, RO, & SL1% of amount transferred
CY, EE, GI, LI, LT, LV, MT, SK, & SMFixed Fee for card withdrawal applies per withdrawal
Any other country/territory (where available)2.00 EUR

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BG, RO, & SL - Minimum and maximum fees

Based on card 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 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
Swiss franc0.25 CHF10.00 CHF
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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CY, EE, GI, LI, LT, LV, MT, SK & SM - Fixed fee for card withdrawal

Based on card withdrawal currency:

CurrencyFee
Argentinian peso8.00 ARS
Australian dollar3.50 AUD
Brazilian real4.50 BRL
Bulgarian lev3.50 BGN
Canadian dollar3.00 CAD
Chilean peso1200.00 CLP
Croatian kuna15.00 HRK
Cyprus pound1.20 CYP
Czech koruna55.00 CZK
Danish krone15.00 DKK
Estonian krone30.00 EEK
Euro2.00 EUR
Gibraltar pound1.50 GIP
Hong Kong dollar20.00 HKD
Hungarian forint500.00 HUF
Iceland krona170.00 ISK
Indonesian rupiah23000.00 IDR
Indian rupee100.00 INR
Israeli new shekel11.00 ILS
Japanese yen300.00 JPY
Latvian lats1.50 LVL
Lithuanian litas7.00 LTL
Malaysian ringgit8.00 MYR
Maltese lira0.90 MTL
Mexican peso30.00 MXN
New Zealand dollar4.00 NZD
Norwegian krone16.00 NOK
Philippine peso100.00 PHP
Polish zloty8.00 PLN
Romania new lei6.00 RON
Russian ruble150.00 RUB
Singapore dollar4.00 SGD
Slovak koruna70.00 SKK
South African rand20.00 ZAR
Swedish krona18.00 SEK
Swiss franc3.50 CHF
Thai baht90.00 THB
Turkish lira3.80 TRY
United Arab Emirates dirham10.00 AED
UK pounds sterling1.50 GBP
Uruguayan peso50.00 UYU
US dollar2.50 USD
ALL Other CurrenciesNo Fee

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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

ActivityDescriptionRate
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.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 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 GBP or 12.00 EUR (per item)

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Bank Return on Transfer out of PayPal Table

Country/TerritoryRate
UK users0.50 GBP
Czech Republic users200.00 CZK
Hungarian users1500.00 HUF
Users registered in the Eurozone3.00 EUR

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Credit Card and Debit Card Link and Confirmation Table

CurrencyRateCurrencyRate
Australian dollar2.00 AUDNew Taiwan dollar70.00 TWD
Brazilian real4.00 BRLNew Zealand dollar3.00 NZD
Canadian dollar2.45 CADNorwegian krone15.00 NOK
Czech koruna50.00 CZKPhilippine peso100.00 PHP
Danish krone12.50 DKKPolish zloty6.50 PLN
Euro1.50 EURRussian ruble60.00 RUB
Hong Kong dollar15.00 HKDSingapore dollar3.00 SGD
Hungarian forint400.00 HUFSwedish krona15.00 SEK
Israeli new shekel8.00 ILSSwiss franc3.00 CHF
Japanese yen200.00 JPYThai baht70.00 THB
Malaysian ringgitNot ApplicableUK pounds sterling1.00 GBP
Mexican peso20.00 MXNUS dollar1.95 USD

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