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. You can also view these changes 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 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.
Rates published below apply to PayPal accounts of residents of the following country/territory:
|United States (US)|
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.
|Purchase or sale amount||Fee|
|1.00 – 24.99 USD||0.50 USD|
|25.00 – 100.00 USD||2.30%|
|100.01 – 200.00 USD||2.00%|
|200.01 – 1000.00 USD||1.80%|
|1000.01 USD +||1.50%|
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.
|PayPal balance or a bank account||No Fee|
|Cards||2.90% + fixed fee|
|PayPal balance or a bank account||5.00%|
|Cards||5.00% + 2.90% + fixed fee|
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.
|No fee (when no currency conversion is involved)|
|Australian dollar||0.30 AUD|
|Brazilian real||0.60 BRL|
|Canadian dollar||0.30 CAD|
|Czech koruna||10.00 CZK|
|Danish krone||2.60 DKK|
|Hong Kong dollar||2.35 HKD|
|Hungarian forint||90.00 HUF|
|Israeli new shekel||1.20 ILS|
|Japanese yen||40.00 JPY|
|Malaysian ringgit||2.00 MYR|
|Mexican peso||4.00 MXN|
|New Taiwan dollar||10.00 TWD|
|New Zealand dollar||0.45 NZD|
|Norwegian krone||2.80 NOK|
|Philippine peso||15.00 PHP|
|Polish zloty||1.35 PLN|
|Russian ruble||10.00 RUB|
|Singapore dollar||0.50 SGD|
|Swedish krona||3.25 SEK|
|Swiss franc||0.55 CHF|
|Thai baht||11.00 THB|
|UK pounds sterling||0.20 GBP|
|US dollar||0.30 USD|
PayPal offers two types of balance accounts commonly referred to as PayPal Cash and PayPal Cash Plus.
For more information and a complete listing of fees associated, please refer to the PayPal Cash and PayPal Cash Plus Terms and Conditions.
|Type of Transaction||Currency Conversion Spread|
|4.00%, or such other amount as may be disclosed to you during the transaction.|
|3.00%, or such other amount as may be disclosed to you during the transaction.|
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.
|Transfer to||Transfer Type||Rate|
|Bank account||Local Account||No Fee (when no currency conversion is involved)|
|Instant||1.00% of amount transferred |
|Cards||Instant||1.00% of amount transferred|
|Checks||Have a paper check mailed to you||1.50 USD|
|Frequency||Maximum (up to)|
|Per transaction||25,000.00 USD|
|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|
|US dollar||10.00 USD|
Included below are fees associated with events, requests, or actions that may happen when you use your account.
|Bank Return on Transfer out of PayPal||This 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.||No Fee|
|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|
|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|