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 acustomer's card issuer or bank may still apply. Please see the fees for Ukrainian personalaccounts page and this Help Center article for updates and more information about ourservices for Ukrainian customers.

Last Updated: 16, January 2024

You can find details about changes to our rates and fees and when they will apply on our Policy
Updates Page or as otherwise required by the user agreement. You can also get to the Policy
Updates Page 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 oridentified by PayPal as residents of the same market.

International: A transaction occurring when the sender and receiver are registered with oridentified by PayPal as residents of different markets. Certain markets are grouped together whencalculating international transaction rates. For a listing of our groupings, please access ourMarket/Region Grouping Table.

Market Code Table: We may refer to two-letter market codes throughout our fee pages. For acomplete 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:

United States (US)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

Rate

No Fee (when no currency conversion is involved)

Selling with PayPal

When you accept the User Agreement to buy or sell goods or services or make any othercommercial type of transaction, we call that a "commercial transaction".

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

Buying, Selling, and Transferring
Cryptocurrencies

Buying or selling a cryptocurrency

There’s a fee for buying or selling cryptocurrencies ("crypto"). The fee will vary based on the USD
value of your crypto purchase or sale amount.

The exchange rate you'll see before buying or selling crypto will also include a cryptocurrency
conversion spread. There's no fee for holding crypto in your account.

Purchase or sale amountFee

1.00 – 4.99 USD

0.49 USD

5.00 – 24.99 USD

0.99 USD

25.00 – 74.99 USD

1.99 USD

75.00 – 200.00 USD

2.49 USD

200.01 – 1000.00 USD

1.80%

1000.01 USD +1.50%

The fees above do not apply to buying and selling PYUSD

Converting between PYUSD and Another Cryptocurrency

There’s a fee to convert PYUSD to/from another type of crypto, the fee will vary based on the USD
value of the crypto you convert.

Convert amountFee

1.00 – 9.99 USD

0.49 USD

10.00 – 29.99 USD

0.99 USD

30.00 – 79.99 USD

1.99 USD

Convert amountFee

80.00 – 249.99 USD

2.49 USD

250.00 – 1000.00 USD

1.75%

1000.01 USD +1.45%

Transferring a cryptocurrency

Transfer TypeFee

Receiving a crypto transfer

No feeTransferring crypto toanother PayPal or Venmo

No Feeaccount

You will be charged a cryptocurrency network fee, payable inTransferring crypto to an

the crypto you transfer, which varies. For details on theaddress outside of PayPal ornetwork fee, see the PayPal Cryptocurrency Terms andVenmoConditions. We will display such network fee right before youtransfer any crypto.

Using PayPal as a funding

When you buy crypto to be transferred in one step, you willsource to buy and transfer

also be charged a cryptocurrency network fee, payable in thecrypto in one step tocrypto you transfer. The crypto amount to be transferred inexternal cryptocurrency

one step to an external wallet plus the crypto amount you will

wallet providers who

be charged to cover the cryptocurrency network fee is thesupport this feature"combined cryptocurrency purchase amount." We will display
the network fee right before you transfer any crypto.

For crypto other than PYUSD, you will pay (1) the transaction
fee listed in the "Buying or selling a cryptocurrency" table
above on the USD value of the combined cryptocurrency
purchase amount and (2) 1% only on the USD value of thecrypto that you transfer to your external wallet.

Transfer TypeFeeFor PYUSD, you will pay 1.5% on the USD value of the PYUSD
that you transfer to your external wallet. You will not pay atransaction fee on the combined cryptocurrency purchaseamount.

When you transfer and sell crypto out of a supported external
cryptocurrency wallet in one step, you will pay a transaction
fee on the USD value of the crypto you are selling.

For crypto other than PYUSD, you will pay (1) the transaction
Using PayPal to transfer andfee listed in the "Buying or selling a cryptocurrency" tablesell crypto out of supported

above and (2) 1% only on the USD value of the crypto thatexternal cryptocurrency

you receive from your external wallet.
wallets in one step

For PYUSD, you will pay 1.5% on the USD value of the PYUSD
that you receive from your external wallet. You will not pay atransaction fee listed in the "Buying or selling acryptocurrency" table above.

Receiving and Sending Donations

When you accept the User Agreement or the PayPal Fundraisers Terms and Conditions to sendor receive funds using one of the payment types listed below, we call that a "donation". Funds sentor received through other products or services (not set out below) are not "donations" eligible fordonations pricing. In such cases, the applicable transaction rates will apply and will be subject tothe fees disclosed for such products or services on the applicable fees page.

Standard rate for receiving domestic donations

Payment Type

Rate

Donate Button

2.89% + fixed fee

Payment Type

Rate

PayPal Fundraisers (Listed Fundraisers)

2.99%

PayPal Fundraisers (Unlisted Fundraisers)

No FeePayPal Checkout for Donations

2.89% + fixed 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

Payment Type

RateAll Donations

1.50%

Fixed fee for donations (based on currency received)

Currency

Fee

Australian dollar

0.59 AUD

Brazilian real2.90 BRL

Canadian dollar

0.59 CAD

Czech koruna

9.00 CZKDanish krone

2.90 DKKEuro

0.39 EUR

Currency

Fee

Hong Kong dollar

3.79 HKD

Hungarian forint

149.00 HUF

Israeli new shekel

1.60 ILSJapanese yen

49.00 JPY

Malaysian ringgit

2.00 MYR

Mexican peso

9.00 MXN

Currency

Fee

New Taiwan dollar

14.00 TWDNew Zealand dollar

0.69 NZDNorwegian krone

3.90 NOK

Philippine peso

25.00 PHP

Polish zloty

1.89 PLN

Russian ruble

39.00 RUB

Singapore dollar

0.69 SGD

Swedish krona

4.09 SEK

Swiss franc

0.49 CHF

Thai baht

15.00 THB

UK pounds sterling

0.39 GBP

US dollar

0.49 USD

Standard rate for sending domestic donations

Payment TypeRate

PayPal Fundraisers (Unlisted

Sending and Receiving Money Rates (i.e., sendingFundraisers)

domestic personal transactions rates)

All Other Donations

No FeeStandard rate for sending international donations

The applicable fee for sending domestic donations applies plus the applicable additional percentagebased fee for international donations (international fee).

Payment Type

Rate

PayPal Fundraisers (Unlisted

Sending and Receiving Money Rates (i.e., sendingFundraisers)

international personal transactions rates)

All Other Donations

No Fee (when no currency conversion is needed)

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 orservices 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

Payment method

Fee

PayPal balance or a bank accountNo feeCards

2.90% + fixed fee

Amex Send™

No feeAccount

Visa+ transaction to Venmo Visa+-enabled digital wallets

No fee1.75%

Visa+ transaction to non-Venmo Visa+-enabled digital

A minimum fee of 0.25 USD

wallets

A maximum fee of 25.00
USD

Sending international personal transactions

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

Payment method

Fee

5.00%

PayPal balance or a bank accountA minimum international fee of 0.99 USD
A maximum international fee of 4.99 USD

5.00%

A minimum international fee of 0.99 USD

Cards

A maximum international fee of 4.99 USDAmex Send™

Account

5.00%

A minimum international fee of 0.99 USD

Payment method

FeeA maximum international fee of 4.99 USD

Fees charged in different currencies for sending payments: We will collect the fee from balance in thecurrency 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.

Receiving personal transactions

RateNo fee (when no currency conversion is involved)

Fixed fee for personal transactions (based on currency received)

CurrencyFee

Australian dollar

0.30 AUD

Brazilian real

0.60 BRL

Canadian dollar

0.30 CAD

Czech koruna

10.00 CZKDanish krone

2.60 DKKEuro

0.35 EUR

Hong Kong dollar

2.35 HKD

Hungarian forint

90.00 HUF

Israeli new shekel

1.20 ILS

Currency

Fee

Japanese yen

40.00 JPY

Malaysian ringgit

2.00 MYR

Mexican peso

4.00 MXN

CurrencyFee

New Taiwan dollar

10.00 TWDNew Zealand dollar

0.45 NZDNorwegian 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 Balance

PayPal offers a balance holding account commonly referred to as PayPal Balance.

For more information and a complete listing of fees associated, please refer to the PayPal BalanceTerms and Conditions.

Currency Conversions

For any of the following types of transactions involving a currency conversion by PayPal, thetransaction exchange rate will also include a currency conversion spread.

Converting payments in another currency

Type of Transaction

Currency Conversion Spread

Paying for goods or services in a currency otherthan the currency the goods or services are listedin.
Sending money to a friend or family member such

4.00%, or such other amount asthat they receive a different currency from the

may be disclosed to you during thecurrency in which you pay.

transaction.

Sending money using PayPal Payouts such thatyour recipients receive a different currency fromthe currency in which you pay.

3.00%, or such other amount as
All other transactions

may be disclosed to you during thetransaction.

Withdrawals Out of PayPal

You can typically withdraw money out of PayPal by standard withdrawals/transfers to your linkedbank account or eligible cards. A currency conversion (and currency conversion fees) may alsoapply.

Note: For additional listings of transfer rates out of business accounts, please visit our PayPal
Merchant Fees Page.

Withdrawing from a PayPal personal accountWithdrawal/Transfer

Withdrawal/TransfertoTypeRateStandard
No Fee (when no currency conversion isWith eligible linkedinvolved)bank accountBank account1.75% of amount transferred
Instant

Minimum and Maximum fees apply
Withdrawal limits
based on the card withdrawal
apply
currency, in the table below

CardsStandard

With eligible linked
No Fee (when no currency conversion isdebit card
involved)
Withdrawal limits
apply

Instant

1.75% of amount transferredWithdrawal/Transfer

Withdrawal/Transferto

Type

Rate

With eligible linked

Minimum and Maximum fees apply

debit card

based on the card withdrawal

Withdrawal limits

currency, in the table below

apply

1.50 USD (Fee only applies to PayPal
Have a paper checkpersonal accounts without a linkedChecks

mailed to you
PayPal Balance account)

Withdrawal Limits – Instant Transfer for Bank

Frequency

Maximum (up to)

Per transaction

25,000.00 USD

Withdrawal Limits – Standard and Instant Transfers for Cards

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

Minimum and Maximum fees – Instant Transfer

Based on withdrawal currency:

Currency

Minimum Fee

Maximum Fee

US dollar

0.25 USD

25.00 USD

Other Consumer Fees

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

Other Fees

Activity

Description

Rate

This fee is charged when aBank Return on

withdrawal/transfer out of PayPal isWithdrawal/Transfer

attempted by a user and it fails because

out of PayPal

incorrect bank account information orNo Feedelivery information is provided.

Some users, in order to increase their
sending limit or as PayPal may determine,
See Credit Card andmay be charged a credit card and debit
Debit Card Link andCredit Card and Debit

card link and confirmation fee. This
Confirmation Table

Card Confirmation(s)amount will be refunded when you
below.
successfully complete the credit card ordebit card verification process.

PayPal Business Debit

Use of the PayPal Business Debit

Please see ourMasterCard

MasterCard is subject to eligibility,

PayPal Businessapplication, approval by PayPal and yourDebit MasterCard

acceptance of the terms.

Cardholder

Activity

Description

Rate

Agreement andPrivacy Notice

Please see ourUse of the PayPal Debit MasterCard isPayPal Debit
PayPal Debit

subject to eligibility, application, approval

MasterCardby PayPal and your acceptance of theMasterCard
Cardholder
terms.
Agreement

Credit Card and Debit Card Link and Confirmation Table

Currency

Rate

Australian dollar

2.00 AUD

Brazilian real

4.00 BRL

Canadian dollar

2.45 CAD

Czech koruna

50.00 CZKDanish krone

12.50 DKKEuro

1.50 EUR

Hong Kong dollar

15.00 HKD

Hungarian forint

400.00 HUF

Israeli new shekel

8.00 ILSJapanese yen

200.00 JPY

Malaysian ringgit

Not Applicable

Mexican peso

20.00 MXN

Currency

Rate

New Taiwan dollar

70.00 TWDNew Zealand dollar

3.00 NZDNorwegian krone

15.00 NOK

Philippine peso

100.00 PHPPolish zloty

6.50 PLNRussian 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