PayPal Consumer Fees
Buying and sending money can be easy, fast, and secure whenusing PayPal.

PayPal has expanded its services for Ukrainian customers on a temporary basis to aid inhumanitarian relief. All fees and services described on this page apply to Ukrainian personalaccounts up to and including September 30, 2024 until further notice. In view of the developing
situation in Ukraine, PayPal reserves the right to modify these services at any time and suchmodifications will be effective immediately upon notice being published on our website. Pleasealso see this Help Center article for more information

Domestic: A transaction occurring when both the sender and receiver are registered with or identified
by PayPal as residents of the same market.
International: A transaction occurring when the sender and receiver are registered with or identified byPayPal as residents of different markets. Certain markets are grouped together for ease of reference
when calculating international transaction rates.

Markets/Region Grouping Table
Group Name

Market/Region

European Economic Area (EEA)

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech
Republic, Denmark, Estonia, Finland, France,
French Guiana, Germany, Greece, Guadeloupe,
Hungary, Iceland, Ireland, Italy, Latvia,
Liechtenstein, Lithuania, Luxembourg, Malta,
Martinique, Mayotte, Monaco, Netherlands,
Norway, Poland, Portugal, Reunion, Romania, SanMarino, Slovakia, Slovenia, Spain, Sweden,
Vatican City State.

Europe I

Austria, Belgium, Channel Islands, Cyprus,Estonia, France (including French Guiana,
Guadeloupe, Martinique, Reunion and Mayotte),
Germany, Greece, Ireland, Isle of Man, Italy,
Luxembourg, Malta, Monaco, Montenegro,
Netherlands, Portugal, San Marino, Slovakia,Slovenia, Spain, United Kingdom, Vatican CityState.

Europe II

Albania, Andorra, Belarus, Bosnia andHerzegovina, Bulgaria, Croatia, Czech Republic,Georgia, Hungary, Kosovo, Latvia, Liechtenstein,Lithuania, Macedonia, Moldova, Poland,Romania, Russian Federation, Serbia,
Switzerland, Ukraine.

Northern Europe

Aland Islands, Denmark, Faroe Islands, Finland,Greenland, Iceland, Norway, Sweden.

United Kingdom (UK)

Guernsey, Isle of Man, Jersey, & United Kingdom

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 acomplete listing of PayPal market codes, please access our Market Code Table.

Relevant Markets/Regions
Rates published below apply to PayPal accounts of residents of the following markets/regions:Markets/Regions list
Ukraine (UA)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-storeRateNo Fee (when no currency conversion is involved)

Selling with PayPal
When you buy or sell goods or services, make any other commercial type of transaction, send or receivea 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.

Sending and receiving payments
When you send funds (initiated from the “Friends and Family” tab of the “Send” flow) to, or receive funds
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 commercialtransaction), we call that a “personal transaction”.
Personal transactions are limited in availability and may not be available in some countries. If you use
your credit card as the payment method for a personal transaction, you may be charged a cash-advancefee by your credit card company.

The rates relating to personal transactions are set out below.

Sending domestic personal transactions
Payment Method
PayPal Balance or Bank accountSender Market/Region
Where available

Rate
No Fee (when no currency
conversion is involved)

Cards

Where available

No Fee (when no currencyconversion is involved)

Personal payments: If you use another payment method to partially fund the payment, the fee will be pro-rated.

Sending international personal transactions
Payment Method
PayPal Balance or Bank
account

Cards

Sender Market/Region
UAUA

Recipient Market/Region
Canada, Europe I, Europe
II, Northern Europe, & US

Rate
1.99 EUR

Any other market
Canada, Europe I, EuropeII, Northern Europe, & US
Any other market

3.99 EUR
1.99 EUR + 3.4% + fixedfee
3.99 EUR + 3.4% + fixedfeePersonal 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 “Currency Conversions” also apply. If
you use another payment method to partially fund the payment, the fee will be pro-rated.

Fixed fee for personal transactions (based on currency received)
Currency
Australian dollar
Brazilian real
Canadian dollar
Czech koruna
Danish krone
EuroHong Kong dollar
Hungarian forint
Israeli new shekel
Japanese yen
Malaysian ringgit
Mexican pesoFee0.30 AUD
0.60 BRL
0.30 CAD
10.00 CZK
2.60 DKK
0.35 EUR
2.35 HKD
90.00 HUF
1.20 ILS
40.00 JPY
2.00 MYR
4.00 MXN

Receiving personal transactions
Rate
No Fee (when no currency conversion is involved)

Currency
New Taiwan dollar
New Zealand dollar
Norwegian krone
Philippine peso
Polish zloty
Russian ruble
Singapore dollarSwedish krona
Swiss franc
Thai baht
UK pounds sterling
US dollarFee
10.00 TWD
0.45 NZD
2.80 NOK
15.00 PHP
1.35 PLN
10.00 RUB
0.50 SGD
3.25 SEK
0.55 CHF
11.00 THB
0.20 GBP
0.30 USD

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:

Conversions when sending payments or receiving refund(s)For any currency conversions that occur when making personal payments or commercial transactions andreceiving a refund beyond 1 day of the date of the original payment.
Market/Region

Rate
4.0%

UkraineConverting balance, transfers, and payments received into anothercurrency
For any currency conversions that occur when receiving other payments (including PayPal Payouts),
adding funds to your PayPal account, transferring funds to your bank/card account, and when transferring
funds between your PayPal balances if held in different currencies.
Market/Region

Rate
No FeeUkraineConversions in all other cases
Rates for all other currency conversions:Rate3.0%

Withdrawals Out of PayPal
You can typically withdraw money out of PayPal by standard withdrawals/transfers to your linked bankaccount or eligible cards. Withdrawal to a bank account or a card may not be possible in all
markets/regions. 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 accountWithdrawal/Transfer toMarket/Region

RateCards

UANo Fee (when no currency
conversion is involved)

Currency Conversions: If you withdraw your balance in a currency other than the currency in which the balance on your account is denominated,
you will additionally be charged currency conversion fees.

Other Consumer Fees
Included below are fees associated with events, requests, or actions that may happen when you use youraccount.

Other Fees
Activity
Credit Card and Debit Card
Confirmation(s)Description
Some users, in order to increase
their sending limit or as PayPal maydetermine, may be charged a credit
card and debit card link andconfirmation fee. This amount will
be refunded when you successfullycomplete the credit card or debitcard verification process.

Rate
See Credit Card and Debit Card Linkand Confirmation Table below.

Credit Card and Debit Card Link and Confirmation Table
Currency
Australian dollar
Brazilian real
Canadian dollar
Czech koruna
Danish krone
EuroHong Kong dollar
Hungarian forint
Israeli new shekel
Japanese yen
Malaysian ringgit
Mexican peso

Rate
2.00 AUD
4.00 BRL
2.45 CAD
50.00 CZK
12.50 DKK
1.50 EUR
15.00 HKD
400.00 HUF
8.00 ILS
200.00 JPY
10.00 MYR
20.00 MXN

Currency
New Taiwan dollar
New Zealand dollar
Norwegian krone
Philippine peso
Polish zloty
Russian ruble
Singapore dollar
Swedish krona
Swiss franc
Thai baht
UK pounds sterling
US dollar

Rate
70.00 TWD
3.00 NZD
15.00 NOK
100.00 PHP
6.50 PLN
60.00 RUB
3.00 SGD
15.00 SEK
3.00 CHF
70.00 THB
1.00 GBP
1.95 USD