PayPal Personal Business Developer Help Log In Sign Up PayPal Consumer Fees Buying and sending money can be easy, fast, and secure when using PayPal. Crypto Promo Fees: From October 26 through December 31, 2021, a crypto purchase or sale of $5,000-$9,999.99 USD will be charged a discounted fee of 0.99%, and a crypto purchase or sale of $10,000 USD or more will be charged a discounted fee of 0.75%. An exchange rate, inclusive of a spread, will also apply. All transactions subject to terms. After December 31, 2021, pricing will be as set forth below. Consumer Merchant Download printable PDF Relevant Market/Region Buying with PayPal Selling with PayPal Buying and Selling Cryptocurrencies Receiving Donations Sending and receiving money PayPal Balance Currency Conversions Withdrawals Out of PayPal Other Consumer Fees Last Updated: 1, November 2021 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 market. 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. 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. 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 other commercial type of transaction, we call that a "commercial transaction". For the listings of selling rates, please visit our PayPal Merchant Fees Page. Buying and Selling Cryptocurrencies The transaction fees are based on how much cryptocurrency ("crypto") you buy or sell. 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 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% Receiving Donations When you accept the User Agreement or the Generosity Network Terms and Conditions to send or receive funds (using one of the payment types listed below), we call that a "donation". Funds sent or received through other products or services (not set out below) are not "donations" eligible for donations pricing. In such cases the applicable transaction rates will apply and will be subject to the 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 Generosity Network 2.89% + fixed fee PayPal Checkout for Donations 2.89% + fixed fee Receiving international donations The fee for receiving domestic donations applies plus the additional percentage-based fee for international donations. Additional percentage-based fee for international donations Payment Type Rate All Donations 1.50% Fixed fee for donations (based on currency received) Currency Fee Australian dollar 0.59 AUD Brazilian real 2.90 BRL Canadian dollar 0.59 CAD Czech koruna 9.00 CZK Danish krone 2.90 DKK Euro 0.39 EUR Hong Kong dollar 3.79 HKD Hungarian forint 149.00 HUF Israeli new shekel 1.60 ILS Japanese yen 49.00 JPY Malaysian ringgit 2.00 MYR Mexican peso 9.00 MXN Currency Fee New Taiwan dollar 14.00 TWD New Zealand dollar 0.69 NZD Norwegian 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 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 Payment method Fee PayPal balance or a bank account Fee is waived Cards 2.90% + fixed fee Amex Send™ Account Fee is waived Sending international personal transactions The fee for sending domestic transactions applies plus the additional percentage-based fee for international transactions (international fee). Payment method Fee PayPal balance or a bank account 5.00% A minimum international fee of 0.99 USD A maximum international fee of 4.99 USD Cards 5.00% A minimum international fee of 0.99 USD A maximum international fee of 4.99 USD Amex Send™ Account 5.00% A minimum international fee of 0.99 USD A maximum international fee of 4.99 USD 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. Receiving personal transactions Rate No fee (when no currency conversion is involved) Fixed fee for personal transactions (based on currency received) Currency Fee 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 Euro 0.35 EUR 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 Currency Fee 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 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 Balance Terms and Conditions. Currency Conversions For any of the following types of transactions involving a currency conversion by PayPal, the transaction 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 other than the currency the goods or services are listed in. Sending money to a friend or family member such that they receive a different currency from the currency in which you pay. Sending money using PayPal Payouts such that your recipients receive a different currency from the currency in which you pay. 4.00%, or such other amount as may be disclosed to you during the transaction. All other transactions 3.00%, or such other amount as may be disclosed to you during the transaction. Withdrawals Out of PayPal You can typically withdraw money out of PayPal by standard withdrawals/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. Withdrawing a balance from a personal PayPal account Withdrawal/Transfer to Withdrawal/Transfer Type Rate Bank account Local Account With eligible linked bank account No Fee (when no currency conversion is involved) Instant Withdrawal limits apply 1.50% of amount transferred Minimum and Maximum fees apply based on the card withdrawal currency, in the table below Cards Instant With eligible linked debit card Withdrawal limits apply 1.50% of amount transferred Minimum and Maximum fees apply based on the card withdrawal currency, in the table below Checks Have a paper check mailed to you 1.50 USD Withdrawal Limits – Instant Transfer for Bank Frequency Maximum (up to) Per transaction 25,000.00 USD Withdrawal Limits – Instant Transfer 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 15.00 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 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. 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 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 CZK Danish krone 12.50 DKK Euro 1.50 EUR 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 Currency Rate 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 HelpContactFeesSecurityAppsShopEnterprisePartnersFeedback AboutNewsroomJobsInvestor RelationsValues in ActionPublic PolicySitemap © 1999–2021 AccessibilityPrivacyCookiesLegal We’ll use cookies to improve and customize your experience if you continue to browse. 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