PayPal Consumer Fees

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

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 a customer's card issuer or bank may still apply. Please see the fees for Ukrainian personal accounts page and this Help Center article for updates and more information about our services 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 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, 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 USD0.49 USD
5.00 – 24.99 USD0.99 USD
25.00 – 74.99 USD1.99 USD
75.00 – 200.00 USD2.49 USD
200.01 – 1000.00 USD1.80%
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 USD0.49 USD
10.00 – 29.99 USD0.99 USD
30.00 – 79.99 USD1.99 USD
80.00 – 249.99 USD2.49 USD
250.00 – 1000.00 USD1.75%
1000.01 USD +1.45%



Transferring a cryptocurrency

Transfer TypeFee
Receiving a crypto transferNo fee
Transferring crypto to another PayPal or Venmo accountNo Fee
Transferring crypto to an address outside of PayPal or VenmoYou will be charged a cryptocurrency network fee, payable in the crypto you transfer, which varies. For details on the network fee, see the PayPal Cryptocurrency Terms and Conditions. We will display such network fee right before you transfer any crypto.
Using PayPal as a funding source to buy and transfer crypto in one step to external cryptocurrency wallet providers who support this featureWhen you buy crypto to be transferred in one step, you will also be charged a cryptocurrency network fee, payable in the crypto you transfer. The crypto amount to be transferred in one step to an external wallet plus the crypto amount you will be charged to cover the cryptocurrency network fee is the "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) 1.00% only on the USD value of the crypto that you transfer to your external wallet.

For PYUSD, you will pay 1.50% on the USD value of the PYUSD that you transfer to your external wallet. You will not pay a transaction fee on the combined cryptocurrency purchase amount.
Using PayPal to transfer and sell crypto out of supported external cryptocurrency wallets in one stepWhen 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 fee listed in the "Buying or selling a cryptocurrency" table above and (2) 1.00% only on the USD value of the crypto that you receive from your external wallet.

For PYUSD, you will pay 1.50% on the USD value of the PYUSD that you receive from your external wallet. You will not pay a transaction fee listed in the "Buying or selling a cryptocurrency" table above.

Receiving and Sending Donations

When you accept the User Agreement or the PayPal Fundraisers 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 TypeRate
Donate Button2.89% + fixed fee
PayPal Fundraisers (Listed Fundraisers)2.99%
PayPal Fundraisers (Unlisted Fundraisers)No Fee
PayPal Checkout for Donations2.89% + 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 TypeRate
All Donations1.50%

Fixed fee for donations (based on currency received)

CurrencyFee
Australian dollar0.59 AUD
Brazilian real2.90 BRL
Canadian dollar0.59 CAD
Czech koruna9.00 CZK
Danish krone2.90 DKK
Euro0.39 EUR
Hong Kong dollar3.79 HKD
Hungarian forint149.00 HUF
Israeli new shekel1.60 ILS
Japanese yen49.00 JPY
Malaysian ringgit2.00 MYR
Mexican peso9.00 MXN
CurrencyFee
New Taiwan dollar14.00 TWD
New Zealand dollar0.69 NZD
Norwegian krone3.90 NOK
Philippine peso25.00 PHP
Polish zloty1.89 PLN
Russian ruble39.00 RUB
Singapore dollar0.69 SGD
Swedish krona4.09 SEK
Swiss franc0.49 CHF
Thai baht15.00 THB
UK pounds sterling0.39 GBP
US dollar0.49 USD



Standard rate for sending domestic donations

Payment TypeRate
PayPal Fundraisers (Unlisted Fundraisers) Sending and Receiving Money Rates (i.e., sending domestic personal transactions rates)
All Other DonationsNo Fee

Standard rate for sending international donations

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

Payment TypeRate
PayPal Fundraisers (Unlisted Fundraisers) Sending and Receiving Money Rates (i.e., sending international personal transactions rates)
All Other DonationsNo 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 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 methodFee
PayPal balance or a bank accountNo fee
Cards2.90% + fixed fee
Amex Send AccountNo fee
Visa+ transaction to Venmo Visa+-enabled digital walletsNo fee
Visa+ transaction to non-Venmo Visa+-enabled digital wallets1.75%
  • A minimum fee of 0.25 USD
  • 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
PayPal balance or a bank account5.00%
  • A minimum international fee of 0.99 USD
  • A maximum international fee of 4.99 USD
Cards5.00%
  • A minimum international fee of 0.99 USD
  • A maximum international fee of 4.99 USD
Amex Send Account5.00%
  • 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)

CurrencyFee
Australian dollar0.30 AUD
Brazilian real0.60 BRL
Canadian dollar0.30 CAD
Czech koruna10.00 CZK
Danish krone2.60 DKK
Euro0.35 EUR
Hong Kong dollar2.35 HKD
Hungarian forint90.00 HUF
Israeli new shekel1.20 ILS
Japanese yen40.00 JPY
Malaysian ringgit2.00 MYR
Mexican peso4.00 MXN
CurrencyFee
New Taiwan dollar10.00 TWD
New Zealand dollar0.45 NZD
Norwegian krone2.80 NOK
Philippine peso15.00 PHP
Polish zloty1.35 PLN
Russian ruble10.00 RUB
Singapore dollar0.50 SGD
Swedish krona3.25 SEK
Swiss franc0.55 CHF
Thai baht11.00 THB
UK pounds sterling0.20 GBP
US dollar0.30 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 TransactionCurrency 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 from a PayPal personal account

Withdrawal/Transfer toWithdrawal/Transfer TypeRate
Bank accountStandard
  • With eligible linked bank account
No Fee (when no currency conversion is involved)
Instant1.75% of amount transferred
CardsStandard No Fee (when no currency conversion is involved)
Instant1.75% of amount transferred
ChecksHave a paper check mailed to you1.50 USD (Fee only applies to PayPal personal accounts without a linked PayPal Balance account)

Withdrawal Limits – Instant Transfer for Bank

FrequencyMaximum (up to)
Per transaction25,000.00 USD

Withdrawal Limits – Standard and Instant Transfers for Cards

FrequencyMaximum (up to)
Per transaction5000.00 USD
Per day5000.00 USD
Per week5000.00 USD
Per month15,000.00 USD

Minimum and Maximum fees – Instant Transfer

Based on withdrawal currency:

CurrencyMinimum FeeMaximum Fee
US dollar0.25 USD25.00 USD

Other Consumer Fees

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

Other Fees

ActivityDescriptionRate
Bank Return on Withdrawal/Transfer out of PayPalThis 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 MasterCardUse 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 Debit MasterCardUse of the PayPal Debit MasterCard is subject to eligibility, application, approval by PayPal and your acceptance of the terms.Please see our PayPal Debit MasterCard Cardholder Agreement

Credit Card and Debit Card Link and Confirmation Table

CurrencyRate
Australian dollar2.00 AUD
Brazilian real4.00 BRL
Canadian dollar2.45 CAD
Czech koruna50.00 CZK
Danish krone12.50 DKK
Euro1.50 EUR
Hong Kong dollar15.00 HKD
Hungarian forint400.00 HUF
Israeli new shekel8.00 ILS
Japanese yen200.00 JPY
Malaysian ringgitNot Applicable
Mexican peso20.00 MXN
CurrencyRate
New Taiwan dollar70.00 TWD
New Zealand dollar3.00 NZD
Norwegian krone15.00 NOK
Philippine peso100.00 PHP
Polish zloty6.50 PLN
Russian ruble60.00 RUB
Singapore dollar3.00 SGD
Swedish krona15.00 SEK
Swiss franc3.00 CHF
Thai baht70.00 THB
UK pounds sterling1.00 GBP
US dollar1.95 USD