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: 20, February 2024

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 web-page and then selecting ‘Policy Updates’.

All information regarding fees for Australian customers is available in our Combined Financial Services Guide and Product Disclosure Statement (CFSGPDS). To the extent there is any inconsistency between this page, and the CFSGPDS, the latter will prevail.

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:

Market/Region list

Fee Table: Market/Region list
Australia (AU)

Buying with PayPal

It’s free to use PayPal to donate (except for donations to Unlisted Fundraisers) or to pay for a purchase or any other type of commercial transaction unless it involves a currency conversion.

Online or in-store

Fee Table: Online or in-store
Rate
No 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, 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.

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

Fee Table: Standard rate for receiving domestic donations
Transaction Type Rate
Donation (other than PayPal Fundraisers donations) 2.60% + fixed fee
QR code Transactions Commercial Transaction rates for QR Code Transactions apply
PayPal Fundraisers (Listed) Commercial Transaction rates apply
PayPal Fundraisers (Unlisted) No 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

The variable fee shall be increased by the percentage points set out below:

Fee Table: Additional percentage-based fee for international donations
Transaction Type Rate
Donation (other than PayPal Fundraisers donations) +1.00%
QR code Transactions Commercial Transaction rates for QR Code Transactions apply

Fixed fee for donations (based on currency received)

Fee Table: Fixed fee for donations (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
Fee Table: Fixed fee for donations (based on currency received)
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

Standard rate for sending domestic donations

Fee Table: Standard rate for sending domestic donations
Payment Type Rate
PayPal Fundraisers (Unlisted Fundraisers) Sending and Receiving Money Rates (i.e., sending domestic personal transactions rates)
All Other Donations No 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).

Fee Table: Standard rate for sending international donations
Payment Type Rate
PayPal Fundraisers (Unlisted Fundraisers) Sending and Receiving Money Rates (i.e., sending international personal transactions rates)
All Other Donations No Fee (when no currency conversion is involved)

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

Fee Table: Sending domestic personal transactions
Funding Source Rate (of send amount)
PayPal Balance or an AU Bank Account No fee (when no currency conversion is involved)
Cards (any portion funded) 2.60% + Fixed Fee (when no currency conversion is involved)

Sending international personal transactions

Fee Table: Sending international personal transactions
Market of recipient’s address Funding Source Rate (of send amount) Funding fee that you pay
Any other market (where available) PayPal Balance or an Australian Bank Account linked to your PayPal account 5.00% of the send amount, but no lower than 0.99 AUD, and no higher than 5.99 AUD No funding fee
Funded by a card 5.00% of the send amount but no lower than 0.99 AUD, and no higher than 5.99 AUD 2.6% of the portion funded by the card plus a fixed fee based on currency (from the table below)

Receiving personal transactions

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

Fixed fee for personal transactions (based on currency received)

Fee Table: 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
Fee Table: Fixed fee for personal transactions (based on currency received)
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

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:

For some uses of your PayPal account, PayPal may determine currency conversion is necessary. For any of the following transactions that involve a currency conversion in connection with your PayPal account, the currency conversion fee is 4.0%:

  • Paying for goods or services in a currency other than the currency the goods or services are listed in.
  • Receiving a refund beyond 1 day of the original payment.
  • Sending money to a friend or family member where they receive a different currency from the currency you pay in.
  • Sending money using PayPal’s Payouts (formerly Mass Pay) such that your recipients receive a different currency from the currency you pay in.

For all other PayPal transactions involving a currency conversion, the currency conversion fee is 3.0%.

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.

Withdrawing a balance from a personal PayPal account

Fee Table: Withdrawing a balance from a personal PayPal account
Withdrawal/Transfer to Withdrawal/Transfer Type Rate
Bank account Withdrawals made to your U.S. account 3.00% (when no currency conversion is involved)
Cards Standard

1.00% of amount transferred

Minimum and maximum fees

Based on withdrawal currency:

Fee Table: Minimum and maximum fees
Currency Minimum Fee Maximum Fee
Afghan Afghani 25.00 AFN 1,050.00 AFN
Armenian Dram 135.00 AMD 5250.00 AMD
Australian dollar 0.25 AUD 10.00 AUD
Azerbaijan Manat 0.45 AZN 17.50 AZN
Bahraini Dinar 0.10 BHD 4.00 BHD
Bangladeshi Taka 22.00 BDT 880.00 BDT
Belizean Dollar 0.50 BZD 20.00 BZD
Bulgarian lev 0.50 BGN 20.00 BGN
Canadian dollar 0.25 CAD 10.00 CAD
CFA France 135.00 XOF 5400.00 XOF
Czech koruna

5.70 CZK

230.00 CZK
Danish krone 1.80 DKK 70.00 DKK
Eritrean Nakfa 3.75 ERN 150.00 ERN
Euro 0.25 EUR 10.00 EUR
Ghanaian Cedi 1.55 GHS 62.50 GHS
Haitian Gourde 25.00 HTG 1,000.00 HTG
Hong Kong dollar 2.00 HKD 80.00 HKD
Hungarian forint 70.00 HUF 2,900.00 HUF
Iraqi Dinar 365.00 IQD 14,500.00 IQD
Israeli new shekel 1.00 ILS 40.00 ILS
Japanese yen 30.00 JPY 1100.00 JPY
Jordanian Dinar 0.20 JOD 7.25 JOD
Kuwaiti dinar 1.00 KWD No Max
Kyrgyzstani Som 22.50 KGS 850.00 KGS
Lebanese Pound 380.00 LBP 15,250.00 LBP
Lesotho Loti 4.00 LSL 160.00 LSL
Liberian Dollar 37.50 LRD 1,500.00 LRD
Macanese Pataca 2.00 MOP 80.00 MOP
Malaysian ringgit 1.00 MYR 40.00 MYR
Mauritanian Ouguiya 9 MRU 360.00 MRU
Mexican peso 5.00 MXN 200.00 MXN
Mozambican Metical 20.00 MZN 750.00 MZN
Myanmar Kyat 450.00 MMK 18,000.00 MMK
New Zealand dollar 0.40 NZD 15.00 NZD
Norwegian krone 1.00 NOK 40.00 NOK
Omani Rial 0.10 OMR 4.00 OMR
Pakistani Rupee 45.00 PKR 1,800.00 PKR
Philippine peso 10.00 PHP 500.00 PHP
Polish zloty 1.00 PLN 40.00 PLN
Qatari rial 1.00 QAR 40.00 QAR
Romania new lei 1.00 RON 40.00 RON
Russian ruble 20.00 RUB 700.00 RUB
Rwandan Franc 250.00 RWF 10,000.00 RWF
Salvadoran Colón 2.25 SVC 90.00 SVC
São Tomé And Príncipe Dobra 5.50 STN 220.00 STN
Serbian dinar 25.00 RSD 1000.00 RSD
Singapore dollar 0.50 SGD 15.00 SGD
South African rand 3.60 ZAR 145.00 ZAR
Sri Lanka rupee 50.00 LKR 1800.00 LKR
Swedish krona 2.50 SEK 100.00 SEK
Thai baht 8.00 THB 320.00 THB
Tunisian Dinar 0.75 TND 27.50 TND
Turkish lira 3.50 TRY 140.00 TRY
Turkmenistani Manat 1.00 TMT 40.00 TMT
Ugandan Shilling 930.00 UGX 37,500.00 UGX
United Arab Emirates dirham 0.90 AED 36.70 AED
UK pounds sterling 0.20 GBP 8.00 GBP
US dollar 0.25 USD 10.00 USD
Uzbekistani Som 3,000.00 UZS 120,000.00 UZS
Venezuelan Bolivar 2,000,000.00 VES 60,000,000.00 VES
Zambian Kwacha 5.50 ZMW 215.00 ZMW
All Other Currencies No Min No Max

Other Consumer Fees

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

Other Fees

Fee Table: 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. 5.00 AUD
Records Request This fee will apply for requests of information relating to why we had reasonable justification to refuse your payment order. We will not charge you for records requested in connection with your good-faith assertion of an error in your PayPal account. 10.00 AUD (per item)
Security Key Card This is an electronic device that creates a unique security code that you use to log in to your PayPal account. 32.95 AUD (per card)