The fees above do not apply to buying and selling PYUSD
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'.
A transaction occurring when both the sender and receiver are registered with or identified by PayPal as residents of the same market.
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.
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.
Rates published below apply to PayPal accounts of residents of the following market/region:
| United States (US) |
|---|
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.
| Rate |
|---|
| No Fee (when no currency conversion is involved) |
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.
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 amount | Fee |
|---|---|
| 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% |
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 amount | Fee |
|---|---|
| 1.00 – 9.99 USD | 0.49 USD |
| 10.00 – 29.99 USD | 0.99 USD |
| 30.00 – 79.99 USD | 1.99 USD |
| 80.00 – 249.99 USD | 2.49 USD |
| 250.00 – 1000.00 USD | 1.75% |
| 1000.01 USD + | 1.45% |
| Transfer Type | Fee |
|---|---|
| Receiving a crypto transfer | No fee |
| Transferring crypto to another PayPal or Venmo account | No fee |
| Transferring crypto to an address outside of PayPal or Venmo | You 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 feature | When 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% only on the USD value of the crypto that you transfer to your external wallet. For PYUSD, you will pay 1.5% 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 step | 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 fee listed in the “Buying or selling a cryptocurrency” table above and (2) 1% only on the USD value of the crypto that you receive from your external wallet. 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 a transaction fee listed in the “Buying or selling a cryptocurrency” table above. |
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.
The applicable fee for receiving domestic donations applies plus the additional percentage-based fee for international donations.
| Payment Type | Rate |
|---|---|
| All Donations | 1.50% |
| 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 |
| Payment Type | Rate |
|---|---|
| PayPal Fundraisers (Unlisted Fundraisers) | Sending and Receiving Money Rates (i.e., sending domestic personal transactions rates) |
| All Other Donations | No Fee |
The applicable fee for sending domestic donations applies plus the applicable additional percentage-based fee for international donations (international fee).
| 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 needed) |
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.
| Payment method | Fee |
|---|---|
| PayPal balance or a bank account | No fee |
| Cards | 2.90% + fixed fee |
| Amex Send™ Account | No fee |
| Visa+ transaction to Venmo Visa+-enabled digital wallets | No Fee |
| Visa+ transaction to non-Venmo Visa+-enabled digital wallets | 1.75%
|
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 account | 5.00%
|
| Cards | 5.00%
|
| Amex Send™ Account | 5.00%
|
| Rate |
|---|
| No fee (when no currency conversion is involved) |
| 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 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.
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.
| Type of Transaction | Currency Conversion Spread |
|---|---|
| 4.00%, or such other amount as may be disclosed to you during the transaction. |
| 3.00%, or such other amount as may be disclosed to you during the transaction. |
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.
| Withdrawal/Transfer to | Withdrawal/Transfer Type | Rate |
|---|---|---|
| Bank account | Standard
| No Fee (when no currency conversion is involved) |
Instant | 1.75% of amount transferred | |
| Cards | Standard
| No Fee (when no currency conversion is involved) |
Instant
| 1.75% of amount transferred | |
| Checks | Have a paper check mailed to you | 1.50 USD (Fee only applies to PayPal personal accounts without a linked PayPal Balance account) |
| Frequency | Maximum (up to) |
|---|---|
| Per transaction | 25,000.00 USD |
| 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 |
Based on withdrawal currency:
| Currency | Minimum Fee | Maximum Fee |
|---|---|---|
| US dollar | 0.25 USD | 25.00 USD |
Included below are fees associated with events, requests, or actions that may happen when you use your account.
| 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 Debit MasterCard | Use 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 |
| 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 |