Last Updated: 15, October 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.
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:
| Australia (AU) |
|---|
When you buy or sell goods or services, receive payments through QR Codes, make any other commercial type of transaction, or receive a payment when you “request money” using PayPal, we call that a “commercial transaction”.
| Transaction Type | Rate |
|---|---|
| Commercial Transactions | 2.60% + fixed fee |
| QR Code Transactions | 1.20% |
The fee for receiving domestic transactions applies plus the additional percentage-based fee for international commercial transactions.
The variable fee shall be increased by the percentage points set out below:
| Transaction Type | Rate |
|---|---|
| Commercial Transactions | +1.00% |
| QR Code Transactions | +1.00% |
| 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 |
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.
| 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 |
The applicable fee for receiving domestic donations applies plus the additional percentage-based fee for international donations.
The variable fee shall be increased by the percentage points set out below:
| Transaction Type | Rate |
|---|---|
| Donation (other than PayPal Fundraisers donations) | +1.00% |
| QR code Transactions | Commercial Transaction rates for QR Code Transactions apply |
| 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 |
| 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) |
Charity transaction rates are subject to eligibility, application, and pre-approval by PayPal. Once approved by PayPal, these rates will apply to all commercial transaction payments and donations received in your PayPal account. Any reference to “fixed fee” means the fixed fee for charity transactions.
| Transaction Type | Rate |
|---|---|
| Australia (AU) | 1.10% + fixed fee |
| QR Code Transactions | Commercial Transaction rates for QR Code Transactions apply |
The fee for receiving domestic charity transactions applies plus the additional percentage-based fee for international charity transactions.
The variable fee shall be increased by the percentage points set out below:
| Transaction Type | Rate |
|---|---|
| Outside of AU | +1.00% |
| QR code Transactions | Commercial Transaction rates for QR Code Transactions apply |
| 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 |
We may allow your customers to choose any of the alternative payment methods (APM) listed in our APM agreement at checkout to pay you for purchases.
For a complete listing of the APMs we support, please see Annex 1 of your market’s APM agreement. You must accept the terms of your market’s APM agreement before receiving APM payments.
Use of applicable Services is subject to eligibility, application, and approval by PayPal and your acceptance of the terms of the PayPal Online Card Payment Services Agreement. These rates will apply to all commercial transaction payments received using PayPal Online Card Payment Services.
Capitalized terms in this section are defined in the PayPal Online Card Services Agreement.
Charity rates for receiving transactions using the below PayPal Online Payment Services are subject to eligibility, application, and pre-approval by PayPal. See our PayPal Online Card Payment Services Agreement for more details about the below services.
The fee for receiving domestic PayPal Online Card Payment Services transactions applies plus the additional percentage-based fee for international PayPal Online Card Payment Service transactions.
The variable fee shall be increased by the percentage points set out below:
| Transaction Type | Rate |
|---|---|
| Advanced Credit and Debit Card Payments | +1.85% |
| Website Payments Pro – Hosted Solution | +1.85% |
| Virtual Terminal | +1.00% |
The variable fee shall be increased by the percentage points set out below:
| Transaction Type | Rate |
|---|---|
| Advanced Credit and Debit Card Payments | +1.00% |
| Website Payments Pro – Hosted Solution | +1.85% |
| Virtual Terminal | +1.00% |
| 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 |
| Activity | Description | Fee |
|---|---|---|
| Chargeback Protection | Optional Service for Advanced Credit and Debit Card Payments | 0.40% per transaction |
| Fraud Protection Advanced | Optional Service for Advanced Credit and Debit Card Payments | 0.10 AUD per transaction |
| Website Payments Pro – Hosted Solution or API | Monthly Fee (includes GST) | 25.00 AUD |
| Website Payments Pro – Hosted Solution or API and Virtual Terminal | Monthly Fee (includes GST) | 25.00 AUD |
| Virtual Terminal | Monthly Fee (includes GST) | 25.00 AUD |
PayPal Payouts (which includes the service formerly known as Mass Pay) allows you to easily send payments to multiple recipients at once. We charge you a fee for each payment you send using PayPal Payouts. The fee is based on the type of payment and currency in which it is sent.
| Transaction | Rate |
|---|---|
| PayPal Payouts | 2% of total transaction amount (not to exceed the maximum fee cap below) |
Based on payment currency:
| Currency | Domestic Maximum Fee Cap | International Maximum Fee Cap |
|---|---|---|
| Australian dollar | 1.25 AUD | 60.00 AUD |
| Brazilian real | 2.00 BRL | 100.00 BRL |
| Canadian dollar | 1.25 CAD | 60.00 CAD |
| Czech koruna | 24.00 CZK | 1000.00 CZK |
| Danish krone | 6.00 DKK | 300.00 DKK |
| Euro | 0.85 EUR | 40.00 EUR |
| Hong Kong dollar | 7.00 HKD | 400.00 HKD |
| Hungarian forint | 210.00 HUF | 15,000.00 HUF |
| Israeli new shekel | 4.00 ILS | 200.00 ILS |
| Japanese yen | 120.00 JPY | 5000.00 JPY |
| Malaysian ringgit | 4.00 MYR | 200.00 MYR |
| Mexican peso | 11.00 MXN | 750.00 MXN |
| New Taiwan dollar | 33.00 TWD | 2000.00 TWD |
| New Zealand dollar | 1.50 NZD | 75.00 NZD |
| Norwegian krone | 6.75 NOK | 300.00 NOK |
| Philippine peso | 50.00 PHP | 2500.00 PHP |
| Polish zloty | 3.00 PLN | 150.00 PLN |
| Russian ruble | 30.00 RUB | 1500.00 RUB |
| Singapore dollar | 1.60 SGD | 80.00 SGD |
| Swedish krona | 9.00 SEK | 400.00 SEK |
| Swiss franc | 1.30 CHF | 50.00 CHF |
| Thai baht | 36.00 THB | 2000.00 THB |
| UK pounds sterling | 0.65 GBP | 35.00 GBP |
| US dollar | 1.00 USD | 50.00 USD |
Subject to application and pre-approval by PayPal, you may upgrade an existing account to receive the Micropayment rate. Micropayment rates will be applicable as an alternative to standard commercial transaction rates for business that process payments under 10.00 AUD. If you upgrade to the Micropayment rate, this rate will apply to all commercial transaction payments received into your PayPal account. Please contact us to apply for the Micropayment rate.
Based on payment currency:
| Currency | Fee |
|---|---|
| Australian dollar | 0.05 AUD |
| Brazilian real | 0.10 BRL |
| Canadian dollar | 0.05 CAD |
| Czech koruna | 1.67 CZK |
| Danish krone | 0.43 DKK |
| Euro | 0.05 EUR |
| Hong Kong dollar | 0.39 HKD |
| Hungarian forint | 15.00 HUF |
| Israeli new shekel | 0.20 ILS |
| Japanese yen | 7.00 JPY |
| Malaysian ringgit | 0.20 MYR |
| Mexican peso | 0.55 MXN |
| Currency | Fee |
|---|---|
| New Taiwan dollar | 2.00 TWD |
| New Zealand dollar | 0.08 NZD |
| Norwegian krone | 0.47 NOK |
| Philippine peso | 2.50 PHP |
| Polish zloty | 0.23 PLN |
| Russian ruble | 2.00 RUB |
| Singapore dollar | 0.08 SGD |
| Swedish krona | 0.54 SEK |
| Swiss franc | 0.09 CHF |
| Thai baht | 1.80 THB |
| UK pounds sterling | 0.05 GBP |
| US dollar | 0.05 USD |
To cover the cost of processing chargebacks, we assess a settlement fee to sellers for credit and debit card transaction chargebacks (a chargeback may occur when a buyer rejects or reverses a charge on his or her card through the card issuer).
This fee does not apply if the transaction is eligible for PayPal Seller Protection.
The chargeback fee is based on the currency received as follows:
| Currency | Fee |
|---|---|
| Australian dollar | 15.00 AUD |
| Brazilian real | 20.00 BRL |
| Canadian dollar | 15.00 CAD |
| Czech koruna | 250.00 CZK |
| Danish krone | 60.00 DKK |
| Euro | 11.25 EUR |
| Hong Kong dollar | 75.00 HKD |
| Hungarian forint | 2,000.00 HUF |
| Israeli new shekel | 40.00 ILS |
| Japanese yen | 1,300.00 JPY |
| Malaysian ringgit | 40.00 MYR |
| Mexican peso | 110.00 MXN |
| Currency | Fee |
|---|---|
| New Taiwan dollar | 330.00 TWD |
| New Zealand dollar | 15.00 NZD |
| Norwegian krone | 65.00 NOK |
| Philippine peso | 500.00 PHP |
| Polish zloty | 30.00 PLN |
| Russian ruble | 320.00 RUB |
| Singapore dollar | 15.00 SGD |
| Swedish krona | 80.00 SEK |
| Swiss franc | 10.00 CHF |
| Thai baht | 360.00 THB |
| UK pounds sterling | 7.00 GBP |
| US dollar | 10.00 USD |
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%:
For all other PayPal transactions involving a currency conversion, the currency conversion fee is 3.0%.
Sometimes the sender of a payment you receive may use an eCheque as a means of funding that payment from their bank account, in order to send it from their PayPal account. Please see the Combined Financial Services Guide and Product Disclosure Statement (CFSGPDS) for more information about eCheques. When you receive an eCheque funded payment we apply the fee you agreed to pay to receive the payment up to a monetary cap indicated below (based on the currency received):
| Payment Type | Rate |
|---|---|
| Per each payment transaction | Commercial Transaction Rates |
| Currency | Maximum fee cap |
|---|---|
| Australian dollar | 50.00 AUD |
| Brazilian real | 75.00 BRL |
| Canadian dollar | 45.00 CAD |
| Czech koruna | 850.00 CZK |
| Danish krone | 250.00 DKK |
| Euro | 35.00 EUR |
| Hong Kong dollar | 330.00 HKD |
| Hungarian forint | 9,250.00 HUF |
| Israeli new shekel | 160.00 ILS |
| Japanese yen | 4,000.00 JPY |
| Malaysian ringgit | 150.00 MYR |
| Mexican peso | 540.00 MXN |
| New Taiwan dollar | 1,350.00 TWD |
| New Zealand dollar | 60.00 NZD |
| Norwegian krone | 270.00 NOK |
| Philippine peso | 1,900.00 PHP |
| Polish zloty | 140.00 PLN |
| Russian ruble | 1,400.00 RUB |
| Singapore dollar | 60.00 SGD |
| Swedish krona | 320.00 SEK |
| Swiss franc | 50.00 CHF |
| Thai baht | 1,400.00 THB |
| UK pounds sterling | 30.00 GBP |
| US dollar | 45.00 USD |
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 | Withdrawals made to your U.S. account | 3.00% (when no currency conversion is involved) |
| Cards | Standard | 1.00% of amount transferred |
Based on withdrawal currency:
| 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 zloty | 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 |
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. | 5.00 AUD |
| Commercial Transaction Refunds | Full Refunds |
|
| Partial Refunds |
| |
| 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) |