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Currency Conversions” Also Apply Last Updated: 31, May 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 web-page 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. International euro (EUR) or Swedish krona (SEK) transactions where both the sender and the receiver are registered with or identified by PayPal as resident in the European Economic Area (EEA) are treated as domestic transactions for the purpose of applying fees. 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 Markets/Regions Rates published below apply to PayPal accounts of residents of the following markets/regions: Markets/Regions list Democratic Republic of the Saint Vincent & Albania (AL) Maldives (MV) Congo (CD) Grenadines (VC) Algeria (DZ) Dominica (DM) Mali (ML) Samoa (WS) Marshall Islands Sao Tome & Principe Andorra (AD) Djibouti (DJ) (MH) (ST) Angola (AO) Dominican Republic (DO) Monaco (MC) Saudi Arabia (SA) Anguilla (AI) Ecuador (EC) Mauritania (MR) Singapore (SG) Antigua & Barbuda Egypt (EG) Mauritius (MU) Solomon Islands (SB) (AG) Argentina (AR) El Salvador (SV) Moldova (MD) Senegal (SN) Armenia (AM) Eritrea (ER) Mongolia (MN) Serbia (RS) Aruba (AW) Ethiopia (ET) Montenegro (ME) Seychelles (SC) Azerbaijan Falkland Islands (FK) Montserrat (MS) Sierra Leone (SL) Republic (AZ) Bahamas (BS) Faroe Islands (FO) Morocco (MA) Singapore (SG) Federated States of Bahrain (BH) Mozambique (MZ) Somalia (SO) Micronesia (FM) Bangladesh (BD) Fiji (FJ) Namibia (NA) South Africa (ZA) Barbados (BB) French Polynesia (PF) Nauru (NR) Sri Lanka (LK) Belarus (BY) Gabon (GA) Nepal (NP) Suriname (SR) Netherlands Antilles Svalbard & Jan Mayen Belize (BZ) Gambia (GM) (AN) (SJ) Benin (BJ) Georgia (GE) New Caledonia (NC) Swaziland (SZ) Bermuda (BM) Greenland (GL) New Zealand (NZ) Tajikistan (TJ) Bhutan (BT) Grenada (GD) Nicaragua (NI) Tanzania (TZ) Bolivia (BO) Guatemala (GT) Niger (NE) Togo (TG) Bosnia & Guinea-Bissau (GW) Nigeria (NG) Tonga (TO) Herzegovina (BA) Botswana (BW) Guyana (GY) Niue (NU) Trinidad & Tobago (TT) British Virgin Honduras (HN) Norfolk Island (NF) Tunisia (TN) Islands (VG) Brunei (BN) Iceland (IS) Oman (OM) Turkmenistan (TM) Turks & Caicos Islands Burkina Faso (BF) Indonesia (ID) Palau (PW) (TC) Burundi (BI) Jamaica (JM) Panama (PA) Tuvalu (TV) Papua New Guinea Cambodia (KH) Jordan (JO) Uganda (UG) (PG) Cameroon (CM) Kazakhstan (KZ) Paraguay (PY) Ukraine (UA) United Arab Emirates Cape Verde (CV) Kenya (KE) Peru (PE) (AE) Cayman Islands Kiribati (KI) Philippines (PH) Uruguay (UY) (KY) Chad (TD) Kuwait (KW) Pitcairn Islands (PN) Vanuatu (VU) Chile (CL) Kyrgyzstan (KG) Qatar (QA) Venezuela (VE) Republic of the Wallis & Futuna Islands Columbia (CO) Laos (LA) Congo (CG) (WF) Comoros (KM) Lesotho (LS) Rwanda (RW) Yemen (YE) Cook Islands (CK) Macedonia (MK) Saint Helena (SH) Zambia (ZM) Saint Kitts & Nevis Costa Rica (CR) Madagascar (MG) Zimbabwe (ZW) (KN) Cote d’Ivoire (CI) Malawi (MW) Saint Lucia (LC) Saint Pierre & Croatia (HR) Malaysia (MY) Miquelon (PM) Buying with PayPal It’s free to use PayPal 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 buy or sell goods or services, make any other commercial type of transaction, send or receive a charity donation 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. Sending and receiving payments When you send funds (initiated from the “Friends and Family” tab of the “Send” flow) to, or receive funds 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”. Personal transactions are limited in availability and may not be available in some markets. If you use your credit card as the payment method for a personal transaction, you may be charged a cash-advance fee by your credit card company. The rates relating to personal transactions are set out below. Sending domestic personal transactions Sender Payment Method Rate Market/Region AD, HR, IS, & MC No Fee (if funded in EEA in EUR/SEK) PayPal Balance or Bank account No Fee (when no currency conversion is Where available involved) AD, HR, IS, & MC No Fee (if funded in EEA in EUR/SEK) Cards Where available 3.4% + fixed fee Personal payments: If you use another payment method to partially fund the payment, the fee will be pro- rated. Sending international personal transactions Payment Method Sender Market/Region Recipient Market/Region Rate Payment Method Sender Market/Region Recipient Market/Region Rate Canada, Europe I, Europe II, 1.99 EUR Northern Europe, & US AD, HR, IS, & MC Any other market 3.99 EUR Canada, Europe I, Europe II, 1.99 EUR PayPal Balance or AL, BA, MK, MD, ME, Northern Europe, & US Bank account & UA Any other market 3.99 EUR NZ Any market 6.99 NZD Any other market where Any market 4.99 USD available Canada, Europe I, Europe II, 1.99 EUR Northern Europe, & US AD, HR, IS, & MC Any other market 3.99 EUR Canada, Europe I, Europe II, 1.99 EUR + Northern Europe, & US 3.4% + fixed fee AL, BA, MK, MD, ME, Cards & UA 3.99 EUR + Any other market 3.4% + fixed fee 6.99 NZD + NZ Any market 3.4% + fixed fee Any other market/region 4.99 USD + Any market where available 3.4% + fixed fee Personal payments: We will collect the fee from balance in the currency in which the fee is payable. To do this, we may need to convert the fee amount from your sending balance into the currency in which the fee is payable, in which case the fees for “Currency Conversions” also apply. If you use another payment method to partially fund the payment, the fee will be pro-rated. 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 Currency Fee 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 Receiving personal transactions Rate No Fee (when no currency conversion is involved) 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: Conversions when sending payments or receiving refund(s) For any currency conversions that occur when making personal payments or commercial transactions and receiving a refund beyond 1 day of the date of the original payment. Market/Region Rate AMERICAS: Anguilla, Antigua and Barbuda, Argentina, Aruba, Bahamas, Barbados, Belize, Bermuda, Bolivia, Cayman Islands, Chile, Colombia, Costa Rica, Dominica, Dominican Republic, Ecuador, El Salvador, Falkland Islands, Grenada, 4.5% Guatemala, Guyana, Honduras, Jamaica, Montserrat, Netherlands Antilles, Nicaragua, Panama, Paraguay, Peru, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Suriname, Trinidad & Tobago, Turks and Caicos Islands, Uruguay, Venezuela, Virgin Islands ASIA PACIFIC: Bhutan, Cambodia, Federated States of Micronesia, Indonesia, Laos, Maldives, 4.0% Mongolia, Nepal, New Zealand, Philippines, Samoa, Singapore, Sri Lanka, Tonga MIDDLE EAST & AFRICA: Algeria, Angola, Bahrain, Benin, Botswana, Burkina Faso, Burundi, Cameroon, Cape Verde, Chad, Comoros, Congo, Democratic Rep of the Congo, Cook Islands, Djibouti, Egypt, Eritrea, Ethiopia, Gabon, Gambia, Ghana, Guinea, Guinea Bissau, Ivory Coast, Jordan, Kazakhstan, Kenya, Kuwait, Kyrgyzstan, Lesotho, 4.0% Madagascar, Malawi, Mali, Mauritania, Mauritius, Morocco, Mozambique, Namibia, Niger, Nigeria, Oman, Qatar, Rwanda, Sao Tome And Principe, Saudi Arabia, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, St. Helena, Swaziland, Tajikistan, Tanzania, Togo, Tunisia, Turkmenistan, Uganda, United Arab Emirates, Yemen, Zambia, Zimbabwe SOUTH EAST EUROPE: Albania, Andorra, Belarus, Bosnia and Herzegovina, Croatia, Georgia, Iceland, 4.0% Macedonia, Moldova, Montenegro, Serbia, Ukraine Malaysia - Conversions when sending payments or receiving refund(s) For any currency conversions that occur when making commercial transactions and receiving a refund beyond 1 day of the date of the original payment. Rate above
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