PayPal Cash Plus Long Form Disclosure All fees Amount Details Opening and holding an account Account setup $0.00 No fee to set up an account. Monthly fee $0.00 No monthly fee. Spending or sending money Online and in-store purchases $0.00 No fee for online or in-store purchases. Sending money to people in the U.S. $0.00 No fee to send money to people in the U.S. using your PayPal Cash Plus balance. International transaction $0.99 (send up to $49.99) There's a fee when you send money to friends or family in Canada (sending money to Canada and Europe) $2.99 (send $50.00 or more) and Europe using your PayPal Cash Plus balance. If you're sending in a foreign currency, the fee is a comparable amount in that currency. Accounts are considered to be in Europe if they're located in one of the following countries: Aland Islands, Albania, Andorra, Austria, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte), Georgia, Germany, Gibraltar, Greece, Greenland, Hungary, Iceland, Ireland, Isle of Man, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russian Federation, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom, and Vatican City State. International transaction $0.99 (send up to $49.99) There's a fee when you send personal payments to friends and family (sending money to any country outside of Canada and $2.99 (send $50.00 to $99.99) in countries outside of Canada and Europe using your PayPal Cash Europe) $4.99 (send $100.00 or more) Plus balance. If you're sending in a foreign currency, the fee is a comparable amount in that currency. Adding money to your balance Direct deposit $0.00 No fee to use direct deposit for your paychecks, tax refunds, and government benefits. Transfer from bank account $0.00 No fee when you link your bank and use it to add money to your PayPal Cash Plus account. Receive money from personal payments $0.00 No fee for you when friends and family send you personal payments with PayPal. Receive merchant refund $0.00 No fee for you when a merchant sends you a refund. Cash reload $3.00 - $3.95 There's a fee of up to $3.95 when you add cash to your PayPal Cash Plus balance using the PayPal app at participating stores. Amount varies by store. Find a participating store near you at www.paypal.com/us/webapps/mpp/ppcash. Check reload $0.00 No fee to deposit a check using the PayPal app. And no fee if your (standard) check can't be deposited. Page | 1 All fees Amount Details Check reload 2.00% There's a 2.00% fee (with a minimum fee of $5.00) when you choose (faster check deposits, payroll and government checks) (minimum $5 fee) to deposit payroll or government checks (with pre-printed signature) in minutes using the PayPal app. No fee if your check can't be deposited. Check reload 5.00% There's a 5.00% fee (with a minimum fee of $5.00) when you choose (faster check deposits, all other accepted check types) (minimum $5 fee) to deposit non-payroll and non-government checks in minutes using the PayPal app. No fee if your check can't be deposited. Getting cash with the PayPal app Over-the-counter cash withdrawal $3.00 There's a fee when you get cash at a Walmart Money Center using (Walmart) your PayPal app. Transferring money from your balance Electronic withdrawal $0.00 No fee to transfer money from your PayPal Cash Plus account to your (standard) bank account. The money is typically available in 1 business day. Electronic withdrawal 1.00% There's a fee to transfer money from your PayPal Cash Plus account (Instant Transfer) (maximum $10 fee) to your eligible linked bank account or debit card with the Instant Transfer option. The money is typically available in minutes. Paper checks $1.50 There's a fee to have a paper check mailed to you. More information Customer service $0.00 No fee to call our automated Customer Service line. (automated) Customer service $0.00 No fee to call a Customer Service agent. (live agent) Real-time alerts $0.00 No fee to receive real-time alerts on your phone. Standard text message & data rates may apply. Account statements $0.00 No fee for PDF copies of your account statements. Transaction declines due to insufficient funds $0.00 No fee for declines due to insufficient funds. Using the PayPal Cash Debit Card (optional) PayPal Cash Card acquisition $0.00 No fee to get a PayPal Cash Card. ATM withdrawal $0.00 No fee for ATM withdrawals in the MoneyPass network in the U.S. (in-network) Find no-fee ATMs near you at www.moneypass.com. ATM withdrawal $0.50 - $2.50 There's a fee for non-MoneyPass ATM withdrawals in the U.S. Fee (out-of-network) amount varies by ATM owner. You may be charged an additional amount by the ATM owner even if you don't complete a transaction. ATM international withdrawal $2.50 There's a fee for non-U.S. ATM withdrawals. It applies even if the transaction doesn't need any currency conversion. A 2.50% international transaction fee described below also applies to international ATM withdrawals. You may be charged an additional amount by the ATM owner even if you don't complete a transaction. International transaction 2.50% There's a foreign transaction fee when you use your PayPal Cash Card to make purchases or withdrawals at stores or ATMs outside the U.S. This fee applies even when there's no currency conversion. Page | 2 All fees Amount Details ATM Balance inquiry $0.00 No fee to check your balance at ATMs in the MoneyPass network. (in-network) Find no-fee ATMs near you at www.moneypass.com. ATM balance inquiry $0.00 No fee to check your balance at non-MoneyPass ATMs. You may be (out-of-network) charged a fee by the ATM owner. Teller withdrawal $3.00 There's a fee when you get cash back at participating bank branches (bank and other financial institutions) or other financial institutions. The fee is charged when you sign for your cash. Over-the-counter cash withdrawal $3.00 There's a fee when you get cash back at a Walmart Customer Service (Walmart) counter or MoneyCenter using your PayPal Cash Card. The fee is charged when you sign for your cash. Cash reload $3.00 - $4.95 There's a fee to add cash to your PayPal Cash Plus balance using your PayPal Cash Card at participating stores. Fee amount varies by store. Find a participating store near you at www.paypal.com/us/webapps/mpp/ppcash. Card replacement $0.00 No fee to replace your lost or stolen PayPal Cash Card. Using the PayPal Business Debit Card (optional) PayPal Business Debit Card acquisition $0.00 No fee to get a PayPal Business Debit Card. ATM withdrawal $1.50 This fee is charged for ATM withdrawals in the U.S. (plus any (in-network and out-of-network) amounts charged by the ATM owner). You may be charged an additional fee by the ATM owner even if you don't complete a transaction. ATM international withdrawal $1.50 There's a fee for non-U.S. ATM withdrawals. It applies even if the transaction doesn't need any currency conversion. A 1.00% international transaction fee described below also applies to international ATM withdrawals. You may be charged an additional amount by the ATM owner even if you don't complete a transaction. International transaction 1.00% There's a foreign transaction fee when you use your PayPal Business Debit Card to make purchases or withdrawals at stores or ATMs outside the U.S. This fee applies even when there's no currency conversion. ATM Balance inquiry $0.00 No fee to check your balance at an ATM. You may be charged a fee by the ATM owner. Teller withdrawal $3.00 There's a fee when you get cash back at participating bank branches (bank and other financial institutions) or other financial institutions. The fee is charged when you sign for your cash. Over-the-counter cash withdrawal $3.00 There's a fee when you get cash back at a Walmart Customer Service (Walmart) counter or MoneyCenter using your PayPal Business Debit Card. The fee is charged when you sign for your cash. Cash reload $3.00 - $4.95 There's a fee to add cash to your PayPal Cash Plus balance using your PayPal Business Debit Card at participating stores. Fee amount varies by store. Find a participating store near you at www.paypal.com/us/webapps/mpp/ppcash. Card replacement $0.00 No fee to replace your lost or stolen PayPal Business Debit Card. Third-party digital wallets (optional) Page | 3 All fees Amount Details International transaction 2.50% There's a foreign transaction fee to use PayPal in Google Pay and (Google Pay and Samsung Pay features) Samsung Pay to make a purchase from a non-U.S. merchant. This fee applies even when there's no currency conversion. Your funds are FDIC insured only if you have a PayPal Cash Card. No overdraft/credit feature. Contact us at 1-844-629-9108, by mail at PayPal Inc., Attention: Legal Department, 2211 North First Street, San Jose, CA 95131, or online at paypal.com/us/smarthelp/contact-us.