For sending international personal payments, PayPal generally charges a fee of 5.00% of the transaction amount, with specific minimum and maximum charges applied. This fee structure applies whether you use your PayPal balance, a linked bank account, or a card for the payment.
Understanding PayPal's International Personal Payment Fee Structure
PayPal's fee for sending personal payments across borders is designed to be straightforward, applying a percentage of the amount sent. However, to ensure fairness for very small or very large transactions, there are defined minimum and maximum limits for this international fee.
Here's a breakdown of the typical fees for sending international personal payments:
| Payment Method | Percentage Fee | Minimum International Fee | Maximum International Fee |
|---|---|---|---|
| PayPal balance or a bank account | 5.00% | 0.99 USD | 4.99 USD |
| Cards (credit/debit) | 5.00% | 0.99 USD | 4.99 USD |
This means that if 5.00% of your transaction amount calculates to less than $0.99 USD, you will still be charged the minimum fee of $0.99 USD. Conversely, if 5.00% of your transaction amount exceeds $4.99 USD, your fee will be capped at the maximum of $4.99 USD.
Key Considerations for International Payments
- Scope: These fees specifically apply to sending international personal transactions. Fees for business transactions or receiving international payments may differ.
- Currency Conversion: Beyond the sending fee, PayPal may also apply a fee for currency conversion if the payment involves different currencies. This conversion fee is typically added to the exchange rate.
- Transparency: It's always advisable to review the exact fees displayed on the transaction summary screen within PayPal before confirming any international payment to understand the total cost.
For the most current and comprehensive details on all PayPal fees, including those for international transactions, it is recommended to consult the official PayPal Consumer Fees page.
