Does PayPal charge extra

PayPal does charge extra for some transactions, but opening an account and paying for purchases in your own currency within your country is free.

Whether a fee applies depends on what you are doing with the account, how the payment is funded and whether currencies or borders are involved.

These actions do not carry a PayPal fee:

• Account setup: Creating a personal or business PayPal account costs nothing.
• Buying: Paying for goods or services in your home currency is free for the buyer.
• Domestic personal payments: Sending money to friends and family in your country is free when it is funded from a bank account or PayPal balance.
• Standard withdrawals: Moving money from PayPal to a linked bank account with a standard transfer has no fee.

Fees apply in these cases:

• Selling goods and services: The seller or merchant usually pays a domestic rate of 3.49% plus $0.49 per transaction in the US.
• Card-funded personal payments: Using a credit or debit card to send money to friends and family attracts a fee.
• International transfers: Sending money overseas or receiving cross-border payments generally costs a percentage or fixed charge.
• Currency conversion: PayPal adds a markup of around 3% to 4% when it converts one currency into another.
• Instant withdrawals: Moving funds instantly to an eligible debit card or bank card costs 1.75% of the amount transferred.

For a broader PayPal overview of charges by country, PayPal publishes its consumer fees and merchant fees on its official website. Rates change over time and vary by region, so check the current page for the type of transaction you plan to make.