How much does PayPal charge for instant transfer

Question

Accepted Answer

PayPal charges 1.75% for an instant transfer from a US personal account, with a $0.25 minimum and a $25 maximum, while business accounts pay 1.50% with a $0.50 minimum.

The fee depends on the type of US account you hold, and it is the same whether the money goes to an eligible linked bank account or to a debit card.

Personal account: 1.75% of the amount moved, never less than $0.25 and never more than $25.00.
Business account: 1.50% of the amount moved, with a $0.50 minimum and no upper cap on the fee.

For personal accounts, the minimum and the cap mean the fee stops following the percentage at certain amounts.

Below $14.28: The flat $0.25 minimum applies.
From $14.28 to $1,428.57: The fee is 1.75% of the transfer.
Above $1,428.57: The fee stays at the $25.00 cap.

The official PayPal pricing page lists these rates, and it notes that a standard transfer to a linked bank account carries no fee when no currency conversion is involved. A standard transfer usually takes 1 to 3 business days to arrive, so it suits anyone who does not need the funds right away. Instant transfers to a bank account usually land within minutes.