🇬🇧 PayPal Fee Calculator UK
Work out PayPal transaction fees in the United Kingdom!
Up-to-date as of 18 Apr 2022
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How to calculate PayPal UK fees
PayPal offers multiple products for merchants/sellers and consumers/buyers. Different products have different transaction fees. PayPal usually takes a percentage of the total transaction amount and, sometimes, a fixed transaction fee.
PayPal fees are calculated based on the type of account - merchant or consumer. To work out your PayPal fees, there are four main factors to consider:
- the account type (merchant or consumer)
- the type of transaction
- the transaction currency
- the region of the buyer or recipient
There might be additional factors for different types of transactions. Some even factor in the monthly sales amount.
For every merchant transaction, PayPal usually charges a variable fee and fixed fee.
For international transactions, there will be cross-border fees.
If the transaction currency is different from your account, you will be charged a currency conversion fee of 3%.
Some transactions have a minimum and maximum cap on the fees.
Here are the standard rate for merchants (Goods & Services, PayPal Checkout, etc):
- 2.9% plus 30p per domestic transaction if the recipient is based in the UK
- 4.19% plus 30p of the transaction amount if the recipient lives in the European Economic Area (EEA):
- Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, French Guiana, Germany, Greece, Guadeloupe, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Martinique, Mayotte, Monaco, Netherlands, Norway, Poland, Portugal, Reunion, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Vatican City State.
- 4.89% plus 30p of the transaction amount if the recipient lives in the other parts of the world
The standard fees for receiving domestic transactions with PayPal for charities are lower, starting from 1.4% plus 30p per transaction with additional fees for overseas sales.
The 30p fixed fee mentioned above might differ based on the received currency.
Let’s do some manual calculations.
If a customer in UK paid £100 for an order, PayPal will take (£100 x 0.029) + £0.30 = £3.20 and the merchant will receive £100 - £3.20 = £96.80
For international payments from European Economic Area (EEA), PayPal will take (£100 x 0.0419) + £0.30 = £4.49 and the merchant will receive £100 - £4.49 = £95.51 for each £100 order provided there is no currency conversion involved.
It is typically free to use PayPal as a consumer, such as buying something with PayPal or sending money to friends and family, as long as the transaction currency is the same.
For more information on PayPal fees, check out their merchant fees or consumer fees.
The easy way to calculate the exact amount PayPal takes from your transactions is by using the free PayPal calculator above.
Breakdown of PayPal’s merchant fees
Standard transaction rates
Also known as the PayPal commercial rate, this is the most common PayPal transaction or commonly known as Goods & Services transactions. If you sell something through your personal PayPal account, it is considered a commercial transaction.
For more information, please refer to PayPal Checkout.
Goods & Services, PayPal Checkout
| In the UK | European Economic Area (EEA) | Rest of the world |
|---|---|---|
| 2.9% plus £0.30 | 4.19% plus £0.30 | 4.89% plus £0.30 |
If the transaction currency is not in UK pounds sterling (GBP), the fixed fee will be different based on the transaction currency.
| 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 |
| New Taiwan dollar | 10.00 TWD |
| New Zealand dollar | 0.45 NZD |
| Norwegian krone | 2.80 NOK |
| Philippine peso | 15.00 PHP |
| 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 | 0.30 GBP |
| US dollar | 0.30 USD |
Card funded payment from a user of our Terms for Payments without a PayPal account
If the transaction currency is not in UK pounds sterling (GBP), the fixed fee will be different based on the transaction currency. Refer to the fixed fee table listed under 'commercial transaction' above.
| In the UK | European Economic Area (EEA) | Rest of the world |
|---|---|---|
| 1.2% plus £0.30 | 2.49% plus £0.30 | 3.19% plus £0.30 |
QR code transaction rates
No need to handle cash, cards, or even a card reader. Your customer just needs to scan and go. For more information, please refer to PayPal QR codes.
| Transaction amount | In the UK | European Economic Area (EEA) | Rest of the world |
|---|---|---|---|
| £10.01 and above | 1.5% plus £0.10 | 2.79% plus £0.10 | 3.49% plus £0.10 |
| £10.00 and below | 2% plus £0.05 | 3.29% plus £0.05 | 3.99% plus £0.05 |
If the transaction currency is not in UK pounds sterling (GBP), the fixed fee will be different based on the transaction currency.
| Currency | Fixed fee for £10.01 and above | Fixed fee for £10.00 and below |
|---|---|---|
| Australian dollar | 0.10 AUD | 0.05 AUD |
| Brazilian real | 0.20 BRL | 0.10 BRL |
| Canadian dollar | 0.10 CAD | 0.05 CAD |
| Czech koruna | 3.00 CZK | 1.50 CZK |
| Danish krone | 0.70 DKK | 0.35 DKK |
| Euro | 0.10 EUR | 0.05 EUR |
| Hong Kong dollar | 0.80 HKD | 0.39 HKD |
| Hungarian forint | 30.00 HUF | 15.00 HUF |
| Israeli new shekel | 0.40 ILS | 0.20 ILS |
| Japanese yen | 12.00 JPY | 6.00 JPY |
| Malaysian ringgit | 0.70 MYR | 0.20 MYR |
| Mexican peso | 2.00 MXN | 0.55 MXN |
| New Taiwan dollar | 3.00 TWD | 2.00 TWD |
| New Zealand dollar | 0.15 NZD | 0.08 NZD |
| Norwegian krone | 1.00 NOK | 0.47 NOK |
| Philippine peso | 5.00 PHP | 2.50 PHP |
| Polish zloty | 0.50 PLN | 0.23 PLN |
| Russian ruble | 3.00 RUB | 1.50 RUB |
| Singapore dollar | 0.20 SGD | 0.08 SGD |
| Swedish krona | 1.00 SEK | 0.50 SEK |
| Swiss franc | 0.10 CHF | 0.05 CHF |
| Thai baht | 4.00 THB | 1.80 THB |
| UK pounds sterling | 0.10 GBP | 0.05 GBP |
| US dollar | 0.10 USD | 0.05 USD |
Receiving donation transaction rates
Commercial QR code transaction rates apply for donation QR code transactions.
| Domestic | EEA | Rest of the world |
|---|---|---|
| 2.9% plus £0.30 | 4.19% plus £0.30 | 4.89% plus £0.30 |
If the transaction currency is not in UK pounds sterling (GBP), the fixed fee will be different based on the transaction currency. Refer to the fixed fee table listed under 'commercial transaction' above.
Charity transaction rates
If you are a charity, parent-teacher association (PTA) or sports club, you can apply for nonprofit status with PayPal to enjoy charity transaction rates.
For more information, please refer to PayPal not-for-profit.
Commercial QR code transaction rates apply for charity QR code transactions.
| Domestic | European Economic Area (EEA) | Rest of the world |
|---|---|---|
| 1.40% plus £0.20 | 2.69% plus £0.20 | 3.39% plus £0.20 |
If the transaction currency is not in UK pounds sterling (GBP), the fixed fee will be different based on the transaction currency.
| 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 |
| New Taiwan dollar | 10.00 TWD |
| New Zealand dollar | 0.45 NZD |
| Norwegian krone | 2.80 NOK |
| Philippine peso | 15.00 PHP |
| 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 |
Alternative Payment Method transaction rates
| Domestic | European Economic Area (EEA) | Rest of the world |
|---|---|---|
| 1.2% plus £0.30 | 2.49% plus £0.30 | 3.19% plus £0.30 |
If the transaction currency is not in UK pounds sterling (GBP), the fixed fee will be different based on the transaction currency. Refer to the fixed fee table listed under 'commercial transaction' above.
PayPal Here transaction rates
PayPal Here is a mobile card reader PayPal offers to physical store sellers. There are no startup costs, no termination fees, and no monthly fees.
For more information, please refer to PayPal Here.
Blended Pricing rates
| Payment type | Card processor | In the UK | European Economic Area (EEA) | Rest of the world |
|---|---|---|---|---|
| Contactless | Visa, MasterCard or Maestro | £0.00 - £1500.00: 2.75% £1500.01 - £6000.00: 1.75% £6000.01 - £15000.00: 1.5% Equal to or over £15000.01: 1% |
£0.00 - £1500.00: 4.04% £1500.01 - £6000.00: 3.04% £6000.01 - £15000.00: 2.79% Equal to or over £15000.01: 2.29% |
£0.00 - £1500.00: 4.74% £1500.01 - £6000.00: 3.74% £6000.01 - £15000.00: 3.49% Equal to or over £15000.01: 2.99% |
| American Express | 2.75% | 4.04% | 4.74% | |
| Keyed or Swiped | Any | 3.4% plus 0.20 GBP | 4.69% plus 0.20 GBP | 5.39% plus 0.20 GBP |
Interchange Plus rates
| Payment type | Card processor | In the UK | European Economic Area (EEA) | Rest of the world |
|---|---|---|---|---|
| Contactless | Visa, MasterCard or Maestro | £0.00 - £1500.00: Interchange fee plus 2.5% £1500.01 - £6000.00: Interchange fee plus 1.5% £6000.01 - £15000.00: Interchange fee plus 1.25% Equal to or over £15000.01: Interchange fee plus 0.75% |
£0.00 - £1500.00: Interchange fee plus 3.79% £1500.01 - £6000.00: Interchange fee plus 2.79% £6000.01 - £15000.00: Interchange fee plus 2.54% Equal to or over £15000.01: Interchange fee plus 2.04% |
£0.00 - £1500.00: Interchange fee plus 4.49% £1500.01 - £6000.00: Interchange fee plus 3.49% £6000.01 - £15000.00: Interchange fee plus 3.24% Equal to or over £15000.01: Interchange fee plu 2.74% |
| American Express | 2.75% | 4.04% | 4.74% | |
| Keyed or Swiped | Visa, MasterCard or Maestro | Interchange fee plus 3.15% | Interchange fee plus 4.44% | Interchange fee plus 5.14% |
| American Express | 3.4% | 4.69% | 5.39% |
Other transaction rates
| In the UK | European Economic Area (EEA) | Rest of the world |
|---|---|---|
| £0.00 - £1500.00: 2.75% £1500.01 - £6000.00: 1.75% £6000.01 - £15000.00: 1.5% Equal to or over £15000.01: 1% |
£0.00 - £1500.00: 4.04% £1500.01 - £6000.00: 3.04% £6000.01 - £15000.00: 2.79% Equal to or over £15000.01: 2.29% |
£0.00 - £1500.00: 4.74% £1500.01 - £6000.00: 3.74% £6000.01 - £15000.00: 3.4% Equal to or over £15000.01: 2.99% |
PayPal Here charity transaction rates
Blended Pricing rates
| Payment type | Card processor | In the UK | European Economic Area (EEA) | Rest of the world |
|---|---|---|---|---|
| Contactless | Visa, MasterCard or Maestro | £0.00 - £15000.00: 1.5% Equal to or over £15000.01: 1% |
£0.00 - £15000.00: 2.79% Equal to or over £15000.01: 2.29% |
£0.00 - £15000.00: 3.49% Equal to or over £15000.01: 2.99% |
| American Express | 2.75% | 4.04% | 4.74% | |
| Keyed or Swiped | Any | 3.4% plus 0.20 GBP | 4.69% plus 0.20 GBP | 5.39% plus 0.20 GBP |
Interchange Plus rates
| Payment type | Card processor | In the UK | European Economic Area (EEA) | Rest of the world |
|---|---|---|---|---|
| Contactless | Visa, MasterCard or Maestro | £0.00 - £15000.00: Interchange fee plus 1.25% Equal to or over £15000.01: Interchange fee plus 0.75% |
£0.00 - £15000.00: Interchange fee plus 2.54% Equal to or over £15000.01: Interchange fee plus 2.04% |
£0.00 - £15000.00: Interchange fee plus 3.24% Equal to or over £15000.01: Interchange fee plu 2.74% |
| American Express | 2.75% | 4.04% | 4.74% | |
| Keyed or Swiped | Visa, MasterCard or Maestro | Interchange fee plus 3.15% | Interchange fee plus 4.44% | Interchange fee plus 5.14% |
| American Express | 3.4% | 4.69% | 5.39% |
Other transaction rates
| In the UK | European Economic Area (EEA) | Rest of the world |
|---|---|---|
| £0.00 - £1500.00: 2.75% £1500.01 - £6000.00: 1.75% £6000.01 - £15000.00: 1.5% Equal to or over £15000.01: 1% |
£0.00 - £1500.00: 4.04% £1500.01 - £6000.00: 3.04% £6000.01 - £15000.00: 2.79% Equal to or over £15000.01: 2.29% |
£0.00 - £1500.00: 4.74% £1500.01 - £6000.00: 3.74% £6000.01 - £15000.00: 3.4% Equal to or over £15000.01: 2.99% |
PayPal Online Card Payment Services
Advanced Credit and Debit Card Payments transaction rates
| Payment type | Card processor | In the UK | European Economic Area (EEA) | Rest of the world |
|---|---|---|---|---|
| Blended Pricing | Visa, MasterCard or Maestro | 1.20% plus £0.30 | 2.49% plus £0.30 | 3.19% plus £0.30 |
| Interchange Plus | Interchange fee + 1.2% plus £0.30 | Interchange fee + 2.49% plus £0.30 | Interchange fee + 3.19% plus £0.30 | |
| Any | American Express | 3.50% plus £0.30 | ||
If the transaction currency is not in UK pounds sterling (GBP), the fixed fee will be different based on the transaction currency. Refer to the fixed fee table listed under 'commercial transaction' above.
Website Payments Pro transaction rates
Website Payments Pro is a fully customisable payments system that integrates into your system. Please refer to PayPal Checkout.
| Payment type | Card processor | In the UK | European Economic Area (EEA) | Rest of the world |
|---|---|---|---|---|
| Standard | 2.90% plus £0.20 | 4.19% plus £0.20 | 4.89% plus £0.20 | |
| Blended Pricing | Visa, MasterCard or Maestro | 3.40% plus £0.20 | 4.69% plus £0.20 | 5.39% plus £0.20 |
| Interchange Plus | Interchange fee + 3.4% plus £0.20 | Interchange fee + 4.69% plus £0.20 | Interchange fee + 5.39% plus £0.20 |
If the transaction currency is not in UK pounds sterling (GBP), the fixed fee will be different based on the transaction currency. Refer to the fixed fee table listed under 'commercial transaction' above.
Virtual Terminal transaction rates
Virtual Terminal is a web application that allows you to accept payments when the customer is not physically present (over the phone, fax, etc). Please refer to PayPal Virtual Terminal faq.
| Payment type | Card processor | In the UK | European Economic Area (EEA) | Rest of the world |
|---|---|---|---|---|
| Standard | 2.90% plus £0.30 | 4.19% plus £0.30 | 4.89% plus £0.30 | |
| Blended Pricing | Visa, MasterCard or Maestro | 1.20% plus £0.30 | 2.49% plus £0.30 | 3.19% plus £0.30 |
| Interchange Plus | Interchange fee + 1.2% plus £0.30 | Interchange fee + 2.49% plus £0.30 | Interchange fee + 3.19% plus £0.30 | |
| Any | American Express | 3.50% plus £0.30 | ||
If the transaction currency is not in UK pounds sterling (GBP), the fixed fee will be different based on the transaction currency. Refer to the fixed fee table listed under 'commercial transaction' above.
Micropayments
If your transactions typically average less than £5, you could save money with PayPal Micropayments.
For more information, please refer to PayPal Micropayments.
| In the UK | Rest of the world |
|---|---|
| 5.00% plus £0.05 | 6.00% plus £0.05 |
If the transaction currency is not in UK pounds sterling (GBP), the fixed fee will be different based on the transaction currency.
| Currency | Fee |
|---|---|
| Australian dollar | 0.05 AUD |
| Brazilian real | 0.10 BRL |
| Canadian dollar | 0.05 CAD |
| Czech koruna | 1.67 CZK |
| Danish krone | 0.43 DKK |
| Euro | 0.05 EUR |
| Hong Kong dollar | 0.39 HKD |
| Hungarian forint | 15.00 HUF |
| Israeli new shekel | 0.20 ILS |
| Japanese yen | 7.00 JPY |
| Malaysian ringgit | 0.20 MYR |
| Mexican peso | 0.55 MXN |
| New Taiwan dollar | 2.00 TWD |
| New Zealand dollar | 0.08 NZD |
| Norwegian krone | 0.47 NOK |
| Philippine peso | 2.50 PHP |
| Polish zloty | 0.23 PLN |
| Russian ruble | 2.00 RUB |
| Singapore dollar | 0.08 SGD |
| Swedish krona | 0.54 SEK |
| Swiss franc | 0.09 CHF |
| Thai baht | 1.80 THB |
| UK pounds sterling | 0.05 GBP |
| US dollar | 0.05 USD |
PayPal consumer transaction fees
Buying with PayPal
It is absolutely free to buy using PayPal. No fees unless the recipient currency is not in UK pounds sterling (GBP).
Buying and selling cryptocurrencies
You can now discover, buy and sell crypto on PayPal. Just remember there is a hidden service fee of around 0.5% when you made any crypto purchase.
Please refer to PayPal Crypto for more info.
| Transaction amount | Rates |
|---|---|
| 1.00 – 24.99 GBP | £0.50 |
| 25.00 – 100.00 GBP | 2.3% |
| 100.01 – 200.00 GBP | 2% |
| 200.01 – 1000.00 GBP | 1.8% |
| Equal to or over 1000.01 GBP | 1.5% |
Receiving donations
Standard
| In the UK | EEA | Rest of the world |
|---|---|---|
| 2.9% plus £0.30 | 4.19% plus £0.30 | 4.89% plus £0.30 |
QR code
| Transaction amount | In the UK | European Economic Area (EEA) | Rest of the world |
|---|---|---|---|
| £10.01 and above | 1.5% plus £0.10 | 2.79% plus £0.10 | 3.49% plus £0.10 |
| £10.00 and below | 2% plus £0.05 | 3.29% plus £0.05 | 3.99% plus £0.05 |
Sending and receiving money
| Action | In the UK | Rest of the world | |
|---|---|---|---|
| Sending | 0% | 5% | |
| Receiving | 0% | ||
Withdrawals
| Withdraw to | Rates |
|---|---|
| Local bank account Cards |
0% |
| US bank account | 3% |
FAQs
How do I calculate PayPal fees in the UK?
For standard commercial transaction, PayPal charge 2.9% plus £0.30. If you sold your item at £100, PayPal takes £3.20 (£2.90 plus £0.30). If you want to receive £100, you should ask for £103.29.
How are PayPal fees calculated in the UK?
PayPal takes a percentage of the total transaction amount plus a fixed fee. The most common merchant commercial fee is 2.9% + 30p.
If it is an international transaction, there will be a cross-border fee.
If the transaction currency is different from your account, you will be charged a currency conversion fee of 3%.
How much is the PayPal fee for £100 in the UK?
For each domestic commercial transaction, PayPal charges 2.9% plus £0.30. So PayPal takes £2.90 + £0.30 = £3.20. If you want to receive £100, you should ask for £103.29.
How do I receive money through PayPal without fees in the UK?
Ask the person, who is sending the money, to use a personal PayPal account. PayPal doesn't charge fees for transfers between personal accounts if currency transaction is not needed.
What are the PayPal customer fees in the UK?
There is no charge if you are paying with PayPal and in the same currency. If the item is listed in euro and you paid in GBP, there will be a currency conversion fee of 3%.