🇬🇧 PayPal Fee Calculator UK

Work out PayPal transaction fees in the United Kingdom!

Up-to-date as of 02 Jan 2023

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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. There are four main factors to work out your PayPal fees:

  1. the account type (merchant or consumer)
  2. the type of transaction
  3. the transaction currency
  4. 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 variable and fixed fees.
For international transactions, there will be cross-border fees.
If the transaction currency differs from your account, there is a currency conversion fee of 3%.
Some transactions have a minimum and maximum cap on fees.

Here are the standard rates 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 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.

Check out their merchant or consumer fees for more information on PayPal fees.

Calculating the amount PayPal takes from your transactions is accessible 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 transaction. 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 differ 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

There is no need to handle cash, cards, or even a card reader. 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 differ 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 differ 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 differs from your account, there is 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 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 pay with PayPal and in the same currency. If the item is listed in euros and you paid in GBP, there will be a currency conversion fee of 3%.