Calculate PayPal fees

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Many platforms are available to help you inexpensively send and receive money in Canada and abroad. Make money transfers in many different currencies to most destinations. HelloSafe's tools let you compare PayPal's fees to those charged by other money transfer platforms available in Canada.

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While domestic transfers are free with PayPal, international money transfers can bring prohibitively expensive because of PayPal's exchange rate and conversion costs. For international transfers, PayPal charges large fees. These range from 2.8% to 10% of the transfer amount! For reference, the least expensive competitors only apply fees of 0.4% to 2%. One of PayPal's strengths is its size and international reach, which allows you to transfer money to more than 200 countries in 75 different currencies.

Are you considering using PayPal for an international transfer? Want to calculate PayPal's fees first?

Our calculator allows you to instantly calculate PayPal transaction fees before you transfer money.

What are PayPal’s fees in Canada in 2022?

PayPal fees vary depending on the amount transferred, the location of the sender and recipient, and whether you are a buyer or a seller.

PayPal transfer fees: sending and receiving money

Opening a PayPal account is free. Beyond that, the platform applies fees to many money transfers.

Here is how it works:

Recipient's locationFrom a PayPal account or bank accountBy credit card
Within CanadaNo fees2.9% + any fixed fees (see below)
USA and Europe$2.99$2.99 + 2.9% + any fixed fees
Other countries$4.99
$4.99 + 2.9% + any fixed fees
PayPal transfer fees from Canada

PayPal charges the following fixed fees depending on the recipient's currency:

CurrencyFixed Fee
Australian Dollar0.30 AUD
Brazilian Real0.60 BRL
Canadian Dollar0.30 CAD
Czech Crown10 CZK
Danish Krone2.60 DKK
Euro0.35 EUR
Hong Kong Dollar2.35 HKD
Hungarian Forint90 HUF
Israeli New Shekel1.20 ILS
Japanese Yen40 JPY
Malaysian Ringgit2 MYR
Mexican Peso4 MXN
New Taiwan Dollar10 TWD
New Zealand Dollar0.45 NZD
Norwegian Krone2.8 NOK
Philippine Peso15 PHP
Polish Zloty1.35 PLN
Pound Sterling (UK)0.20 GBP
Russian Ruble10 RUB
Singapore Dollar0.50 SGD
Swedish Krona3.25 SEK
Swiss Franc0.55 CHF
Thai Baht11 THB
US Dollar0.30 USD
PayPal fixed fees to other countries

Please note that the fixed fee is NOT the currency conversion fee. The exchange rate is added on top of the fixed fees. 

Compelling alternatives to PayPal exist for international money transfers. They can be cheaper, especially when taking into account currency conversion fees. Use our anonymous platform comparison tool to find the cheapest online money transfer platform for you. 

Compare the top 10 money transfer platforms

Save money in just seconds

To learn more about all of PayPal's fees, continue reading below:

PayPal conversion fees

The minimum currency conversion fee applied by PayPal is 4%.

PayPal transfer fees

Transfers through PayPal cost:

ToFee
Another PayPal Account0%
To a bank account1% of total
PayPal transfer fees

PayPal fees for consumers in Canada

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PayPal fees for sellers in Canada

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Do I have to pay PayPal fees?

PayPal users can make some transfers that are free of fees. The platform can be a very attractive option for transfers within Canada and/or to other PayPal users. 

On the other hand, PayPal's transfer fees for international transfers are not always competitive. HelloSafe strongly recommends shopping around for the best money transfer platforms using our online tool before using PayPal. Quickly find faster and cheaper alternatives.

Who pays PayPal fees?

PayPal fees are always paid by the person who receives a payment, whether they are an individual or a business.

How do I calculate PayPal fees?

How you calculate PayPal fees depends on:

  • From where you make the transaction
  • To the recipient's location (this determines what fees and currency conversions are applied)
  • The type of transaction (donation, credit card transfer, PayPal-to-PayPal transfer, etc.)
  • Whether you are an individual or a business

PayPal usually charges small fees or no fees for domestic transfers. For international transfers, however, it charges a percentage of the transfer and a flat fee. That amount can quickly add up.

Note that all transfers from one PayPal account to another PayPal account are free regardless of where the buyer and seller are located.

Use our PayPal fee tool to calculate how much you will pay on your transaction.

Shop for the best money transfer platforms with our free online comparison tool before you receive or transfer money via PayPal.

Compare the top 10 money transfer platforms

Save money in just seconds

How do I contact PayPal?

You can contact PayPal customer service in Canada:

  • Through the PayPal interactive FAQ on their website
  • By asking your question on the forum of the PayPal Community, which has nearly 5,000 members
  • By calling PayPal Canada customer service directly - (you need to login into your PayPal account to find the telephone number)

How can I save on PayPal fees?

To save money on transfer fees:

  • Compare money transfer platforms. Wise, formerly TransferWise, is a compelling alternative with very low transfer fees.
  • Transfer from PayPal account to PayPal account to avoid fees.

Do not let yourself be surprised. Be sure to calculate fees BEFORE picking a platform, especially if you are the seller.

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