Does PayPal Charge to Send Money

PayPal is a widely recognized and trusted online payment platform that allows individuals and businesses to send and receive money electronically. As a user-friendly and convenient service, PayPal offers various features and functionalities to its users. One aspect that users often inquire about is whether PayPal charges a fee for sending money. This dictionary entry aims to provide a comprehensive answer to the question Does PayPal Charge to Send Money.


PayPal’s transaction fees vary depending on the specific circumstances of the transaction. When it comes to sending money, the general rule is that PayPal charges fees for certain types of transactions. These fees primarily depend on the nature of the payment, the geographic location of the sender and receiver, the currency used, and the payment method selected. Hence, it is essential for users to familiarize themselves with PayPal’s fee structure to anticipate any potential charges when sending money.

1. Personal Payments:

PayPal offers personal payment options for non-business-related transactions such as sending money to friends or family members. In the United States, PayPal does not typically charge a fee for personal payments made from a linked bank account, debit card, or PayPal balance. However, if the payment is funded using a credit card, a small fee may apply to cover the processing cost. Any applicable fees will be clearly displayed during the transaction process.

2. Goods and Services Payments:

For payments made for goods and services, PayPal charges a processing fee which is a percentage of the total amount sent. The fee may vary depending on the type of transaction, with domestic payments generally attracting lower fees compared to international transactions. Additionally, cross-border payments often incur currency conversion fees if the sender and receiver use different currencies.

3. Payment Methods:

PayPal offers various payment methods including linked bank accounts, credit cards, and PayPal balances. Depending on the chosen payment method, fees may be applicable. For example, when sending money internationally, paying with a credit card can incur higher fees due to potential currency conversion charges imposed by credit card companies.

4. Additional Fees:

While the primary fees associated with sending money have been outlined, it is important to note that PayPal may charge additional fees for specific circumstances. For instance, expedited transfers, chargebacks, and refunds may result in additional charges. These fees are designed to cover the costs incurred by PayPal during these processes and are typically disclosed to users before the transaction is finalized.


In conclusion, PayPal charges fees for certain types of transactions when sending money. The fees are dependent on various factors such as the nature of the payment, geographic locations, currencies involved, and payment methods selected. To provide transparency and avoid any surprises, PayPal clearly displays the applicable fees during the transaction process. It is advisable for users to review PayPal’s fee structure and familiarize themselves with the terms and conditions to understand the potential charges when sending money via PayPal.

This glossary is made for freelancers and owners of small businesses. If you are looking for exact definitions you can find them in accounting textbooks.

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