PayPal Australia Fee Calculator
Quickly calculate your PayPal Australia fees and see your net earnings instantly.
Last Updated: Apr 12, 2025
Understanding PayPal Australia Fees
PayPal Australia charges fees for various types of transactions, including personal payments, donations, commercial transactions, and currency conversions. Below, we break down the fees for both consumers and merchants to help you understand how PayPal calculates its charges.
PayPal Consumer Fees in Australia
PayPal offers different fee structures for personal transactions, donations, international payments, and withdrawals. Here’s a breakdown of the most common consumer fees:
| Transaction Type | Domestic Fee | International Fee |
|---|---|---|
| Sending Money (Personal Transactions) | No fee (PayPal Balance/AU Bank) 2.60% + Fixed Fee (Cards) | Additional 5.00% of send amount (min 0.99 AUD, max 5.99 AUD) |
| Receiving Donations | 2.60% + Fixed Fee | Additional 1.00% |
| QR Code Transactions | 1.20% | Additional 1.00% |
For more details on personal fixed fees and additional charges, visit: PayPal’s Australia Official Consumer Fees Page
PayPal Merchant Fees in Australia
Merchants using PayPal for commercial transactions, donations, QR code payments, PayPal Online Card Payment Services, and micropayments are subject to different fee structures. Below is a summary of the most common merchant fees:
| Transaction Type | Domestic Fee | International Fee |
|---|---|---|
| Commercial Transactions, Receiving Donations | 2.60% + Fixed Fee | Additional 1.00% |
| QR Code Transactions | 1.20% | |
| Charity Transactions | 1.10% + Fixed Fee | |
| Micropayments | 5.00% + Fixed Fee | 6.00% + Fixed Fee |
| PayPal Online Card Payment Services | ||
| Advanced Credit and Debit Card Payments | 1.75% + Fixed Fee | Additional 1.85% |
| Website Payments Pro - Hosted Solution | ||
| Virtual Terminal | 3.60% + Fixed Fee | Additional 1.00% |
For more details on business fixed fees and additional charges, visit: PayPal’s Australia Official Merchant Fees Page
Currency Conversion Fees
PayPal applies currency conversion fees for transactions involving different currencies. The fees vary depending on the type of transaction:
- 4.0% Fee: Applies to payments for goods/services in a different currency, refunds beyond 1 day, and sending money to friends/family in a different currency.
- 3.0% Fee: Applies to all other PayPal transactions involving currency conversion.
Withdrawal Fees for PayPal Accounts
Withdrawing funds from your PayPal account to a bank account or card may incur fees, especially if currency conversion is involved. Here’s a summary of withdrawal fees for both personal and business accounts:
| Withdrawal/Transfer to | Withdrawal/Transfer Type | Rate |
|---|---|---|
| Bank account | Withdrawals to your U.S. account | 3.00% (Currency conversion fees apply) |
| Cards | Standard | 1.00% of amount transferred (Minimum and maximum fees apply based on the card withdrawal currency) |
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