PayPal UK Fee Calculator
Quickly calculate your PayPal UK fees and see your net earnings instantly.
Last Updated: Apr 12, 2025
Understanding PayPal UK Fees
PayPal is a widely used payment platform for both personal and business transactions. While it offers convenience and security, understanding the fees associated with different types of transactions is essential to avoid surprises. Below, we break down PayPal UK fees for consumers and merchants, including domestic and international transactions, donations, and currency conversions.
PayPal Consumer Fees UK
PayPal charges different fees depending on the type of transaction. For consumers, fees are generally lower or nonexistent for personal transactions, but certain activities like currency conversions or international payments may incur additional costs.
| Transaction Type | Domestic Fee | International Fee |
|---|---|---|
| Buying with PayPal | No fee (Currency conversion fees apply) | |
| Sending money to friends and family | No fee | 5% of the transaction amount (min £0.99, max £2.99) |
| Receiving donations | 2.9% + fixed fee | Additional 1.29% (EEA) or 1.99% (other markets) |
| QR code transactions (GBP 10.01 and above) | 1.5% + fixed fee | Additional 1.29% (EEA) or 1.99% (other markets) |
| QR code transactions (GBP 10.00 and below) | 2% + fixed fee | Additional 1.29% (EEA) or 1.99% (other markets) |
For more details on personal fixed fees and additional charges, visit: PayPal’s UK Official Consumer Fees Page
PayPal Merchant Fees UK
Merchants using PayPal to accept payments for goods or services are subject to commercial transaction fees. These fees vary depending on the payment method, transaction type, and whether the transaction is domestic or international.
| Transaction Type | Domestic Fee | International Fee |
|---|---|---|
| Standard commercial transactions | 2.9% + fixed fee | Additional 1.29% (EEA) or 1.99% (other markets) |
| Receiving donation | 2.9% + fixed fee | Additional 1.29% (EEA) or 1.99% (other markets) |
| Charity transactions | 1.4% + fixed fee | Additional 1.29% (EEA) or 1.99% (other markets) |
| Micropayments (under £5.00) | 5% + fixed fee | 6% + fixed fee |
| Alternative Payment Method (APM) | 1.2% + fixed fee | |
| QR code transactions (GBP 10.01 and above) | 1.5% + fixed fee | Additional 1.29% (EEA) or 1.99% (other markets) |
| QR code transactions (GBP 10.00 and below) | 2% + fixed fee | Additional 1.29% (EEA) or 1.99% (other markets) |
For more details on business fixed fees and additional charges, visit: PayPal’s UK Official Merchant Fees Page
Currency Conversion Fees
PayPal charges a currency conversion fee for transactions involving a currency exchange. This fee is applied on top of the base exchange rate and is consistent across both consumer and merchant transactions.
- Currency Conversion Rate: 3% above the base exchange rate.
- Example: If you send £100 to a recipient in USD, PayPal will convert the amount at its exchange rate plus a 3% fee.
Key Takeaways
- Personal transactions (e.g., sending money to friends and family) are usually free for domestic payments but may incur fees for international transfers.
- Merchants are charged standard commercial transaction fees, which vary based on payment type and transaction size.
- Donations and charity transactions have specific rates, with lower fees for approved charity accounts.
- Currency conversions always include a 3% fee on top of the base exchange rate.
Understanding these fees can help you make informed decisions when using PayPal for personal or business transactions. Use the calculator above to estimate fees for your specific transactions.
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