For a complete listing of PayPal market codes, please access our Market Code Table. Rather than send money directly from your bank account to your PayPal balance, you can link a credit card or a debit card to your PayPal account. Market Code Table: We may refer to two-letter market codes throughout our fee pages. International euro (EUR) or Swedish krona (SEK) transactions where both the sender and the receiver are registered with or identified by PayPal as resident in the European Economic Area (EEA) are treated as domestic transactions for the purpose of applying fees. When you send money (initiated from the Friends and Family tab of the Send Money flow) to friends and family without making an underlying commercial transaction (that is, the payment is not for the purchase of goods or services or for making any other commercial transaction), we call that a personal transaction. PayPal’s currency conversion fee to US or Canadian dollars is 3.5 but is 4 for other currencies. Additionally, if the sender needs to convert to a different currency before sending, the currency conversion fee is 4.5 or a different percentage amount if disclosed to you during the transaction. For a listing of our groupings, please access our Market/Region Grouping Table. PayPal’s International Currency Conversion Fee. Certain markets are grouped together when calculating international transaction rates. International: A transaction occurring when the sender and receiver are registered with or identified by PayPal as residents of different markets. PayPal Fees - Sending Money to Friends/Family Internationally 1 of total transfer - available if you use your PayPal balance and/or a bank account. Domestic: A transaction occurring when both the sender and receiver are registered with or identified by PayPal as residents in the European Economic Area (EEA). ![]() Stack your rewards Get cashback offers from brands you love and keep collecting your eligible credit card points on top of it all. You can also view these changes by clicking ‘Legal’ at the bottom of any web-page and then selecting ‘Policy Updates’. When funded by a bank account or with your PayPal balance, it’s free to send money or get paid back by friends and family in the US on PayPal. You can find details about changes to our rates and fees and when they will apply on our Policy Updates Page. Download printable PDF Last Updated: 14, August 2023
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