PayPal Fee Calculator: International & Domestic Transfer Pricing

Using PayPal for international invoicing or money transfer as a freelancer? We strongly recommend that you understand the fee structure – use this international PayPal fee calculator to find out more. More information

PayPal charges a flat fee per invoice and a percentage fee for international transactions (4.4% instead of 2.9% for domestic transactions), which can make things expensive – it also offers FX rates which may differ from the mid-market rates if you're sending from one country to another (e.g. USD to GBP).

The charges mean that you could be paying a lot to receive money using PayPal, especially if you're invoicing in USD but based outside of the US and receiving money in GBP, Euro or Canadian dollars. While fees are a common expense for freelancers, you should be trying to minimize the fees you are charged to receive funds in each transaction.

Use the below PayPal fee calculator (international and domestic) to work out exactly what the fees could be...

This page contains affiliate links – when you sign up for a service using them, we may earn a small fee to support our business (thank you!). Read our full guide to international invoicing for freelancers.

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Our calculations

See below for disclaimer and last updated time. This section contains affiliate links.

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Estimated amount received –
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PayPal Fees

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The fee levied by PayPal for this transaction
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The fixed fee levied by PayPal for this transaction
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The total fees levied by PayPal

PayPal FX (currency conversion) Rates

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The amount that will be converted by PayPal (your invoice, less PayPal's fees)
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Our estimation of the exchange rate PayPal will use for this transaction (last updated )
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The true mid-market rate
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The FX loss in your invoiced currency (calculated by comparing PayPal FX rates to the midmarket rate used by alternatives such as TransferWise).

Total Transaction Costs

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The total amount of the invoice you'll lose on this transaction (comprised of PayPal fees and the FX gap), in your invoicing currency.
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What you'll receive in your local currency, of your payment

This page contains affiliate links. This information is provided on an "as-is" basis and Clippings.me accepts no responsibility or liability for any errors or omissions. You should take all steps necessary to ensure that the information provided by the calculator is correct. Clippings.me provides no guarantee of completeness, accuracy, usefulness or timeliness and offers no warranties of any kind, express or implied.

Tips for international invoicing

Why we recommend TransferWise instead:

Transferwise is an online money transfer platform that gives account holders international bank details so that you can receive money in different currencies – with zero fees. We recommend TransferWise for all freelancers and use it extensively ourselves for international money transfers, invoice payments and maintaining foreign currency balances (e.g. making supplier payments in USD). The below link is an affiliate link which helps us keep this calculator online - we appreciate your support!

Try TransferWise Read the full guide
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Why we recommend Revolut instead:

Revolut supports transfers from employers in multiple currencies, and uses the interbank exchange rate employed by banks. It's a current account, so you can maintain a balance in multiple currencies and you won't get charged if you're in a foreign country and make a transaction.

Read The Guide

This page contains affiliate links.