We explain whether and which fees exactly apply when using PayPal. And how you can save.
The simple and fast online payment system Paypal is also very popular in Germany.
No PayPal fees when shopping online for the buyer
A common question we get: Are there any fees for using PayPal or is PayPal free? The question can be answered very simply: It is not just the creation and use of a PayPal account that is free of charge for consumers. Even if you pay for goods or services when shopping online via Paypal, there are no fees for you as a consumer. However, there are retailers and sellers who pass on their costs for PayPal (see below) to customers.
Sending money to Paypal friends in the EU free of charge
When sending money to family, friends or acquaintances, there are no extra costs if the money is sent within the EU
no currency conversion takes place. Such “personal payments” are therefore free of charge, regardless of the payment source used (existing credit, bank account, credit card, etc.).
For all other personal payments, PayPal charges a fee of 5 percent of the transaction amount, with a minimum charge of 99 cents and a maximum of EUR 3.99 per transaction. The sender generally pays the fee and the sender is also informed of the fees incurred before making the payment.
In general, the following applies:
The recipient of the money never pays any fees for “personal payments”.
Sellers have to pay these fees at PayPal
In principle, every seller who wants to offer his customers PayPal as a payment option for the goods and services he offers must pay fees. How high these fees are depends on various factors.
The fee for receiving payment is initially 2.49 percent of the amount received plus EUR 0.35 per transaction. The sellers also have the option of registering as a dealer with PayPal and thereby receiving the dealer conditions after a check by PayPal.
Monthly transaction volume
Fee per transaction
2,000.01 to 5,000 euros
5,000.01 to 25,000 euros
25,000.01 to 100,000 euros
> 100,000 euros
With a monthly transaction volume of 5,000 to 25,000 euros via the Paypal account, a variable fee of 1.99 percent plus 0.35 euros per transaction will apply. With a monthly transaction volume of over EUR 25,000, the variable fee is reduced to 1.79 percent plus EUR 0.35 per transaction. Find more info On this PayPal page under “Merchant Fees”.
For micro payments Paypal charges a fee of 10 percent plus 10 euro cents. For donations, the fee is 1.5 percent plus 0.35 euros.
At dealers who Paypal Plus use, the following conditions apply: