PayPal
PayPal personal account
With a PayPal personal account, you can send and receive money, and buy things online and in person. A PayPal account enables you to make payments using your debit card, credit card, bank account, PayPal balance or other payment methods.
Savings & transaction accountsBank updated 1 Dec 2025
At a glance
- Pricing
- Rates on application
§ 02 — Fees · 16
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Other - Records Request Fee | Enquiry | $10 | — | We will not charge for records requested in connection with your good faith assertion of an error in your account. |
| Chargeback Fee | Event | $15 | — | Chargeback fees are based on the currency received. Chargeback fees do not apply if the transaction is eligible for the PayPal Seller Protection Policy. |
| Commercial Transaction Refund Fee | Event | No fee | — | If you issue a refund (partially or fully) of the Commercial Transaction payment, there are no fees to make the refund, but we will retain the full amount that you originally paid us. Your buyer’s ac… |
| Receiving eCheques | Event | $0 to $50 | — | Fees for receiving eCheque payments are based on payment currency and will not exceed the cap specified |
| Currency Conversion Fees | Other | $0 to $0 | — | If PayPal converts currency, it will be completed at the transaction exchange rate we set for the relevant currency exchange. The transaction exchange rate is adjusted regularly and includes a curren… |
| Other - Expanded Use Fee | Other | $0 to $2 | — | In general, there is no fee to open a PayPal account. However, we may charge an expanded use fee to increase your sending limit. This fee is refunded to your PayPal balance when you successfully comp… |
| PayPal Payouts (formerly Mass Pay) | Payment | 2.00% of balance | — | The fee for PayPal Payouts is 2% of the total payment amount. A maximum payment cap per recipient applies, based on payment currency. |
| Sending Commercial Transaction | Payment | $0 to $0 | — | When no currency conversion is involved, there is no fee for sending Commercial Transactions (i.e., buying something) |
| Sending Domestic Personal Transaction | Payment | $0 to $0 | — | Funded by PayPal Balance or Australian Bank Acct - FREE; Any portion funded by a card - 2.6% of the portion funded + fixed fee based on the currency |
| Sending International Personal Transaction | Payment | 5.00% of balance | — | Funded by PayPal Balance or Australian Bank Acct - 5% of the send amount, but no lower than $0.99AUD, and no higher than $5.99 AUD. Funded by credit card - 5% of the send amount, but no lower than $0… |
| Australia Fixed Fee | Transaction | $0.05 to $0.30 | — | Fixed fees are based on the currency received and transaction type. These fees are based on AUD as the currency received - for other country currency fees, see section 17.8 in the T&C link provided i… |
| Micropayment Pricing | Transaction | $0 to $0 | — | If you qualify as a seller for the micropayment pricing fees as set out in our User Agreement, you will pay the lesser of the: Micropayment pricing fees 5% + fixed fee (Domestic) - 5.5% + fixed fee (… |
| Receiving Domestic Commercial Transaction | Transaction | $0 to $0 | — | Fees for receiving Commercial Transactions are taken from the total transaction amount. The fixed fees for each currency are in clause 17.8 of the T&C link provided in the additionalInfoUri field |
| Receiving Fees for Registered Charities and Not-For-Profit Organisations | Transaction | $0 to $0 | — | Registered Charities and Not-For-Profit organisations may apply for the following special rates for receiving PayPal Wallet Online Transactions |
| Receiving International Commercial Transaction | Transaction | $0 to $0 | — | Fees for receiving Commercial Transactions are taken from the total transaction amount. |
| Other - Withdrawal Balance Fee | Withdrawal | 1.00% of balance | — | The fee for withdrawing your balance to an eligible linked debit card or bank account is 1% of the amount transferred, with a minimum and maximum fee depending on the currency withdrawn. For AUD with… |
§ 03 — Features
Accepting Payments from Buyers for Goods and Services (Commercial Transactions)Make Payments for Goods and Services (Commercial Transactions) or Send Money to Friends and Family (Personal Transactions)Estimates & InvoicesWithdraw Money
- · Key Benefits. Refer to PayPal's Combined Financial Services Guide and Product Disclosure Statement.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: You must be a resident of Australia
- · Terms and Conditions. Refer to the shared URL for complete terms and conditions.
§ 05 — Compare
§ 06 — Run the numbers
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Published by PayPal Australia under the Consumer Data Right, last changed by them on 1 Dec 2025. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.