PayPal Friends & Family Fee Calculator
Check domestic or international PayPal Friends and Family fees by country, currency and funding source. See what the sender pays and the recipient receives, separately from private cost sharing.
The fee is added to the transfer amount.
- Account types
Both accounts must be personal
This calculator does not cover business accounts.
Use each PayPal account’s registered country, regardless of language or current location. Availability depends on the country and account.
Funding and receipt in the same currency. 2 decimal places.
Personal payments through PayPal with eligible funding methods only. Excludes purchases, donations, split funding and third-party payment flows.
PayPal billing
PayPal charges the sender
PayPal charges the sender on top of the transfer amount. The recipient receives the full USD amount without conversion. This is a published-rate estimate, not a live quote.
Domestic fee treatment · USD
- Sender pays PayPal
- $103.20
- Receiver gets in PayPal
- $100.00
- PayPal fee charged to sender
- $3.20
Fee breakdown
- Funding: 2.90%
- $2.90
- Fixed card fee (USD)
- $0.30
- International surcharge
- $0.00
Card issuer charges, withdrawals and later conversion are excluded. Confirm the final amount and availability in PayPal. PayPal Debit Card counts as balance funding.
Private cost sharing: simulation
An agreement between the parties does not change who PayPal charges. Any reimbursement is assumed to happen separately with no additional fee.
- Private reimbursement to sender
- $0.00
- Sender cost after reimbursement
- $103.20
- Receiver net after reimbursement
- $100.00
Who pays the fee to send $100 through Friends & Family?
For a domestic USD card-funded transfer between US personal accounts, PayPal charges the sender $3.20: the sender pays $103.20 and the recipient receives $100.00. A qualifying balance- or bank-funded domestic transfer has no sending fee.
No currency conversion. Personal transfers only, not purchases. Private cost-sharing agreements do not change whom PayPal charges; other countries and funding methods can differ.
Source: PayPal US fees · Rate last verified
Check your countries and funding method in the Friends & Family calculator
Sources and coverage limits
Reviewed October 10, 2026. Choose countries and territories worldwide. Personal fees depend on the sender’s country, destination, currency and funding source. A country appearing in the list does not guarantee Friends & Family availability there.
Published rates with conditional availability require confirmation. Unverified combinations and currency conversion need a PayPal quote; merchant fees are never substituted. BRL, CNY, MYR and RUB are not quoted here because of currency or service restrictions.
Official rule: Sending domestic personal transactions; fixed fee based on currency received (paypal-personal-US-US-card-funding, v3) | Verified 2026-10-10
Official rule: Receiving personal transactions (paypal-US-personal-receipt, v1) | Verified 2026-10-10
Does PayPal Friends and Family charge a fee?
Fees depend on the sender account country, destination, funding source and currency. For example, US domestic USD card transfers cost 2.90% + $0.30, while UK domestic personal transfers have no PayPal fee without conversion. International fees can be a fixed amount or a separately capped percentage. Select the registered countries of both accounts; regional availability restrictions still apply.