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.
Fees
| Fee | Type | Amount |
|---|---|---|
| Sending Domestic Personal Transaction 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 | Payment | $0.00 – $0.00 |
| Sending International Personal Transaction 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 $0.99AUD, and no higher than $5.99 AUD. | Payment | 5% of balance |
| Sending Commercial Transaction When no currency conversion is involved, there is no fee for sending Commercial Transactions (i.e., buying something) | Payment | $0.00 – $0.00 |
| Receiving Domestic Commercial Transaction 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 | Transaction | $0.00 – $0.00 |
| Receiving International Commercial Transaction Fees for receiving Commercial Transactions are taken from the total transaction amount. | Transaction | $0.00 – $0.00 |
Features
- Digital wallet — Accepting Payments from Buyers for Goods and Services (Commercial Transactions)
- Enable customers to pay any way they want from almost anywhere. Let them pay now, pay later, or offer subscriptions or global and local payment options.
- Digital wallet — Make Payments for Goods and Services (Commercial Transactions) or Send Money to Friends and Family (Personal Transactions)
- Move money from your PayPal account to your bank, pay for goods or services online or in person with your PayPal account balance. Or transfer funds to pay vendors electronically.
- Digital wallet — Estimates & Invoices
- Send a professional invoice or estimate in minutes. Customers can pay with PayPal or debit and credit card, and you can manage your invoice payments in a single place. When you request a payment, we’ll send the recipient a notification and let you know when you’ve been paid.
- Digital wallet — Withdraw Money
- If you have funds in your PayPal account, you may withdraw them to the linked bank account you hold with a financial institution in Australia or the United States of America. If you have funds in your account that are held in a foreign currency, they’ll usually be converted to Australian Dollars prior to withdrawal.
Eligibility
- Minimum age — 18 yearsLegal Agreements for PayPal Services
- Residency status — You must be a resident of Australia Legal Agreements for PayPal Services
- Terms and Conditions. Refer to the shared URL for complete terms and conditions.
More Information
Published by PayPal Australia under the Consumer Data Right · Last updated 30 November 2025 · Product ID PayPalPersonalAcct · View on CDR.gov.au