--- title: "PayPal personal account — PayPal Australia" description: "Transaction & Savings Accounts from PayPal Australia. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/paypal-australia/products/PayPalPersonalAcct source: "CDR Compare" language: en-AU last_updated: 2025-11-30T14:00:00.00Z --- # PayPal personal account — PayPal Australia > Transaction & Savings Accounts from PayPal Australia. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Transaction & Savings Accounts · PayPal** 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. ## Apply Applications are handled by the provider: [Apply at PayPal Australia](https://www.paypal.com/au/welcome/signup/#/email_password) ## 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 - Funding Fee = Free. Funded by credit card - 2.6% of the portion funded by the card plus a fixed fee based on currency · 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 — 2.9% + fixed fee (Wallet Online Transactions), 1.5% + fixed fee (Direct Card Transactions & Other Payment Methods), 3.6% + fixed fee (Virtual Terminal), 1.20% (QR Code in person) · 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 — 3.9% + fixed fee (Wallet Online Transactions), 3.6% + fixed fee (Direct Card Transactions & Other Payment Methods), 4.6% + fixed fee (Virtual Terminal), 2.20% (QR Code in person) · Fees for receiving Commercial Transactions are taken from the total transaction amount. | Transaction | $0.00 – $0.00 | | Receiving Fees for Registered Charities and Not-For-Profit Organisations — Domestic Transactions: 1.1% + fixed fee; Cross-border Transactions: 2.1% + fixed fee. The fixed fee rates are contained in Clause 17.8 in the document link contained in additionalInfoUri field · Registered Charities and Not-For-Profit organisations may apply for the following special rates for receiving PayPal Wallet Online Transactions | Transaction | $0.00 – $0.00 | | Micropayment Pricing — You can apply for the following micropayment fees. These fees apply to all Commercial Transactions you receive. If you have both a micropayment fees-enabled account and a standard pricing account, it is your responsibility to ensure payments are received to the appropriate account. Once a payment is received, you may not request it be processed through a different account. 5% + fixed fee (Domestic) and 6% + fixed fee (International) · 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 (International) OR Fees described in the 'Receiving Commercial Transactions' Fee | Transaction | $0.00 – $0.00 | | Australia Fixed Fee — $0.30 AUD (Personal Transaction fixed fee), $0.30 AUD (Commercial Transaction fixed fee), $0.05 AUD (Micropayments fixed fee) · 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 in the additionalInfoUri field. | Transaction | — | | Currency Conversion Fees — For some uses of your PayPal account, PayPal may determine currency conversion is necessary. For any of the following transactions that involve a currency conversion in connection with your PayPal account, the currency conversion fee is 4.0%: * Paying for goods or services in a currency other than the currency the goods or services are listed in. * Receiving a refund beyond 1 day of the original payment. * Sending money to a friend or family member such that they receive a different currency from the currency you pay in. * Sending money using PayPal’s Payouts (formerly Mass Pay) such that your recipients receive a different currency from the currency you pay in. * For all other PayPal transactions involving a currency conversion, the currency conversion fee is 3.0%. · 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 currency conversion fee applied and retained by us on a base exchange rate to form the rate applicable to your conversion. The base exchange rate is based on rates within the wholesale currency markets on the conversion day or the prior business day; or, if required by law or regulation, set at the relevant government reference rate(s). | Other | $0.00 – $0.00 | | Chargeback Fee — Chargeback fees are based on the currency received. Chargeback fees do not apply if the transaction is eligible for the PayPal Seller Protection Policy. | Event | $15.00 | | Receiving eCheques — Fee will not exceed $50 AUD (cap). · Fees for receiving eCheque payments are based on payment currency and will not exceed the cap specified | Event | $0.00 – $50.00 | | PayPal Payouts (formerly Mass Pay) — $1.25 AUD (Domestic Cap), $60.00 AUD (Cross-border Cap) · The fee for PayPal Payouts is 2% of the total payment amount. A maximum payment cap per recipient applies, based on payment currency. | Payment | 2% of balance | | Commercial Transaction Refund Fee — The amount of the refunded payment will be deducted from your PayPal account · 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 account will be credited with the full or partial refund amount of the Commercial Transaction payment and your account will be debited with the full or partial refund amount | Event | $0.00 | | Other - Expanded Use Fee — The expanded use fee (verifying card details) can be up to $2 AUD. · 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 complete the card verification process. | Other | $0.00 – $2.00 | | Other - Records Request Fee — We will not charge for records requested in connection with your good faith assertion of an error in your account. | Enquiry | $10.00 | | Other - Withdrawal Balance Fee — Any conversion of your PayPal balance from one currency to another currency will attract the corresponding currency conversion fee in clause 17.10 of the T&C link provided in the additionalInfoUri · 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 withdrawals: min AUD 0.25, max AUD 10.00. Minimum and maximum fees by currency are listed below where available. | Withdrawal | 1% of balance | ## 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.) - **Key Benefits. Refer to PayPal's Combined Financial Services Guide and Product Disclosure Statement.** ## Eligibility - **Minimum age** — 18 years (Legal 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 from PayPal Australia - [Overview](https://www.paypal.com/au/webapps/mpp/merchant) - [Terms & conditions](https://www.paypal.com/au/webapps/mpp/ua/legalhub-full) - [Eligibility](https://www.paypal.com/au/webapps/mpp/ua/legalhub-full) - [Fees & pricing](https://www.paypal.com/au/webapps/mpp/ua/cfsgpds-full?locale.x=en_AU#int_18_Fees_and_charges) ## Data provenance - Published by PayPal Australia under the Consumer Data Right - Product ID: `PayPalPersonalAcct` - Last updated by the provider: 30 November 2025 - Source payload (JSON): https://www.cdrcompare.au/api/raw/paypal-australia/PayPalPersonalAcct - Provider page: https://www.cdrcompare.au/brands/paypal-australia - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000309 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/paypal-australia/products/PayPalPersonalAcct) — product data published by Australian data holders under the Consumer Data Right. 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