PayPal Fee Calculator UK
CheckedThis PayPal fee calculator UK sellers can use shows what PayPal takes from a payment, what you receive, and what to charge to keep your price. Free, no sign-up, and the result updates as you type.
PayPal UK charges 2.9% + 30p to receive a standard commercial payment from a UK payer, so £100 costs £3.20 and £96.80 lands in your account. A payer in the EEA adds 1.29% and one anywhere else 1.99%.
Selling in the US? The PayPal Fee Calculator uses US rates in dollars.
Enter your numbers
A UK PayPal account pays 2.9% + 30p to receive a commercial payment: anything sold for goods or services, an invoice, a checkout button or a money request. Two things change that. How the buyer pays: a card payment from someone without a PayPal account costs 1.2% + 30p, and Buy Now Pay Later costs 3.9% + 30p. And where they are: a payer in the EEA adds 1.29%, and one anywhere else, the US included, adds 1.99%. The flat 30p hits small payments hardest, which is why the real rate on a £10 sale is far above 2.9%. This calculator works out what you receive, then what to charge so the full amount still lands in your account.
How are PayPal UK fees calculated?
You receive = amount − (amount × (rate + international surcharge) + £0.30). To receive the full amount, charge (amount + £0.30) ÷ (1 − rate). Rate is 2.9% as standard, 1.2% for a guest card payment, 3.9% for Buy Now Pay Later; the surcharge is 1.29% from the EEA and 1.99% from elsewhere
LaTeX source
\text{Net} = A - \left(A \times \frac{r + i}{100} + 0.30\right), \qquad G = \frac{A + 0.30}{1 - \frac{r + i}{100}} How much are PayPal UK fees in 2026?
| Fee | Rate | Applies to |
|---|---|---|
| Standard commercial payment Goods and services, invoices, checkout and money requests. A tiered plan on request goes down to 2.1%. | 2.9% + 30p | Goods and services, invoices, checkout and money requests. A tiered plan on request goes down to 2.1%. |
| Card payment without a PayPal account | 1.2% + 30p | |
| Buy Now Pay Later PayPal Credit excepted. | 3.9% + 30p | PayPal Credit excepted. |
| Added when the payer is in the EEA | 1.29% | |
| Added when the payer is anywhere else The US and Canada included. | 1.99% | The US and Canada included. |
UK rates, from the sources listed at the bottom of this page. The calculator above applies exactly these rates.
How much do you receive from a PayPal UK payment?
| Payment | PayPal UK fees | You receive | Real rate |
|---|---|---|---|
| £10 | £0.59 | £9.41 | 5.9% |
| £25 | £1.02 | £23.98 | 4.08% |
| £50 | £1.75 | £48.25 | 3.5% |
| £100 | £3.20 | £96.80 | 3.2% |
| £250 | £7.55 | £242.45 | 3.02% |
| £500 | £14.80 | £485.20 | 2.96% |
| £1,000 | £29.30 | £970.70 | 2.93% |
A standard commercial payment from a UK payer. To receive an exact amount instead, the calculator above works out what to charge.
Worked examples
A £100 payment from a buyer in the UK
£96.80 received
PayPal takes 2.9% of £100 (£2.90) plus the 30p fixed fee, so £3.20, and £96.80 reaches your account. To receive the full £100 you would need to charge £103.30, because the fee is charged on the higher amount as well.
The numbers used
- Payment amount
- 100
- How they pay
- standard
- Payer is in
- uk
The same £100 from a buyer in the US
£94.81 received
A payer outside the UK and the EEA adds 1.99% to the 2.9% rate, so PayPal charges 4.89% (£4.89) plus 30p: £5.19 in all. You receive £94.81, £1.99 less than from a UK buyer. From an EEA buyer the surcharge is 1.29% and you would receive £95.51.
The numbers used
- Payment amount
- 100
- How they pay
- standard
- Payer is in
- other
Questions sellers ask
How much is the PayPal fee in the UK?
PayPal's fee in the UK is 2.9% + 30p on most payments a UK account receives for goods and services, invoices, checkout and money requests. On a £50 sale that is £1.75. A card payment from a guest without a PayPal account costs 1.2% + 30p, and Buy Now Pay Later 3.9% + 30p. Payments from outside the UK cost more: 1.29% extra from the EEA and 1.99% from elsewhere.
What is the PayPal fee on £100?
£3.20 from a UK buyer, so you receive £96.80. From a buyer in the EEA the fee is £4.49 (you receive £95.51), and from anywhere else, the US included, it is £5.19 (you receive £94.81). If the buyer pays by card without a PayPal account, the fee on £100 is £1.50.
What are the PayPal fees for 2026?
In the UK in 2026, PayPal charges 2.9% + 30p to receive most domestic commercial payments, according to its UK business fees page as last updated on 1 October 2026. A guest paying by card without a PayPal account costs 1.2% + 30p, and Buy Now Pay Later 3.9% + 30p; a payer in the EEA adds 1.29%, and one anywhere else 1.99%. On £100 from a UK buyer the fee is £3.20, and to receive the full £100 you would charge £103.30.
What does PayPal charge on a card payment without a PayPal account?
1.2% + 30p, when a buyer pays by card as a guest under PayPal's terms for payments without a PayPal account. That is much less than the standard 2.9% + 30p for a payment from a PayPal account, so on a £100 sale it costs £1.50 instead of £3.20. A payer outside the UK still adds the international surcharge.
Is there a cheaper PayPal rate for high-volume sellers?
Yes, but only on request. PayPal's optional tiered plan charges 2.9% + 30p while last month's eligible sales were up to £4,000, 2.4% + 30p between £4,000 and £8,000, and 2.1% + 30p above £8,000. You have to contact PayPal to join it; until it confirms, the standard rate applies.
Does PayPal charge to convert currency?
Yes. When a UK business account converts a balance, or receives a payment where it has agreed to bear the conversion, PayPal uses a rate 3% above its base exchange rate. That is separate from the international surcharge, so a payment in another currency from abroad can cost both.
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