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    Paypal Exchange Rates

    Exchange Rates aren't all the same! Its hard to predict the currency markets but you can always save money by comparing Paypal margins and fees to those charged by your bank or FX provider.

    PayPal exchange rates at a glance

    When you use PayPal to convert the payments you have received or send a payment in a different currency, the total cost will depend on how you pay but generally you will be charged between 4 to 7 percent of the total amount being converted.

    How is PayPal's exchange rate calculated?

    The base foreign exchange rate at which PayPal obtains foreign currency is determined by 3rd party financial institutions, and are adjusted regularly based on market conditions. The exchange rate that PayPal then provides you also includes a processing fee above the base rate.

    The exchange rate provided by PayPal is fixed for each currency and does not change for small or large amounts.

    If you use your credit card to send a payment, you can usually opt to use your credit card provider’s conversion rate instead of PayPal's.

    If you choose to use MasterCard or Visa’s exchange rate, the applied conversion rate will be shown on your credit card statement, and not at the time of the transaction.

    Compare Paypal Exchange Rates

    The below comparison table makes it easy to calculate the Total Cost you are being charged from Paypal and the possible savings of using other FX providers.

     

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