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    PayPal Exchange Rates Reviewed

    It's hard to predict the currency markets, but you can always save money by comparing PayPal exchange rates and fees to those charged by market leading FX providers.

    PayPal exchange rates at a glance

    When you use the PayPal to make a foreign transfer the total cost will depend on how you pay, but generally you will be charged between 4%-7% percent of the total amount being converted depending on how you pay.

    When you use a debit/credit card to pay for your transfer you will be charged an extra 3% when you load your PayPal wallet.

    How is the PayPal 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.

    When you use the PayPal App in the US to send a payment to a different currency, you will be using Xoom, a PayPal Service.


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    You Can Save Money when you Compare PayPal Exchange Rate Margins & Fees

    The above comparison table makes it easy to calculate the Total Cost you are being charged on your currency transaction by PayPal versus the market mid-rate. It is easy to calculate any savings available from popular market-leading FX providers.


    Is US dollar expected to go up or down?

    This is always a difficult question as exchange rates are influenced by many factors, so a good method to consider the US dollar current value is to look the USD performance against a range of other currencies over various time periods.

    The following table looks at the performance of the USD exchange rate against other currencies over time periods from the previous 2 days back to the last 5 years.

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