Last Reviewed
April 12, 2026
Rate inputs and source links were rechecked against the current tracked PayPal business fee pages on this date.
PayPal Friends And Family Fee Calculator
Estimate personal transfer fees for PayPal Friends and Family based on sender market, receiver market, funding source, and who pays the fee.
Scenario Result
Modeled Fee Result
Modeled from the closest available card-funded PayPal payment row for this market.
Sender Pays
$100.00
Receiver Gets
$96.72
Fee
$3.28
Fee Breakdown
Percentage Fee$2.99
Fixed Fee$0.29
Effective Rate3.28%
Evidence Layer
How This Friends And Family Calculator Works
Friends and Family transfers do not follow the same clean merchant-fee rows as checkout and invoice pages, so this calculator uses a dedicated scenario layer with clear supported, free, and unsupported states.
Evidence Mode
Modeled Personal Transfer Scenarios
Domestic balance and bank-funded transfers are handled as free modeled scenarios where appropriate, while card-funded or cross-border cases use the closest tracked PayPal rate proxy or return unsupported.
Coverage
Sender Market + Receiver Market + Funding Source
This page is built for personal-transfer logic, not merchant checkout logic. That is why it needs more inputs than the main PayPal fee calculator.
Official Source Pages
Unsupported states are shown explicitly when the project does not have a reliable scenario for the selected market and funding combination.
The amount is modeled in the sender market currency for the transfer-side fee calculation shown on this page.
Domestic Personal Transfers
Domestic balance and bank-funded personal transfers are modeled as free where the project has a safe scenario rule.
Card-Funded Transfers
Card-funded personal transfers use the closest tracked PayPal card-funded proxy for the selected sender market.
Unsupported Cross-Border Cases
When the project does not have a reliable cross-border personal-transfer model, the page returns unsupported instead of inventing a fee.
Related PayPal Fee Pages
These related pages help when the personal transfer question turns into a merchant or refund question.
G&S Vs Friends And Family
Compare payment-type intent, protection expectations, and fee differences before using the wrong PayPal flow.
PayPal Fee Calculator
Return to the main calculator when the payment is actually a merchant transaction rather than a personal transfer.
Refund Loss Calculator
Use the refund calculator if the original transfer has already happened and the next question is how much the reversal costs.
Fee Sources And Methodology
Check the methodology page if you need to understand where modeled personal-transfer scenarios begin and direct fee rows end.
People Also Ask
Does PayPal Friends and Family charge a fee?
It depends on the funding source, sender market, receiver market, and whether the transfer is domestic or cross-border. This calculator models those personal-transfer scenarios separately from merchant fees.