Documenting finance

Paypal Fees in Kenya (Simplest Breakdown)

Paypal fees in Kenya

Paypal has the most complicated fee structure on the market.

In this article, we try to break down PayPal fees in Kenya for you.

The fees vary based on whether you are carrying out a consumer or a merchant transaction, and the source of your funds.

Paypal fees too expensive?

If sending money to Kenya is too expensive and complicated with PayPal, then use these two options instead:

With these options, you can send money directly to M-Pesa accounts or bank accounts.

For the tables below, we indicate currencies using country currency ISOs for each country. For instance, KES stands for Kenyan shilling, EUR for Euro, and USD for US Dollar.

Paypal fees Kenya

Here is a summary of fees for Kenyan Paypal accounts:

1) General Paypal fees for Kenyans

Transaction typeRates
Opening a Paypal account in KenyaFree
Card confirmation charge (refunded)$1.95

2) Paypal withdrawal fees.

In Kenya, you can withdraw your funds through two channels:

Bank account withdrawal charges

Transaction descriptionFees
When no conversion is involved, and the withdrawal amount equivalent is more than KES, 20,000FREE
Withdrawal amount is less than Kenya shilling 20,000KES 105

Paypal Mpesa charges

Type of transfer Fees
Withdrawing from Paypal to Mpesa3%
Topping up Paypal with Mpesa3% + Paybill charges

For current Thunes’ Paypal to Mpesa change rates, be sure to read our article.

3) Making purchases via Paypal

Source of fundsPaypal fees
Buying with your Paypal balance (Provided there’s no currency conversion involved)FREE

4) Sending money to other Paypal Kenyan accounts

This is called a domestic personal transaction:

Send money from (source of funds)Paypal fees
Paypal balanceFree
Bank accountsNot applicable (you can’t link a Kenyan bank account to Paypal)
Cards3.4% + fixed fee.
Partial funding (Paypal balance plus card)Fees will be pro-rated based on the two structures above

5) Receiving money from other Paypal Kenyan accounts

Type of transactionCharges
When no currency conversion involvedFree

6) Sending money internationally

When you send money from Kenya to other countries, you will incur the following fees:

Source of fundsSending to (country)Rates
Paypal balanceAny Paypal-supported country$ 4.99
CardsAny Paypal-supported country$ 4.99 USD + 3.4% + fixed fee

Paypal fixed fees table

For the rates above where it includes a fixed fee, you can use the table below to check the exact fee for the country you are sending to.

For instance, if sending to the US, the fixed fee is $0.3. So here are the rates:

  • Sending money from Kenya to USA (Paypal balance): $4.99
  • Sending money from Kenya to the USA (with your bank card): $4.99 + 3.4% + $0.3 (i.e the fixed fee)

Fixed fees for various receiving countries:

CurrencyFee
Australian dollar0.30 AUD
Brazilian real0.60 BRL
Canadian dollar0.30 CAD
Czech koruna10.00 CZK
Danish krone2.60 DKK
Euro0.35 EUR
Hong Kong dollar2.35 HKD
Hungarian forint90.00 HUF
Israeli new shekel1.20 ILS
Japanese yen40.00 JPY
Malaysian ringgit2.00 MYR
Mexican peso4.00 MXN
New Taiwan dollar10.00 TWD
New Zealand dollar0.45 NZD
Norwegian krone2.80 NOK
Philippine peso15.00 PHP
Polish zloty1.35 PLN
Russian ruble10.00 RUB
Singapore dollar0.50 SGD
Swedish krona3.25 SEK
Swiss franc0.55 CHF
Thai baht11.00 THB
UK pounds sterling0.20 GBP
US dollar0.30 USD
Moneyspace Ke
Moneyspace Ke
We understand the hustle of everyday Kenyans – the drive to do more, save more, and be more, all while not earning just enough. At Money.ke, we aim to provide reliable information to help you build a scalable sidehustle business. Subscribe to find insights on financial products, practical saving tips, and viable business ideas in Kenya. 🇰🇪🤝📈.
Moneyspace Ke
Moneyspace Ke
We understand the hustle of everyday Kenyans – the drive to do more, save more, and be more, all while not earning just enough. At Money.ke, we aim to provide reliable information to help you build a scalable sidehustle business. Subscribe to find insights on financial products, practical saving tips, and viable business ideas in Kenya. 🇰🇪🤝📈.

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