Friends & Family PayPal Fee Calculator
Friends & Family (personal payments) have no Buyer Protection and are usually free within the same country when funded from a PayPal balance or bank. International personal payments still attract a cross-border percentage. Toggle Friends & Family in the calculator to see your exact cost.
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Rates updated 2026-11-01. Toggle Friends & Family to switch from commercial to personal rates instantly.
Calculate F&F feeF&F vs G&S at a glance
| Goods & Services | Friends & Family | |
|---|---|---|
| Buyer Protection | Yes | No |
| Domestic fee | 2.9–5.4% + fixed | Free (balance/bank) |
| International fee | Base + 1–4% + fixed | Cross-border % only, no fixed |
| Use for sales? | Yes | No — against terms |
Frequently asked questions
Is the PayPal friends and family fee calculator free?
Yes, the tool is free. Domestic Friends & Family transfers funded from a balance or bank are usually free — the calculator shows $0 fee. International F&F adds the receiving country’s cross-border percentage with no fixed fee.
When is Friends & Family actually free?
Same-country personal payments funded from a PayPal balance or linked bank account. Card-funded personal payments may still incur a fee depending on the country and card.
Can I use Friends & Family for business to avoid fees?
No. Using F&F for sales violates PayPal’s terms, voids Buyer/Seller Protection, and can trigger holds or account restrictions. Use Goods & Services for anything commercial.
How do I calculate an international F&F fee?
Select two different countries and Friends & Family mode in the main calculator. It applies only the cross-border percentage (e.g. about 1.5% for US receipts, 1.99% for UK receipts) with zero fixed fee.
Related: main PayPal fee calculator ·international fees ·goods & services ·reverse calculator ·UK rates ·India rates ·Philippines rates