Paypal wire transfer: transfer time, fees, and limits

If you’re a Paypal account holder, you may be seeking easy ways to send wire payments domestically or internationally. Take a look at this guide to learn about transfer time, fees, limits and more!

Paypal Domestic Wire Transfer Fees

You have the option to make a domestic wire transfer online, via mobile banking service or by personally visiting your preferred branch. If you prefer the latter, make sure to set an appointment with a specialist.

For domestic wire transfers, provide the following information:

Recipient’s name and contact details.
Recipient’s bank account details and transit number.
Wire routing number (also called the ABA code).
Details of the payment amount and the desired processing date.

Type of wire transfer	Fee
Incoming Domestic Wire	May vary by currency
Outgoing Domestic Wire	No fee (if funded in EEA in EUR/SEK and when no currency conversion is involved) • 3.4% + fixed fee\"

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Paypal International Wire Transfer Fees

For international wire transfers with Paypal, you’ll need to following information:

Name and address of the recipient in the foreign country.
Recipient’s overseas bank account number.
Recipient bank ID, like a SWIFT code, BIC or national ID.
Foreign currency of the recipient’s bank account for currency exchange.
Purpose of the wire transfer.

Type of wire transfer	Fee
Incoming International Wire	May vary depending on the market/region
Outgoing International Wire	May vary depending on the country you are sending to, the amount you are sending and the payment method you select

Paypal Wire Transfer Limit

Paypal has wire transfer limits on outgoing wire transfers through its online banking system, particulary:

Type of transfer	Limit
Daily Minimum Limit	$1.00
Daily Maximum Limit	May range from 10,000.00 USD to 60,000.00 USD, depending on your currency and account type

Paypal Cutoff Times

Keep in mind that Paypal imposes a strict cut-off time for both domestic and international wire transfers. Make wire transfers before this designated time to ensure timely processing!

Type of wire transfer	Cut-Off time
Domestic Wire Transfer	7:00 pm Eastern Time, Sunday through Thursday
International Wire Transfer	7:00 pm Eastern Time, Sunday through Thursday

Sources

About ACH Payments
Help Center- Personal Account
PayPal Consumer Fees

Disclaimer

The information provided in this guide is intended for general informational purposes only. While every effort has been made to ensure the accuracy of the information, banking policies and fees may be subject to change. Users are strongly advised to verify specific details and consult with their banks should they have any questions or concerns.

Instarem assumes no responsibility for any errors or omissions in this guide, or for any actions taken based on the information provided herein.

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If you cannot find the location you would like to send to, it means we currently do not support transfers to that destination, but we are working on it! Do come back and check again as we are continuously updating our services.

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If you cannot find your desired currency pair, it means that transfers to that specified currency are not supported by our services, but we are working on it! Do come back and check again as we are continuously updating our services.