Personal Finance Tips

PayPal sending limits: A guide

Zorica Lončar

03.05.22 (updated more than 1 year ago)

Read time 1 minute

New to PayPal? If you’ve just opened an account, you’ll want to know more about what you can do with PayPal. And crucially, whether there are any limits on sending money and other transactions.

In this handy guide, we’ll cover everything you need to know about PayPal sending limits. This includes how to find out what your account’s sending limit is, and how to increase it.

And for those times when you need to send larger sums, we’ll look at an alternative solution - the Wise multi-currency account.

How to check PayPal sending limits

The easiest way to find out your PayPal sending limits is by logging into your account. Head to paypal.com, login and see whether any restrictions apply to your account. This may be in ‘Notifications’ at the top of the page.

Alternatively, you can start to set up a payment, and you’ll be notified if the amount exceeds the permitted limit.

PayPal sending limit for unverified accounts

The most common reason why your PayPal account may have a sending limit is because it’s new.

When you first sign up to PayPal, your account will initially have an ‘Unverified’ status. This will be changed to ‘Verified’ once you link and confirm your bank account and debit/credit card¹.

Until then, you’ll have limits on how much you can send, receive and withdraw.

What is the PayPal sending limit per day?

PayPal doesn’t have details of specific spending limits on its website, so you may need to login to your account to check your own individual limits.

However, other sources suggest that for Unverified accounts, the maximum you can send is £1,000 and the most you can receive is £1,900².

Once your account is Verified, you should be able to spend between £10,000 and £60,000 using PayPal³.

How to increase your PayPal sending limit

The best way to increase your PayPal sending limit is to get your account Verified as quickly as possible. Follow these steps⁴:

Add and confirm your bank account
Link and confirm a credit or debit card
If you have a business account, provide your business information.

Send large amounts for low fees and the real exchange rate with Wise

With the Wise multi-currency account, it’s easy to check the sending limits for your chosen currency - just click here and choose your currency.

Need to send large amounts? No problem. You can send money worldwide for low, transparent fees and the mid-market exchange rate. And the more you send, the more you save.

All you need to do to send a large amount with Wise is provide a few extra details to verify where your money comes from. This is to comply with the law and keep your money safe. See how it works here.

Join Wise today

Sources used for this article:

PayPal - how can I remove sending limits
ICTSD - how much money can I send through PayPal
PayPal - maximum sending amounts
PayPal - account limits

Sources checked on 30-04-2022.

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.