PayPal Business transfer limit: Max, min, and top tips

Panna Kemenes

The PayPal Business account has minimum and maximum transfer limits. These transfer limits are designed to keep your money safe.

With PayPal Business transfer limits in place, there’s much less risk of making a costly mistake or losing money through fraudulent activity. But what exactly are the PayPal Business transfer limits? Read on to find out.

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What is the PayPal Business transfer limit?

PayPal Business account limits prevent substantial transactions from unauthorized users. But they’re also in place to make sure you don’t accidentally send a large sum of money.

The PayPal Business transfer limit, without a verified account, is $4000.

If your account is verified, you’re free to send up to $60,000 per transaction. Though you can be limited to $10,000 for a single transaction, depending on your currency.¹

There’s no transfer limit on the amount of money you can transfer in a day.

What is the minimum PayPal Business transfer limit?

The minimum PayPal Business transfer limit is set at $0.01.

How do I find my PayPal sending limit?

To find your PayPal sending limit, take the following steps:

  1. Log in to your PayPal account
  2. Select ‘My Account’ at the top of the page
  3. Click ‘View Limits’ next to your PayPal balance

How can I lift my PayPal sending limit?

The only way to uncap your sending limit is to verify your account. To do this, simply link your bank account or credit card to your PayPal Business account.

Here are the steps to lift the limits on a verified PayPal Business account:

  1. Log in to your PayPal account
  2. Select ‘My Account’ at the top of the page
  3. Navigate to the Overview page and select ‘View Limits’ next to your PayPal balance
  4. Click ‘Lift Limits’
  5. Select the option you prefer to lift your sending limits and follow the on-screen instructions

PayPal transfer limit for instant transfers

PayPal offers instant transfers which allow you to send money immediately from your bank account. To make instant transfers you need a confirmed US bank account in addition to a backup funding source like a registered debit or credit card.

PayPal instant transfer limits are a lot higher for business account users than they are for consumers.

The instant transfer limits are as follows:²

Via bank account:

25,000 USD

Via card:

FrequencyMaximum (up to)
Per transaction50,000.00 USD
Per day100,000.00 USD
Per week250,000.00 USD
Per month500,000.00 USD

How can I lift PayPal Instant transfer limits?

There’s no way to lift the PayPal instant transfer limits due to the speed of the transfer.

⚠️ Instant withdrawal from your bank account or card will incur a fee of 1.50% of the total amount transferred plus a minimum fee of $0.50.³

Send money with Wise Business in the US and abroad

Money transfers to different currencies with PayPal will cost you 4.00%, or such other amount as may be disclosed to you during the transaction. This can result in significant fees when sending high amounts.⁴

You can save up to 19x compared to PayPal when sending money with Wise. You’ll always get the real mid-market rate, with any fees shown upfront.

Wise Business is a safe and regulated money transfer provider.

If your account address is in one of the licensed states, or in a country outside of the US (US territories excluded), you can send:

  • Up to 1 million USD per local transfer
  • Up to 1.6 million USD per SWIFT transfer
🔍 Learn more about USD transfers with Wise
The true cost of sending USD to GBP
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Meet Wise Business: A great PayPal alternative


  1. what is-the-maximum-amount-i-can-send-with-my-paypal-account
  2. PayPal Consumer Fees
  3. Fees | Merchant and Business | PayPal US
  4. PayPal merchant fees

All sources checked August 8, 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.

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