PayPal transfer limits [2025]
Need to send a payment? Learn about the transfer limits at PayPal and the fees that may apply.
How to send money from Wise to PayPal
You can send quick and convenient transfers from PayPal® or Wise, including international payments in multiple currencies.
But can you send money from Wise to PayPal? We take a look at everything you need to know, including how to use Wise and PayPal for your international transactions.
We’ll also look at Wise – your global money transfer alternative. Send, spend, and receive your money at the fair mid-market exchange rate. Let’s dive in!
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Can you send money from Wise to PayPal?
PayPal and Wise are both peer-to-peer money transfer platforms. You can use your Wise or PayPal account to send digital transfers to friends and family – or easily pay for goods in-store.
Unfortunately, you may not be able to send a direct transfer from Wise to PayPal, but that doesn’t mean it’s not possible to transfer funds between the two platforms.¹
How to send money from Wise to PayPal
If you want to send money from Wise to PayPal, you may need to link both accounts to the same bank account or card.
You can transfer money from Wise to your bank account. Then, you can add money to your PayPal balance from the same account.
Let’s take a look at how to connect Wise to PayPal using a linked bank account.
Step 1. Log into your Wise account and choose the balance you want to use
Step 2. Click “Send” and enter the amount and currency you want to withdraw. You can send money in USD or a foreign currency
Step 3. Follow the on-screen prompts to enter your bank details. If you’ve withdrawn money to the account before, your details may already be saved
Step 4. Check that everything looks okay and click “Send money”
Step 5. Next, you’ll need to log into your PayPal account and go to your wallet
Step 6. Select “Transfer Money” and then select “Add money from your bank or debit card”
Step 7. Enter the transaction amount and choose either “in 3-5 days with your bank” or “in seconds with debit” to add to your balance²
By using your bank account as an intermediary to link Wise to PayPal, you can send money between the platforms with just a few clicks.
| Going the wrong way? Learn how to transfer money from PayPal to Wise in our full guide. |
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Wise to PayPal transfer fee
It’s free to add US dollars to your PayPal balance from a bank account.³ However, you’ll pay a conversion fee to receive foreign currency transfers.³
PayPal typically charges a 3% currency conversion spread to add a currency other than USD to your balance.³ Spread is the discrepancy between how much the provider buys and sells their currencies for – and it can add a significant cost to your transaction.
Wise doesn’t charge a fee for withdrawing money to a bank account in USD – and you’ll pay the mid-market exchange rate for any foreign withdrawals.
This is the standard rate you might see online, with no added markups or hidden fees, so you’ll always know exactly how much your transfer will cost.
Wise vs PayPal for international transfers
You can use both Wise and PayPal for global transfers. However, PayPal charges international fees and you may end up losing money to an expensive currency conversion process.
Let’s take a closer look at Wise vs PayPal, including fees, exchange rates, and transaction limits.
| Currencies | Transfer fees | Exchange rates | Transaction limits | |
|---|---|---|---|---|
| Wise | 40+ currencies | Fees start at 0.33% per transaction* | Wise uses the fair mid-market exchange rate | Depends on the currency or type of transaction For example, you can send up to 1,600,000 USD per international Swift transfer |
| PayPal | 25 currencies⁴ | You’ll pay 5% per transaction to send an international PayPal or bank account transfer³ | PayPal typically charges a 3% to 4% currency conversion spread³ | Verified account users can send up to 60,000 USD in a single transaction⁵ |
*Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.
Although PayPal is a convenient transfer method, you’ll pay a charge to send and receive payments in currencies other than USD.
Wise uses transparent pay-as-you-go pricing to facilitate digital transfers to over 160 countries. You can receive local currencies in your account for free or hold over 40 currencies at once.
You can even use Wise’s pricing calculator to work out how much your transfer will cost before you send it. Simple!
No ongoing fees, no hidden charges and no hassle — just fast, transparent international transfers that can beat the banks.
🚀 Start saving on
international transfers
*Transaction speed claimed depends on funds availability, approval by Wise’s proprietary verification system and systems availability of our partners’ banking system, and may not be available for all transactions.
You can transfer money from Wise to PayPal using an intermediary bank account to hold your funds.
However, make sure to look out for expensive international costs. PayPal charges for foreign transactions, including a hefty markup on the standard exchange rate.
To start sending low-cost transfers across the world, open a Wise account today.
| 💡More on PayPal |
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Sources
- PayPal - Payment from Wise to PayPal?
- PayPal - How do I add money from my PayPal balance from my bank?
- PayPal - Paypal consumer fees
- PayPal - List of countries and currencies
- PayPal - What’s the maximum amount I can send with my PayPal account?
Sources checked 09.20.2024
*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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