Payments & shipping · calculator
What a PayPal instant transfer to your bank or debit card costs from a personal or a business account, what arrives, and how much to move.PayPal’s instant fee, personal or business.
Example · $100 transfer
Instant transferPayPal
$98.25
Arrives in minutes · of $100.00 moved
Key: yours payout fee
Estimate · payment app ratesrates as of Oct 28, 2026 · not tax or financial advice · not advice.
PayPal · instant · drawn to scale
The fee comes out of the amount you move; what is left arrives in minutes.
Estimate by Seller Fee Desk · payment app rates as of October 28, 2026 · not a platform statement
| You move out of your PayPal balance | $100.00 |
|---|---|
| Instant-transfer fee1.75% of the amount, minimum $0.25, maximum $25.00 | −$1.75 |
| Arrives in a linked bank account or eligible debit cardin minutes (the app may review a transfer first) | $98.25 |
| Or a standard transferStandard transfer: no fee when no currency conversion is involved; 1–3 business days to a bank, about 48 hours to an eligible debit card. | $100.00 · free |
The minimum fee sets the fee on every transfer up to $14.57; the $25.00 maximum caps it from $1,428.29.
Payment app rates as of · verified · Fee change log → · Platforms may round differently by a cent.
What an instant transfer costs at each amount, the minimum and maximum applied. The bar is the fee, drawn to one scale; a free standard transfer costs $0.00 at every amount.
| You move | Fee | Share |
|---|---|---|
| $5.00 minimum | 5.00% | |
| $10.00 minimum | 2.50% | |
| $25.00 | 1.76% | |
| $50.00 | 1.76% | |
| $100.00 | 1.75% | |
| $250.00 | 1.75% | |
| $500.00 | 1.75% | |
| $1,000.00 | 1.75% | |
| $2,000.00 maximum | 1.25% | |
| $5,000.00 maximum | 0.50% |
What a PayPal instant transfer to your bank or debit card costs from a personal or a business account, what arrives, and how much to move.PayPal’s instant fee, personal or business.
Read from PayPal’s own fee and help pages on the dates shown; the calculator uses the rate in force on the transfer date.
Payment app rates as of · verified · Fee change log → · Platforms may round differently by a cent.
Currency conversion: Not modeled — transfers in U.S. dollars only (checked October 28, 2026).
Reviews and holds: Not modeled — an app may review, delay or decline a transfer; the timing it gives is “typically” (checked October 28, 2026).
An instant transfer moves money you already received. What the app took from the payment itself (goods-and-services and business-profile fees) is in the payment app fee calculator, which can also add the instant transfer to the same payment.
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What PayPal, Venmo and Cash App take on a $100 sale, how much to request to receive $100, instant-transfer costs, and when a payment app sends a 1099-K.
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