Send money PayPal

How to use PayPal to send money?

PayPal has revolutionized the way we send and receive money online. As a leading online payment platform, it offers a fast, secure, and convenient solution for individuals and businesses to transfer funds.

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In this article, we’ll explore the various aspects of sending money through PayPal, including fees, international transfers, and tips for a seamless experience. Let’s dive in!

Why Choose PayPal to Send Money?

PayPal has become a popular choice for sending money for several reasons:

  • Security: PayPal employs advanced encryption and fraud protection to keep your transactions secure.
  • Speed: Transfers are typically completed within minutes, making it perfect for urgent transactions.
  • Convenience: With a user-friendly interface, you can send money from your computer or mobile device.
  • Global reach: PayPal supports transactions in over 200 countries and 25 currencies.
  • Multiple funding options: You can fund your payments with a bank account, credit card, or your PayPal balance.

Understanding PayPal Fees for Sending Money

PayPal fees vary depending on the nature of the transaction. Here’s a breakdown of the costs:

  • Personal transactions (Friends and Family): Sending money within the US is free when using your PayPal balance or linked bank account. However, credit card payments incur a 2.9% + $0.30 fee per transaction.
  • International transactions: Sending money abroad incurs a fee that ranges from 0.5% to 2% of the transaction amount, depending on the country and funding source. Additional currency conversion fees may also apply.
  • Commercial transactions: For goods and services, the recipient pays a fee of 2.9% + $0.30 per transaction.

Case Study: Sending Money Internationally

Imagine sending $1,000 to a friend in Spain using your PayPal balance. The transaction fee would be 2% of the amount, or $20. If you were sending the same amount using a credit card, the fee would be 2.9% + $0.30, or $29.30.

How to Send Money with PayPal: A Step-by-Step Guide

1. Create a PayPal Account

To send money through PayPal, you’ll need to create an account. Visit the PayPal website, click “Sign Up,” and follow the instructions to set up a Personal or Business account.

2. Link Your Funding Source

Once your account is set up, link your bank account, credit card, or debit card to fund your transactions. Verify the linked accounts to ensure a smooth transaction process.

3. Initiate the Transfer

To send money, log in to your PayPal account and click “Send & Request.” Enter the recipient’s email address, mobile number, or name, and specify the amount you’d like to send. Choose whether the transfer is for friends and family or for goods and services, and click “Continue.”

4. Review and Confirm

Before completing the transaction, review the details, including the recipient’s information, transfer amount, and any applicable fees. Click “Send Money Now” to initiate the transfer. The recipient will receive a notification, and the funds will be available in their PayPal account within minutes.

5. Track Your Transaction

After sending the money, you can monitor the transaction status in your PayPal account’s “Activity” section. You’ll also receive email notifications for any updates related to the transfer.

PayPal Send Money Limits

PayPal imposes transaction limits to ensure user security and regulatory compliance. For verified accounts, the sending limit is $60,000 per transaction, with a maximum of $10,000 in a single transaction. Unverified accounts have lower limits, which vary depending on the account’s age and activity. To increase your sending limit, verify your account by providing additional personal information and linking a bank account or credit card.

Using PayPal’s Mobile App to Send Money

PayPal’s mobile app allows you to send money on the go. Simply download the app, sign in with your PayPal account, and follow these steps:

  1. Tap the “Send” button on the home screen.
  2. Enter the recipient’s email address or mobile number.
  3. Specify the amount you want to send, and choose the payment type (friends and family or goods and services).
  4. Review the transaction details, and tap “Send Now” to complete the transfer.

Best Practices for Sending Money with PayPal

To ensure a seamless experience when using PayPal to send money, consider the following tips:

  • Verify your account to increase sending limits and improve account security.
  • Use the friends and family option for personal transactions to avoid unnecessary fees.
  • For international transfers, check the recipient’s country-specific fees and regulations beforehand.
  • Be cautious when sending money to strangers, as PayPal’s protection policies may not cover all transactions.
  • Enable two-factor authentication to enhance the security of your PayPal account.


PayPal has made sending money online fast, secure, and convenient. With a clear understanding of the fees, limits, and best practices associated with sending money through PayPal, you can confidently use this popular platform for personal and business transactions. Whether you’re sending money to friends and family, paying for goods and services, or conducting international transfers, PayPal has you covered. Embrace the future of online payments by making the most of PayPal’s robust features.


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