PayPal advertises free withdrawals to local banks in many countries, but embeds a heavy 3.5% to 4.5% currency markup into the exchange rate. Calculate your true loss.
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PayPal to Local Bank Transfer Fees & FX Markups (2026 Calculator)
Calculate hidden exchange rate spreads, instant transfer charges, and standard withdrawal fees when transferring PayPal funds to your bank.
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Direct Bank Transfer (Local Clearing)
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Facture brute$1000.00
Frais de réception$0.00
Spread FX caché—
Taux moyen du marché—
Instant Card Transfer
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Facture brute$1000.00
Frais de réception—
Spread FX caché—
Taux moyen du marché—
Questions fréquemment posées
PayPal adds a proprietary currency conversion spread of 3.5% to 4.5% above the wholesale interbank rate to generate revenue on cross-border transfers.
Open a local currency bank account matching the currency you are receiving, or use an international transfer service like Wise.