PayPal
1.5 / 5Trust 2.8 / 536.9k reviews
PayPal supports direct international transfers to bank accounts and other PayPal users, but its currency-conversion markup and per-transaction fee make it one of the costlier ways to send money — Xoom, PayPal's own dedicated remittance service, is usually cheaper for the same corridor.
Transfer limits
Minimum
€1
Maximum
€55K
Fee structure
- Bank transferInternational personal transfer, 5% fee (min $0.99, max $4.99), plus a 3–4% exchange-rate markup€0.995.00%
Delivery methods
Bank transfer
Pros & cons
Pros
- Instant balance-to-balance transfers between PayPal accounts
- Buyer/seller protection on marketplace payments
- Most senders already have an account
Cons
- 3–4% exchange-rate markup stacked on top of the transfer fee
- Far pricier for remittances than Wise, Remitly, or PayPal's own Xoom
- No cash pickup — bank account or PayPal balance only
- Trustpilot rating of 1.5/5 (36,900 reviews), driven largely by dispute-resolution complaints
EUR → PHP rate history
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