FX Fees from buying from Paypal?

Did you just get charged Foreign exchange / Foreign Transaction fees for buying from Paypal?


PayPal Australia Pty Ltd is an Australian based entity with a ABN & ACN number, NOT an overseas entity.

Paypal’s processing requirement is that it’s all done locally to comply with APRA regulations  as well as ensure there’s minimal processing latency for a transaction to be approved quickly.


The User Agreement for processing between the Merchant & PayPal Australia Pty Ltd is valid in AU only & we’re considered a local processing entity, not a foreign one: https://www.paypal.com/au/webapps/mpp/ua/useragreement-full?locale.x=en_AU

The bank is likely trying to scam you out of some F/X fees on his card.

You can take the matter to Consumer Affairs as, legally, you have an Australian PayPal Consumer account with a local Bank / credit card used as a funding source & SHOULD NOT be charged f/X fees.

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