PayPal Fees in the Netherlands (2026): 3,40% and a 0,05 € Detail

By the Profitvana Editorial Team · Updated August 2026

The Netherlands is on PayPal's expensive euro-area tier at 3,40%, and holds one small compensation: the cheapest micropayment fixed fee of any eurozone market we have verified. For a country where most shoppers would rather pay by bank transfer anyway, both facts matter more than they look.

The rate card

A commercial transaction costs 3,40% plus a fixed 0,35 €. The cross-border surcharge follows PayPal's standard European ladder, based on where the buyer's account is registered:

Buyer's account	Surcharge	Total rate	Fee on 100 €
Netherlands / EEA	—	3,40% + 0,35 €	3,75 €
United Kingdom	+1,29%	4,69% + 0,35 €	5,04 €
Rest of world	+1,99%	5,39% + 0,35 €	5,74 €

The micropayment fixed fee is 0,05 € — the lowest we have found

Approved accounts can use a micropayment rate of 5,0% plus a fixed 0,05 € on payments under 5,00 €. France and Italy charge 0,10 € on the equivalent tier; Spain charges 0,05 €.

At these amounts the fixed fee is most of the cost, so halving it is a bigger deal than the percentage. A 2 € sale costs 0,15 € in the Netherlands against 0,20 € in France — and 0,42 € under the standard structure.

Unlike the automatic sub-5 € tiers in France, Spain, and Italy, the Dutch micropayment rate requires approval, so it is worth asking for explicitly if small payments are your business.

Sale	Standard structure	Micropayment (5,0% + 0,05 €)
1 €	0,38 €	0,10 €
2 €	0,42 €	0,15 €
4,50 €	0,50 €	0,28 €

Where the Netherlands sits in the euro area

PayPal charges a different percentage in each euro-area country, and the Netherlands shares the top of the range with Italy:

That is half a point above France and Spain on every single transaction, for identical service — roughly 500 € a year on 100.000 € of volume.

Country	Domestic rate	Fee on 100 €
France / Spain	2,90% + 0,35 €	3,25 €
Germany	2,99% + 0,39 €	3,38 €
Italy / Netherlands	3,40% + 0,35 €	3,75 €

Conversion, and the cheaper alternative

Conversion costs 3,00% above PayPal's base exchange rate when PayPal performs it, charged on the full amount — which on a rest-of-world payment typically exceeds the 5,39% transaction fee.

Card acceptance is far cheaper: Stripe charges 1,5% + 0,25 € on an EEA card across the euro area. In a market where a large share of shoppers reach for a bank-based method first, PayPal at 3,40% is a convenience premium worth pricing into the product rather than absorbing.

Frequently asked questions

How much does PayPal charge in the Netherlands?

3,40% plus a fixed 0,35 € for a commercial payment from a Dutch or other EEA account, with 1,29% added for UK-funded payments and 1,99% for the rest of the world.

Does the Netherlands have a cheaper rate for small payments?

Yes, on approval: a micropayment rate of 5,0% + 0,05 € on payments under 5,00 €. The 0,05 € fixed fee is the lowest of any eurozone market we have verified — France and Italy charge 0,10 €.

Is PayPal more expensive in the Netherlands than in France?

Yes, by half a percentage point: 3,40% against 2,90% on a domestic transaction. On 100.000 € of annual volume that is roughly 500 €.

What is PayPal's conversion fee in the Netherlands?

3,00% above the base exchange rate, charged on the whole converted amount — usually more than the transaction fee itself on a non-EEA payment.

PayPal fees in other countries

PayPal prices every market differently — the same sale can cost twice as much depending on where your business is registered. We verify each of these against PayPal’s own published fee page for that country:

Sources

PayPal Netherlands merchant fees (official)