What Is the Transfer Limit Between PayPal to PayPal Accounts?

PayPal remains one of the most trusted online payment platforms, enabling quick, secure transfers between users worldwide. Whether you’re sending money to friends, paying for goods, or managing business transactions, understanding PayPal to PayPal transfer limit is crucial for avoiding disruptions and delays.

What Is a PayPal to PayPal Transfer?

A PayPal to PayPal transfer occurs when money is sent directly from one PayPal account to another. This can be done using:

• Your PayPal balance
• A linked bank account
• A credit or debit card

These transfers can be domestic (within the same country) or international (cross-border), and can be categorized as Friends and Family or Goods and Services transactions. Each category comes with its own rules, fees, and limits.

What Is the Transfer Limit Between PayPal Accounts?

PayPal enforces certain caps on how much money you can send or receive between accounts. These limits are designed to meet financial regulations, reduce fraud, and ensure account security.

Typical limits include:

• Unverified accounts – May face restrictions as low as $500–$2,000 per month for sending or receiving.
• Verified accounts – Can send or receive much higher amounts, sometimes exceeding $60,000 per month depending on country and account activity.

These numbers vary by region, account type, and transaction history.

Transfer Limits for Verified vs. Unverified Accounts

The verification status of your account plays a significant role in determining your transfer capabilities.

• Unverified Accounts:
  • Lower daily, weekly, and monthly limits.
  • May face lifetime caps until verification is completed.
  • More likely to trigger security holds for large transfers.
• Verified Accounts:
  • Significantly higher or no specific transfer caps.
  • Greater transaction flexibility for both domestic and international transfers.
  • Reduced likelihood of transaction delays.

Verification generally involves linking and confirming your bank account, verifying a card, and submitting identification documents.

Daily, Weekly, and Monthly PayPal to PayPal Limits

PayPal’s limits may be set according to different timeframes:

• Daily Limits – Typically range from $5,000 to $10,000 for verified accounts.
• Weekly Limits – May extend to $15,000–$25,000 depending on country.
• Monthly Limits – Often exceed $60,000 for fully verified accounts with strong transaction histories.

Unverified accounts will have much lower limits across all timeframes.

How to Check Your PayPal Transfer Limit

To view your current PayPal to PayPal transfer limit:

1. Log in to your PayPal account.
2. Go to Settings (gear icon).
3. Select Account Limits or View Limits.
4. Review your current sending, receiving, and withdrawal caps.

This page will also indicate the steps needed to increase your limits.

How to Increase Your PayPal to PayPal Transfer Limit

If you’ve hit your limit, there are several ways to expand your capabilities:

1. Link and Confirm a Bank Account – PayPal will deposit small amounts for you to confirm.
2. Link and Confirm a Card – Enter the code from PayPal’s small verification charge.
3. Submit Identification – Provide proof of identity and address.
4. Maintain a Positive Account History – Regular, successful transactions can lead to higher limits over time.

Completing verification usually results in an immediate increase or removal of transfer restrictions.

Are There Fees for Transferring Money Between PayPal Accounts?

Fees depend on the transaction type and funding source:

• Friends and Family Transfers (Domestic) – Free when funded by PayPal balance or bank account.
• Friends and Family Transfers (International) – Subject to currency conversion fees and cross-border charges.
• Goods and Services Payments – Always incur a standard PayPal fee (usually a percentage plus a fixed fee per transaction).

Funding transfers via credit or debit cards can also incur additional fees, even for Friends and Family payments.

PayPal Friends and Family vs. Goods and Services Transfers

The two main transfer categories work differently:

• Friends and Family – Intended for personal payments. Limits tend to be higher, and fees are minimal for domestic transactions. Not covered by PayPal’s Purchase Protection.
• Goods and Services – Used for commercial transactions. Purchase Protection applies, but limits and fees can differ, especially for unverified accounts or new sellers.

Choosing the right transaction type can affect both your fees and your available limit.

International PayPal to PayPal Transfer Limits

Cross-border transfers can be subject to additional rules:

• Lower Limits – Some countries have stricter caps on international transfers.
• Currency Restrictions – Different currencies may have unique maximums.
• Extra Verification – Larger international transfers may require identity checks.

Always check PayPal’s country-specific terms before initiating large overseas transfers.

Troubleshooting Common Limit-Related Issues

If your PayPal to PayPal transfer is blocked or declined due to limits:

• Check Your Current Limits – Ensure you have not exceeded your daily, weekly, or monthly cap.
• Verify Your Account – This often resolves most limit-related issues.
• Contact PayPal Support – For urgent transfers, customer service may review and approve your transaction.
• Avoid Multiple Failed Attempts – Repeated failed transactions can trigger further account restrictions.