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PayPal’s inactivity fee depends on the country where your account is registered. PayPal says it does not charge the fee to U.S. account holders, but some other markets have local rules that can charge eligible accounts after a period of inactivity—often 12 months. The amount, eligible account type, and activity that resets the clock vary, so check the notice and fee terms for your account’s country.
Does PayPal charge a fee for an inactive account?
Sometimes. PayPal says inactivity fees are not charged to U.S. account holders. In certain other jurisdictions, local terms may allow a fee for eligible accounts. The fee is not a single worldwide charge: country rules and, in some places, account type determine whether it applies. PayPal’s U.S. help page states the U.S. exemption, while PayPal Canada’s help page and regional help and agreement pages describe different local rules.
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How long can a PayPal account be inactive?
In jurisdictions with an inactivity fee, the threshold commonly involves 12 months, but the local definition matters. PayPal Canada describes an account as inactive if there has been no login or transaction in the preceding 12 months. A regional user agreement defines inactivity as no login or use to send, receive, or withdraw money for at least 12 consecutive months. Check the agreement and notice that apply to your registered country rather than assuming that simply holding a balance or making a particular kind of transaction resets the period. PayPal Canada · PayPal regional User Agreement
How much is PayPal’s inactivity fee?
There is no universal amount. The reviewed official pages give different caps and local-currency amounts, and some point readers to their country’s Fees page rather than state a figure. These examples illustrate variation; they are not a complete or interchangeable schedule.
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- Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
- When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
- Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
| Market or source | What the official source says | Important qualification |
|---|---|---|
| Canada | The fee is the lesser of the account balance or C$20. If there are balances in multiple currencies, PayPal says it deducts from CAD first and may use other currencies for the remainder. | PayPal says it will notify account holders before charging. These details are from the Canadian help page. Source |
| Certain European markets | A regional help page gives a cap of €10 or the local equivalent. | The page also refers to a 2024 notification period; that historical deadline is not a current deadline. Confirm current local terms. Source |
| Countries listed in PayPal’s San Marino agreement | The inactive-account provision lists amounts including €10, 270 CZK, 3,600 HUF, and 10 CHF, along with amounts in other currencies. | The applicable amount depends on the currency and terms for the account. Source |
| Finland consumer-fee schedule | Examples include €10, £9, and C$2.45, among other local-currency amounts. | These are examples in a Finnish consumer-fee schedule, not a worldwide fee table. Source |
| United Kingdom | PayPal says the charge is the lesser of the local Fees-page amount or the remaining balance. | Check the current UK Fees page for the amount applicable to your account. Source |
Which PayPal accounts can be charged?
Eligibility can depend on account type as well as country. PayPal’s San Marino help page says that in Germany, Austria, Italy, Greece, Hungary, and Poland, only business accounts are affected. A regional user agreement lists exceptions for personal accounts registered in Greece and Malta. Because these statements come from regional materials, check the current agreement and help page for the country where your account is registered. PayPal San Marino help page · PayPal regional User Agreement
How do you avoid an inactivity fee?
If you want to keep the account, follow the action and deadline in PayPal’s notice for your country. PayPal’s help pages list activities such as logging in, paying with PayPal, sending money, withdrawing money, or donating through PayPal as ways to avoid a charge. Do not assume that every action applies in every market; use the country-specific notice and terms.
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- Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
- When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
- Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
- Check the account’s registered country and type. Those determine which local rules may apply.
- Open PayPal’s notice and the local Fees page or user agreement. Confirm the deadline, qualifying activity, eligibility, and possible amount.
- If keeping the account, complete an accepted activity before the notice deadline. Use an action listed for your country.
- If you no longer need the account, contact PayPal about closing it. PayPal Canada lists contacting PayPal to close an account among its options; check the process for your country. PayPal Canada
What happens if the account has no balance?
The reviewed Canadian and regional European help pages say accounts with a zero balance are not charged; PayPal Bulgaria’s page says a zero balance will not result in a negative balance. PayPal Canada also says that when multiple currency balances are held, it may deduct from CAD and then use other currencies for any remainder. These are regional statements, so confirm the rule in the terms for your account’s country. PayPal Canada · PayPal Bulgaria
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- Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
- When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
- Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
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- Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
- When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
- Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
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- Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
- When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
- Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
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