eBay PayPal Fees: How to cut the cost in 2025?

eBay is an enduringly popular way to sell online - whether that’s as a private seller getting rid of a few items after a clearout, or as a business selling many items monthly. If you use eBay it’s important to understand the eBay fees which apply to your account type, and whether there will be any PayPal fees for selling on eBay if you offer PayPal payments.

This guide walks through eBay and PayPal fees for different scenarios. Plus if you’re selling on eBay regularly, we’ve got a quick look at how Wise Business can help you, as a low cost and flexible way to withdraw earnings from eBay in different currencies.

What are PayPal fees on eBay and how do they work?

When you sell on eBay you’ll find there are different fees, depending on whether you’re a private¹ or business seller² with eBay, and whether or not you open an eBay shop - which comes with a subscription fee monthly, but does snag you some extra free listings and optional perks. There are also different fees for customers selling motor vehicles and cars.

It used to be the case that eBay sellers had their profits deposited to a PayPal account as standard after the sale was finalised. However, eBay has been gradually moving away from this process for some years, and now almost all eBay sellers - private and business - withdraw their funds to a bank account instead of PayPal. You can still offer PayPal as a method for customers to pay on eBay, which can be a simple option for many buyers.

If you sell items directly on PayPal as a merchant - through your own website for example - you’ll need to check out the PayPal UK merchant fees³ which apply to your account. Generally the commercial transaction rate in the UK is 2.9% of your sale value plus a fixed fee which varies according to the currency being paid. There’s also a currency conversion cost of 3% if PayPal needs to manage any currency conversion for your account.

Are there other ways to withdraw earnings from eBay?

As we’ve seen, the PayPal fees on eBay have largely been eliminated for sellers who have moved over to the new system of withdrawing funds to a bank account.

The standard option now is to link your bank to eBay, and then either withdraw funds manually, set a scheduled withdrawal, or wait for the automatic payments eBay offers.

The funds will usually be deposited to your bank account between 1 and 4 days after the withdrawal is initiated, depending on exactly how you set up the withdrawal.

Learn more about how to withdraw your money from eBay here.

eBay payment method fees

The fees you pay for selling on eBay as a private seller are as follows:

*Details correct at time of research - 25rd June 2025

If you’re an eBay business seller, the fee structure is different. Here’s a quick summary - as eBay’s fees can change based on a large range of factors, you’ll also need to read the fee information carefully before you start to sell:

*Details correct at time of research - 25rd June 2025

How to cut costs with eBay fees in 2025?

The eBay fees you pay vary depending on several important factors including the type of eBay account you have, what you’re selling, the value of the items and so on.

You may be able to limit the fees you pay eBay by taking on an eBay shop. This means paying a monthly fee, but does also come with some perks which may reduce the overall fees you pay in the end. If you’re a private seller, having an eBay shop will allow you to post 400 items monthly before paying any listing fee, rather than the standard 300. If you’re a business seller, having a shop comes with even more perks.

eBay business sellers can choose from different shop plans which all come with their own features. The higher the monthly fee you pay, the more perks you get - and the lower the cost of any listing fee will become.

Whether having a shop with eBay is worthwhile for you will depend largely on the volume of eBay sales you’re processing on a monthly basis. Weigh up the choices to see if the monthly costs are worth the benefits you can access. You can also look out for eBay promotional offers which come up from time to time and can get you fee discounts which are well worth having.

Receive payments in multiple currencies with Wise Business

Wise can help UK businesses to receive payments in multiple currencies, with low fees and the mid-market exchange rate.

A Wise Business account comes with local account details to get paid in 8+ major foreign currencies like Euros and US Dollars just as easily as you do in Pounds, these payments can come directly from your customers, from PSPs like Stripe and Amazon, or from platforms like eBay.

All you need to do is add the relevant currency account details to the platform you need to withdraw the funds. Once you receive the payment in Euros, Dollars or other supported currencies, you can hold this money into your multi-currency account, spend with Wise Business debit card or convert back to Pounds with low fees and the mid-market exchange rate.

Get started with Wise Business 🚀

FAQs - eBay and PayPal fees

Do sellers still pay separate PayPal fees for eBay sales in 2025?

No, for the vast majority of sellers, the practice of paying separate fees to PayPal for payment processing has been phased out. eBay now manages the entire payment process through its own system, called Managed Payments. This means sellers pay a single, consolidated "final value fee" to eBay for each sale, which includes the cost of payment processing, regardless of how the buyer pays.

Are there any subscription options to reduce eBay fees?

Yes. You can choose to open an eBay shop, either as a private seller or a business seller, and pay a monthly fee to get some extras - including more free listings in some cases. Private sellers pay 19.99 GBP a month for an eBay shop, while business sellers can pay from 27 GBP - 437 GBP a month depending on the plan selected.

Are there still international fees for selling to buyers abroad?

Yes, if you sell to a buyer outside of your registered country, eBay charges an international fee. This fee is a percentage of the total sale amount and is charged in addition to the final value fee. It's important to factor this additional cost into your pricing when you make your items available to international buyers.

How do currency conversion fees work on PayPal?

If you’re selling on PayPal through your own website, or taking PayPal payments for any other reason, you’ll pay a currency conversion fee when you need to switch a payment from one currency to another. This can happen if you’re paid in a foreign currency and need to convert back to GBP to withdraw to your bank for example. The PayPal UK merchant fee for currency conversion is 3%.

Selling on eBay is a great option for professional and occasional sellers, and you can now have your eBay profits deposited to your bank or Wise Business account, rather than to PayPal. This streamlines the process and allows you to get your money from eBay in 1 - 4 days, so you can manage your cash flow easily and keep on top of your business finances. See if you can benefit from using Wise Business alongside eBay to connect with international customers and sell to a bigger audience around the world.

Sources used in this article:

Sources last checked 25/06/2025