PayPal Limits 2025: Full Guide
PayPal is hugely popular in India and worldwide, with easy ways to shop, send and receive money, access credit, hold a balance, save, and more. But what about the limits which apply to sending and receiving money, or getting credit? This guide walks through the PayPal India limits which may apply to your account, and how you can get them raised if you need to.
We'll also touch on a few PayPal alternatives which can have higher limits and offer lower fees for sending and receiving payments internationally, such as Wise. Let's dive right in.
Quick summary: PayPal international transfer limits
There are generally no limits on how much you can send from your PayPal account, with transactions acting more like a bank or wire transfer, since they are connected to your bank/financial institution.
PayPal credit limits are set by their banking partner, and credit limit raises must be addressed to the bank rather than PayPal
There's usually no limit to the amount you can hold in a PayPal account, but you'll usually only be able to receive from other PayPal account holders, who are subject to limits on send amount
PayPal transfer fees can be high if you're sending money in a foreign currency
Does PayPal have limits?
PayPal has certain limits on how much you can send to others from your PayPal account. It's also important to note that not all PayPal services are available in India, including the option to make domestic transactions or local transfers. This means that businesses cannot receive local payments in INR via PayPal but can receive international payments. Personal users can also use PayPal to make international payments.
PayPal's sending limits are pretty high for day to day use, but may be too low if you want to send a large payment to someone. Plus, fees - particularly if you're sending money to someone overseas - can mount up very quickly when sending higher value payments with PayPal.
This guide walks through all the limits you need to know about, and also offers some alternatives which have higher limits and lower fees when you need to send money overseas.
What‘s the maximum amount I can send with my PayPal account?
The amount you can send with PayPal depends on a number of factors. If you have not yet verified your PayPal account you'll find your limits are pretty low, and the number of individual payments you can send is also likely to be capped.
If you have a verified account with PayPal you may have higher transfer limits, but the absolute amount you can send is down to PayPal's discretion. It may be lowered based on their standard security measures, or the specific currency you want to send.
Can you receive large amounts of money on PayPal?
Generally, you will find that any PayPal payment you receive has originated from someone else's PayPal account. That means that the sender will be governed by the limits which apply on PayPal wherever they are. If your sender is in the United Kingdom, they won't be able to send more than the maximum payment for PayPal in the UK, for example.
This means that while in theory, you may be able to hold as much as you want in your PayPal account, individual incoming payments are likely to be subject to relatively low caps. We'll look at some other ways to receive large payments from others as part of this guide, which allow you to receive larger value payments with no hassle.
PayPal transfer limits
In 2013, PayPal increased its per transaction limit in India to 10,000 USD. However, PayPal doesn't currently state its transfer limits. For the most accurate and up-to-date information, we recommend contacting PayPal directly
Limits tend to vary a little based on the currency involved - you'll see the limit which applies to a particular payment in the PayPal app when you start to set up your transfer.
PayPal limits for receiving money
PayPal doesn't specify any limits to the amount you can receive into your PayPal account. However, the value of a single payment you can receive will be dictated by the maximum amount the sender is able to send from their PayPal account.
Alternatives to PayPal with higher limits
If you need to receive a higher value payment, or if you're simply interested in checking out some alternatives, you may want to look at different providers with higher limits for sending and receiving payments. We've picked out a few options which may appeal - particularly if you're sending or receiving an international payment.
Here's an overview:
| Providers | International transfer limits* | Transfer methods | Transfer fees & exchange rates |
|---|---|---|---|
| PayPal | Website doesn't have specified limits for INR transfers. However, in 2013, PayPal increased its per transaction limit to 10,000 USD | International transfers only. Deposit to a PayPa l account | 3% - 4% currency conversion fee for personal customers Business customers pay 4.40% + a fixed fee PayPal also levies a fixed fee depending on the currency of the transaction |
| Wise | When sending to INR: 100 million INR for recipients that are private individuals. 1.5 million INR per working day if you or the recipient are a business. If sending from INR: 9,900 USD for education purposes maximum transfer amount 375,000 for all other purposes per transfer with a maximum amount of 750,000 INR per day | Supports transfers to and from INR Transfer online or in app | Low fee from 1.16% Fee discounts on transfers over 20k GBP (or equivalent in INR) |
| OFX | No limit | Only supports transfers to India, not from India. Transfer online, in app or by phone | No transfer fee Exchange rate includes a markup |
| Xe Money Transfer | Varies depending on location and currency | Only supports transfers to India, not from India. Transfer online or in app | Often no transfer fee Exchange rate includes a markup |
Information correct at time of research - 17th March 2025
*Other limits may apply, depending on the payment method and destination country
Wise
| Wise - best features for sending to and from INR andhigh value transfers |
|---|
|
Wise offers high value payments for individuals and businesses to 40+ countries, with the mid-market exchange rate and low fees from 1.16%.
Wise is a secure provider which also offers volume discounts on fees, so the costs could be reduced if you use the service regularly or if you're sending a large amount.
If you send more than the currency equivalent of 20,000 GBP a month (around 2,250,610.00 INR) you could get an automatic discount of up to 0.17%. There's no need to pre-arrange the fee.
Here's how the Wise high amount transfer discounts break down:
| Payment volume (GBP) | Discount |
|---|---|
| Under 20,000/month | 0 |
| 20,000 – 300,000/month | 0.1% |
| 300,000 – 500,000/month | 0.15% |
| 500,000 – 1million/month | 0.16% |
| 1 million+/month | 0.17% |
The limits for Wise in India are:
| Wise personal account transfer limit | |
|---|---|
| When sending to INR | Up to 100 million INR if you and the recipient are private individuals Up to 500,000 INR instantly if you are sending to an IMPS recipient Up to 200,000 INR instantly if you are sending to a UPI recipient Up to 1.5 million INR per working day if you or the recipient are a business |
| When sending from INR | 5,000 INR minimum transfer amount Up to 9,900 USD (or its currency equivalent) for education purposes Up to 375,000 INR per transfer for all other purposes with a maximum transfer amount of 750,000 per day Up to 250,000 USD (approximately 21,000,000 INR) per financial year. |
Learn more about Wise limits, and How to send large amount transfers with Wise.
OFX
| OFX - best features for high value transfers |
|---|
|
OFX allows customers to send money in 50+ currencies to India, all over the world, but doesn't support transfers from India. OFX does not charge customers any transfer fees in some locations, while others may need to pay a fee depending on the chosen service and transfer type. There's also a fee included in the exchange rate that's used to process your payment.
There's no upper limit on the amount of money you can send with OFX. However, if you're sending money from the US for example, trade or company-replated payments to India are capped at 1.5 million INR per single transaction.
If you're sending a high value payment you may need to talk it through with OFX using their 24/7 call line, to make sure you have all the right information and documentation to support your transfer.
Some banks have a daily or per transfer limit on the amount you can send. If your bank imposes a limit, OFX can accept partial payments for a transfer - so you can make several bank transfers to pass OFX the full amount required for processing.
Xe Money Transfer
| Xe Money Transfer - best features for high value transfers |
|---|
|
Like OFX, Xe Money Transfer also doesn't support transfers from India, but can be used to send money to India and 130+ other countries. Costs vary depending on the payment method, transfer amount and the speed of the transfer.
Xe does not market volume discounts on fees or exchange rates, but if you're using the service for a big transfer it may be worth calling them to check if there's a good deal to be had.
Is it possible to increase PayPal transfer limits?
You can usually increase your transfer limits by getting your account verified. This allows you to get full feature access and send more money. For more accurate information regarding transfer limits, contact PayPal directly.
How to increase PayPal transfer limits
To increase your PayPal limit, you'll need to verify your PayPal account. To do so simply:
Log into PayPal and go to Wallet
Click Link a card or bank, then Link a bank account
Search for your bank or select it from the list
Link your bank instantly by entering your bank login details
How do I lift my receiving limit on PayPal?
If you have a PayPal account limitation on your account which sets a receiving limit, you'll need to reach out to PayPal to understand more about how this has happened. Account limitations can be set if there is suspicious activity in your account or if there are any regulatory issues with your account. You can resolve the issue in the PayPal Resolution Center, or by messaging them directly using a secure chat, to understand more about the issue.
When do paypal limits reset?
PayPal's transfer limits are per transaction, and therefore simply reset after every transfer.
If a different PayPal limit applies to your account you may find it's a rolling limit, which resets at variable times depending on when you last transacted.
For example if you have a weekly limit and exhausted it on a Monday, it would reset the following Monday. If you exhausted the limit on a Wednesday, it would reset the following Wednesday and so on.
You should be able to view the specific limits which apply to your account in the PayPal app.
How to check PayPal limits
PayPal's transfer limits are set per transaction. However, you may find other limits apply to your account particularly if you're a business customer.
In this case, you can check your limits as follows:
Log in to your PayPal account
Select My Account at the top of the page
Tap the Overview page
Select View Limits next to your PayPal balance
How to send high amount transfers with PayPal
You might be able to send high-value payments with a verified PayPal account, though the PayPal limits in India could be low for a high value transaction.
If your account limits allow high value payments, you can either use the PayPal app or desktop site to send your payment.
To give an example, here's how to send a PayPal payment in the app:
Log into the PayPal app and tap Send/ Request
Enter the recipient's information such as their email or phone number
Enter the amount, choose the currency, add a note, and tap Next
Select your payment type and tap Send
PayPal large transfer fees
Here's a look at the PayPal fees you'll pay when you send money:
| PayPal international transfer fee | |
|---|---|
| Personal customers | 3-4% currency conversion fee |
| Business customers | 4.40% + a fixed fee PayPal also levies a fixed fee depending on the currency of the transaction |
Information correct at time of research - 17th March 2025
PayPal exchange rate for international transfers
PayPal adds a currency conversion spread to the exchange rate used when you send a foreign currency payment. This is usually 4%, which doesn't sound huge but which builds up very quickly on higher value payments.
Here's how the exchange rate markup builds up with a 4% margin used for different transfer values:
Sending 1,000 INR - the exchange rate markup adds 40 INR to the total
Sending 5,000 INR- the exchange rate markup adds 200 INR to the total
Sending 50,000 INR - the exchange rate markup adds 2,000 INR to the total
You can lower this cost by sending your international payment with a money transfer specialist, like Wise, which will deposit your funds to your recipient's bank account directly for a low fee.
PayPal business limits
If you have a verified PayPal business account, there's generally no limit on the amount you can send.
Alternative business accounts with higher limits
You may prefer a different business account if you need to send or receive higher value payments. Here are a couple of options you may want to consider:
Wise Business payments: Get paid from international clients and receive money with international account details in 8+ currencies. You can send up to 1.5 million INR per working day to India if you or the recipient are a business, with no transfer fees, depending on your location.
Is PayPal safe for large amounts?
PayPal is an industry leader and has many safety and security measures in place. It should be safe to use with normal precautions.
That said, not all PayPal deposits are DICGC insured - you'll need to check your own account's terms and conditions to see if this applies.
PayPal customer support
You can contact PayPal customer support by opening a secure chat in the app, or through the resolution center if you have a specific problem. You can also call customer service, but you'll need to log into your account online or in app to get the relevant phone number, based on your issue.
Conclusion: Does PayPal have transfer limits?
If you have a verified account, there's usually no limit on the amount you can send, but PayPal may limit your transfer limits at their discretion.
PayPal may not be the best option if you're sending higher value payments - particularly if you need to send money in foreign currencies, and PayPal in India can only be used to make international payments, with domestic payment options currently unavailable.
Use this guide to navigate your options, and check out alternatives to PayPal, like Wise, which supports payments in and from INR, and OFX for foreign currency payments to India which are deposited to bank accounts, with low fees and great exchange rates.