Currency Conversion that occurs when sending a Personal or a Commercial Payment or receiving a refund beyond 1 day of the date of the original payment: 4.0% Currency conversion that occurs when receiving other payments (including Mass Payments or Payouts), withdrawing funds to your local bank account (if your PayPal balance is held in a currency other than your local currency, adding funds from a bank account to your PayPal Account or when transferring funds between your PayPal balances held in different currencies (as applicable);