How to Avoid PayPal Exchange Fees when Topping up

Do you want to avoid the PayPal (your currency) to USD exchange fee when topping up your agent balance via PayPal? Well this guide is right for you dear!

So lets say you live somewhere in Europe and want to top up your agent balance with PayPal. PayPal converts your Euros (€) to US Dollars ($) and takes a conversion cut, even more than some banks do.

This is an example of my latest top up on my Agent (CssBuy) wallet balance

I topped my Cssbuy balance with 219$ on 24th of October, at that second the EUR to USD rate on my card issuer i.e. Revolut was 1€=0.9876$ which means i paid 221,74€ for the top up including exchange fees etc.

Now if i would have topped up same amount but directly with PayPals conversion rate it would have charged me 234,50€ to top up the same 219$ on my balance. PayPals exchange rate was 1€=0,93392$.

So by using my card issuers conversion rate i saved 12,76€ aka. 12.61$

Find a bank/virtual bank that has 0% or close to 0% currency conversion fee. For most European users Revolut is a good choice, its available in almost all EU countries. They allow 1000€ of exchange every month with 0% fee, after that a exchange usage fee of 0,5% applies till end of the month.

After you have found your card issuer and applied for a card and you have all the information you need. Log in to your PayPal account, go to Wallet and add your new card

Add your new card to your paypal

Now that you have your card added, head over to your agents website and top up balance via PayPal. Once you hit this window search for SEE CURRENCY OPTIONS and click it

A window like this will pop up, now you will CLICK the USD and then click PAY IN USD. Since you have 0% exchange rate you dont pay ANY conversion fees and get a better deal vs. using PayPals exchange rate.

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^{Disclaimer: Before switching ANY PayPal settings read your card issuers TOS and the exchange fee listing on your banks/card issuers website. All banks have different exchange fees, some might take over5% and some little as 0.01%, i am not responsible if you end up paying more just because you didnt do your quick 5 minute research. Financial isntutution rules may differ from country to country, not all virtual banks are available in every country. Use your discression when buying those Bape hoodies, you will cringe at your self with in next 5 years if you wear those hoodies. Note that due to currency fluctulation the exchange rates are updated every second and some banks have flat once a day changing currency exchange rates. Note that some financial institutions might require parental permission for customers under 18 when applying for a card/opening an account, please follow local laws and guidances.}

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