PayPal account – Premium or Personal?

My blog buddy alerted me to the fees deducted from her PayPal payments received from some of the paid post companies. I checked my account and do not see the same thing.

Then, we found that I am using a Personal account while she uses a Premium account. A check with PayPal shows that fees are charged for Premium and Business account :


Well, if you notice, Personal account doesn’t get the fees deducted but it has limitations in the number of transactions it can receive payment via credit card. The fees deducted for payment by credit card is also higher.

So, does this mean that if we do not have any transactions by credit cards, we should stick to our Personal account instead of upgrading to Premium? The screenshot below shows a summary of the difference in between the Personal, Premium and Business accounts.


I can’t believe that I have PayPal for several years already and yet, I am totally clueless on these until now. I don’t need the services provided by Premium account so I shall just stick to the Personal account. What about you? Are you making full use of your Premium account? Or are you having fees deducted for nothing?


Samm of OrganicIncome blogged on How to downgrade Paypal premium account to Personal account to avoid the charges.

Post Author: lilian

13 thoughts on “PayPal account – Premium or Personal?

    Wing Loon

    (November 13, 2007 - 2:51 am)

    I just signed up for a Personal account this month. I have no idea on this too. I will just stick to the Personal account since my blogging income is still low.


    (November 13, 2007 - 3:06 am)

    I have a premium but it’s because I sell so much on ebay that I need it. I haven’t been getting any fees from payments except for one company..linkylovearmy. That’s it. Everything else has been fine.


    (November 13, 2007 - 3:54 am)

    Craps, I just realized my USDs are deducted starting from yesterday, which means my account was upgraded to a premier account with me knowing.


    (November 13, 2007 - 8:32 am)

    lilian, the payment i received .. they charged 10% of it = = even deducted 2.4-3.4% + 0.30. but the amount is wrong @#$@#$@#%#@$!@$@!#


    (November 13, 2007 - 11:02 am)

    i found out about all the charges when i ACCIDENTALLY upgraded my personal to premium account. quickly find out what is the different and saw so many charges! then i quickly email them to change back, rather worry.but luckily they degraded for my back to personal a/c. they said i can only degrade one time.. now i am so not going to click the upgrade button,coz it has no confirmation of upgrading ur a/c… silly system..


    (November 13, 2007 - 11:13 am)

    A few years ago, I got a Premium account at the time I signed up for PayPal. Soon after that, I found PayPal charging me for each transaction and I quickly downgrade to a Personal account.

    I suggest you to have a Personal account if you do not sell anything online.


    (November 13, 2007 - 11:43 am)

    There were never any charges even it’s premium account! It’s just started last weekend! Damn it! So pissed! PR drop, earn less paid post and now want to deduct my money is Paypal again :(
    Our post about it:


    (November 13, 2007 - 2:31 pm)

    When I signed up PayPal last year, the fee structure was already there, and I thought that if we are not selling things then we should stick with whatever is free, i.e. Personal. :)


    (November 13, 2007 - 9:33 pm)

    Thanks for the plug. I agree with the Personal Account thingy. I upgraded last time cos i wanted to use their merchant service. No time for that till now, lol.


    (November 13, 2007 - 9:48 pm)

    dunno ar… mine is a Premier account. there’s only a few companies that when i received, i kena fees. payperpost payments no fees – and that pays me the most besides payu2blog (no fees also) – so i guessed i can lived with it… hehe


    (November 13, 2007 - 10:13 pm)

    Hey there. I’ve been visiting this blog a lot, but I’m only posting right now. :) My first paypal account was a premier one. I use it mainly for purchases and other online stuff. When paypal was fully activated in our country, I got a personal account for receiving funds from other people. Each person is allowed two paypal accounts, one personal and one premier or business. I did read it from the site in the help pages I think. So what I do is use my premier account (which has been verified) for sending money online, while using m,y personal account for receiving transactions. I ask first if the person uses a debit or credit card, and if that is the case, I ask them to send it to my premier account because the fee is lower and I can have unlimited card transactions there.

    Matt Keegan

    (March 8, 2008 - 7:26 pm)

    Thanks for this information — I had no idea that there were two types of Paypal accounts. I will check it out immediately as I could be paying fees for no reason.


    (July 1, 2009 - 3:17 pm)

    I cant seem to find the old chart for paypal fees in Can you search and give me the link? thanks.

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