Payment fees and currency conversion: identify each charge
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A single transaction can be priced by more than one party. Check the operator’s terms, payment provider fees, bank account currency and any conversion quote shown before confirming.
Four places a cost can appear
Potential costs include an operator charge, a wallet or processor fee, a receiving-bank charge and foreign-exchange conversion. UKGC guidance says a gambling business may charge only a reasonable fee reflecting direct costs for withdrawing a deposit balance, and the fee must be stated in terms. That rule is distinct from third-party conversion charges.
A GBP account may still encounter a conversion if the payment is initiated or received in another currency. PayPal’s consumer fee information varies by transaction and route. Check the amount, displayed rate and fee before accepting a conversion; do not assume a rate from a prior payment will apply again.
How to read a currency conversion
Before paying, save the cashier’s displayed currency and fee terms. For a withdrawal, compare the amount sent, amount received, currency and provider statement. If a charge is unclear, ask which party applied it and request the applicable published term.
Keep a record of the quoted amount
Before acting, compare this general guide with the current terms of the named operator and payment provider. It does not report a personal test, guarantee a payment outcome or replace a formal complaint decision.
A fee should have an identifiable source
Practical checks for this task
Ask which party charged the amount and where the charge is stated: operator, wallet or processor, card issuer, receiving bank, or currency conversion. Do not combine these into one “casino fee” unless the transaction record shows that the operator charged the whole amount.
For a conversion, keep the amount before conversion, displayed exchange rate, fee and amount delivered. PayPal’s fee information varies by route; bank and card terms can also vary by account. A hypothetical calculation should be labelled as an illustration and must not be presented as a quote.
Record before you contact support
- Record the exact date, amount and currency shown for this transaction or game.
- Keep the provider or operator status with its timestamp; do not infer another party’s status from it.
- Use official support details and share only the information requested through a secure channel.
- If a rule or timing is not published for the exact product, mark it unknown rather than assuming.
Limits and scope
This guide is for Great Britain and reflects sources checked on 10 November 2026. It does not confirm availability at any named gambling operator, test a payment or game, or predict a result. Check current terms and official provider information for the exact account and transaction.
Quick reference
| Potential charge | Who may apply it | What to check |
|---|---|---|
| Withdrawal fee | Operator | Terms and whether it reflects direct cost |
| Wallet transfer | Payment provider | Route-specific fee schedule |
| Currency conversion | Wallet, processor or bank | Quoted rate and conversion markup |
| Receiving account | Bank | Account tariff and incoming-payment rules |
Frequently asked questions
Can a casino charge a fee to withdraw my deposit balance?
UKGC guidance says any such fee must be reasonable, reflect direct costs and be transparent in the terms.
Does PayPal use one conversion fee for every route?
PayPal’s consumer fee page describes route-specific terms. Check the current account quote and fee page.
Related guides
Sources
- UK Gambling Commission: restrictions on withdrawing deposit and deposit winnings (checked 10 November 2026).
- PayPal UK: consumer fees (checked 10 November 2026).
- UK Gambling Commission: payment methods and services, LCCP 5.1.2 (checked 10 November 2026).
Editorial note: Great Britain scope means England, Scotland and Wales. Method availability and rules can vary by operator, payment provider and account. This page is not an offer or recommendation.