PaysafeCard Gebühren und Limiten erklärt
Published on: Aug 6th, 2026
Last updated: August 13th by Sandisiwe Harvey, Payment Content Specialist, English
PaysafeCard lets you pay online quickly and securely with a prepaid code — no bank account, no credit card and no financial details shared at checkout. It's one of the most popular ways to make prepaid online payments, but the small print around fees and limits can be confusing, mostly because the numbers change from one country to the next. This guide breaks down exactly what applies in the UK, the US, Canada and Australia, so you know what a PaysafeCard costs to hold, spend and cash out before you buy.
Information here is taken from PaysafeCard's official regional fee pages and checked at the time of writing. Fees, limits and thresholds are set by PaysafeCard and can change, so it's always worth confirming the live official page for your country before relying on a specific number.
If you’d rather skip the queue at a shop, you can always buy a PaysafeCard online at dundle. As an authorized PaysafeCard seller trusted by customers worldwide since 2012, dundle delivers your prepaid code by email within minutes.
Why does PaysafeCard charge fees?
PaysafeCard's fees mostly appear in specific situations rather than at the moment you pay. The main ones are:
A monthly service fee on unused code balances
A separate inactivity fee, in some markets, when a myPaysafe account sits unused
A flat redemption or refund fee when you cash out credit
A currency conversion fee when you pay in a currency different from the one your code or balance is held in
If you buy through an authorized online reseller, you may also pay transaction costs or service fees.
These charges exist because a prepaid code is stored value that PaysafeCard has to hold, safeguard and administer over time: the service, inactivity and refund fees cover the cost of maintaining that balance and processing payouts, while the conversion fee reflects the real cost of moving money between currencies.
If you want a closer look at how the payment method protects you and how it's regulated, see whether PaysafeCard is safe.
Fees on the PaysafeCard code itself
Buy a classic PaysafeCard prepaid code and don't spend the full balance, and a monthly service fee is eventually deducted from whatever is left. The fee and the point at which it kicks in differ by country:
United Kingdom: GBP 4 per month, starting from the 2nd month
United States: USD 2, applied after 24 months of inactivity
Australia: AUD 5, starting from the 2nd month
Note: PaysafeCard updates these periodically, so confirm via the link before you buy.
The good news: this fee only bites if you leave credit sitting unused. Spend your balance within the free period, or redeem the code into a myPaysafe account, and you avoid it entirely. If you're planning to keep a balance for a while, it's worth creating a PaysafeCard account so your credit is safe from code service fees.
Spending limits with and without a PaysafeCard account
Without registering, each country caps how much you can spend per transaction. Opening a myPaysafe account and verifying your identity raises those limits and gives you a running balance you can reuse across several purchases. You can also combine up to 10 codes in a single payment to cover a larger total.
United Kingdom: unregistered-code cap of GBP 40 per transaction; a myPaysafe account allows a GBP 250 monthly payout on the Standard tier or up to GBP 24,000 per year on the Unlimited tier.
United States: unregistered cap of USD 300 for a combined-PIN transaction; a myPaysafe account can hold up to USD 1,000 in balance with USD 1,000 in monthly usage (en-us)
Canada: unregistered cap of CAD 400 for a combined-PIN transaction; account balances up to CAD 3,500 and CAD 10,000 in monthly usage (en-ca)
Australia: unregistered cap of AUD 200 for a combined-PIN transaction; account balances up to AUD 1,000 and AUD 6,000 in annual usage (en-au)
The US and Canadian figures shown are the combined-PIN transaction cap; myPaysafe account balances and usage caps are separate numbers published on the respective official pages.
Upgrading from a standard to a verified ("Unlimited") account tier through identity verification can raise some of these caps further. Once you have an account, you can also top up your PaysafeCard balance with new codes to keep spending.
Redemption and inactivity fees
Where a redemption or refund fee applies, it's usually a flat amount taken from the payout, charged once per redemption. Some countries also charge a separate inactivity fee if a myPaysafe account itself (not just an unused code) sits inactive for an extended period.
United Kingdom: redemption/refund fee of GBP 6 per refund, plus a separate account inactivity fee of GBP 5 per month from the 13th month of no account activity.
United States and Canada: redemption/refund fee is not published on the official fees page at time of writing and should be confirmed before quoting; no separate inactivity fee is published for either country.
Australia: redemption/refund fee of AUD 7.50 per refund, with no separately published inactivity fee.
Currency conversion fees
Paying in a different currency than the one your code or account balance is held in triggers a conversion fee. The exact rate moves with the market, so check PaysafeCard's official currency calculator for your country before estimating the final cost. As a rule of thumb, keep your code, your account, and the site you're paying in the same currency where you can — it's the simplest way to avoid conversion costs altogether.
Transaction costs
When you buy a code online, a reseller usually adds a small service fee on top of the voucher's face value to cover payment handling and instant delivery. This isn't a PaysafeCard charge, so the amount differs from one reseller to the next and can even vary by the payment method you choose. A trustworthy reseller shows this fee clearly in the order summary before you pay, so you see the voucher value and the service fee separately and know the full total upfront.
No more fee surprises
Fees and limits aren't the most exciting subject, but a little upfront knowledge pays off. Check the official page for your country before you buy or top up, so you know exactly what you can do with your PaysafeCard, registered or not, and never lose credit to a fee you could have avoided.
About the author
Sandisiwe Harvey, Payment Content Specialist, English
Sandisiwe is an award-winning journalist and content creator at dundle, covering English-speaking markets worldwide. Her work has appeared in Daily Maverick and News24. Drawing on her journalism background, she brings rigorous research and editorial care to guides on online payment safety, fraud prevention, and prepaid cards. Based in the Netherlands, she helps consumers make informed decisions and transact securely online.