eBay Personal vs. Business Account: Which One is Best For you?

eBay offers two types of accounts to their subscribers, which you may already know. They include the Personal Account and the Business Account. It can get quite puzzling in comparing eBay Personal Vs. Business Account, which is why we have put this piece of writing together.

This article explores the differences between the eBay personal and the business account. This will help you know which one suits your needs. What’s more, you will discover the fees attached to the different accounts and the benefits and risks involved in them. Read further to get the information in detail.

eBay Personal Vs. Business Account: What are the Differences?

The eBay buying and selling platform offer two forms of accounts to its users: Personal and Business accounts. This allows different scale sales. The main differences are in the accounts set up and the possibilities each account offers.

eBay Personal vs Business Account


eBay Personal Account

The eBay personal account is one of the two main account options available on the platform. This type of account is best for casual sales. By casual sales, we are referring to those who wish to sell items that are no longer useful to them.

eBay Business account

On the other hand, the eBay business account is the form of account that is specifically made for a larger quantity of products. Therefore, people who use the business account are those who are in for a wider scale of sales.

Let us consider their differences in detail:

1. Account Set-Up

Personal Account – Setting up an eBay personal account is quite simple. All you need to set up this type of account is your email, first name, and last name, as well as a password to secure the account. Then, click this link to begin your registration.

Business Account – On the other hand, setting up an eBay business account also involves a straightforward process. However, the business account requires more information than the personal. Here you have to provide the business name, business email and create a password for the account. Also, you will need to select the business location (Country) to create the business account.

2. Sale Scale

Personal Account – The sale scale of an eBay personal account is quite casual. This is an account for individuals who wish to use the platform to sell personal products on a minimal scale. In summary, people who create an eBay personal account do so with no intentions to go into an actual business.

Business Account – Conversely, the eBay business account is for those who wish to venture into full-time sales on the platform. They deal with large quantity products.

3. Products

Personal Account – Most of the products you will find on a personal account are basically for personal use, not for resale or commercial use.

Business Account – Products on an eBay business account are for general use, including personal use, business, or commercial use.

4. Account Holders

Personal Account – Account holders on an eBay personal account are solely individuals who just want to create a personal eBay account to sell their products.

Business Account – eBay business account holders may include manufacturers, resellers, and a group of persons who want to create a large-scale business

eBay normally charges less for a personal account because of its small business nature. But for a business account, the charges are bigger than that of a personal account. Some features on eBay access free for personal accounts, and on business accounts, they are not free.

This is mostly because most of these features have limits for their free access. For example, the personal account is always within the limit, while the business account is always above it. Most times, the account owners do not intend to go over these boundaries, but the bulky nature of the account doesn’t let it stay under.

eBay business vs. personal accoun Fees

However, eBay charges the same amount for items sold on both personal and business accounts. This is because the major fee difference in both accounts is in the insertion fee and not in the final value fee.

Insertion is the listing of items for sale on eBay. Listing of items on the platform is free when the user lists 250 or fewer items per month. However, when it is over 250 items in one month, the platform charges $0.35 for listing each item above 250.

A personal account gets free listing because its items are mostly around the free listing figure. But the business account is not likely to get a free listing because it list over 250 items to meet customers’ needs. All these are not applicable in final value fees.

Item categories with their final value fee

Item category Final value fee
Most item categories with exceptions
  • eBay gets 12.55% on a total amount of up to $7,500 sale they calculate per item.
  • They get 2.35% on a sale of over $7,500
  • $0.30 per order
Sneakers worth over $100
  • eBay does not have any final fees for sneakers sales of over $100
Women’s bags
  • They charge 15% if the total sale is $2,000 or less for each item
  • 9% if the total sale is $2,000 or more for each item
  • $0.30 for every order

eBay personal vs. business account: Pros and cons

As much as you can make a passive income from both accounts, which is a major advantage, both accounts also have disadvantages. The eBay personal account has its unique advantages and disadvantages, likewise the business account.


eBay personal account pros and cons


  • Passive income: Most business account users are registered-business owners or people who are looking to start their business. But, personal accounts are owned by people who just want to sell out items that are not useful to them. So, a personal account holder can have several other jobs while making money passively on eBay.
  • Free item listing: A personal account holder doesn’t have any business with paying to list his/her items on eBay. It is because they mostly have little to sell and eBay offers free listing for 250 or fewer items per month.


  • Lower sell limit: A personal account has a low selling limit. For some of them, users cannot sell over 10 items in a month.
  • No access to better tools: eBay does not provide a personal account privilege to access better tools. Users of such accounts can only use the little tool they have at their disposal.
  • No company branding: People who have personal accounts, even if they have companies, can’t use their company names until they switch. This reduces the level of their company branding.
  • More tax: From the record, personal account owners pay lesser taxes, but they earn way lower than business account owners. So, taking their taxes off their income will leave them with a lesser income. This logic proves that the personal account holders spend more on taxes.

eBay business account pros and cons


  • Lower taxes: Business accounts pay more tax than personal accounts, but the deduction opportunity is worth it. Many business account owners make an enormous amount of money yearly and compare this to their tax. Yet, the profit is still humongous. So, the taxes are lower in a business account compared to a personal account if you combine the profits.
  • Access to promotions and better tools: Unlike the personal account, the business account grants users access to better tools and promotions for their business. They limit tools like promotion managers to some sellers on eBay. Although there is no assurance that you can access this tool as a business account user, but the chances are very high. There are other lucrative tools that only a business account can access.
  • High selling limit: eBay sets sell limits for sellers who are new to the platform. For many new sellers, it is a maximum of 10 items in one month. This is mostly for new personal account users. But, a business account user can list over 250 items.
  • Better privileges during pandemics: A business account can still make money because of its eligibility to sell certain products during any pandemic. A personal account does not support this kind of product. Only business accounts can sell a product like toilet paper.
  • Company name usage: The eligibility to use a company on eBay is only on a business account. A personal account cannot use a business name because it is for an individual and not a firm. However, a firm will use a business account so that they can use their business name and promote their firm.


  • Extra paperwork and stress: As an eBay business account owner, you will need to record every transaction you make with your account. It helps for accurate tax payment, but it is stressful for the account holder. The paperwork that goes into these recordings is much. When you register your eBay account as a business account, treat it as one. So, the daily stress it entails can weigh the user down.

Which one should you choose?

As an eBay user, the choice of whether to use a personal or business account depends on what you need them for. We won’t advise someone who doesn’t have plenty of items to sell to use a business account. This is because the fees will run the business down.

The same advice goes for someone who has many items to sell that wants to use a personal account. The sell limits and other disadvantages will slow down the business.

So, to choose an account accurately, determine what you need it for and if you have a registered business. Also, check if your business can produce enough income to cover the taxes and fees attached to each account.

Can I change my eBay account from personal to business?

It is possible to change your eBay account from personal to business. It takes just a few easy steps to switch and start enjoying the many benefits that a business account offers.

Steps to switch from personal to a business account:

Step1: Go to personal information

When you open the eBay platform, you will see the ‘My eBay’ tab. Click on it. It will take you to a page where you will click on a heading that says ‘My Account. Afterward, you will see the section where you will click on the ‘Personal Information’ tab.

Step2: Choose an account to switch to

On the page you will get to after following the previous step, you will find an ‘Edit’ link close to the ‘Account Type.’ Click on it and allow it to take you to the next page, where you will select the business account. It is on the ‘Change Account Type’ page.

Step3: Finalize the process

When you have gotten to this point, you are close to finishing the process. What is remaining is entering your details for the business account and clicking on the ‘Change to Business Account’ tab. After doing this, your switching process is complete, and you can start using your eBay business account.

Some people might not want to go through the switching process. For such persons, we advise you to go to a platform where you can buy verified eBay accounts.


Comparing eBay Personal Vs. Business Account is a great way to figure out which of the account types is best for your needs. In a nutshell, the eBay personal is an account designed for casual sales, while the business account is specially meant for global traders into larger-scale sales.

So the quantity of your products determines the account you might decide to create. Otherwise, you can go through the pros and cons to figure out which of these accounts meets your desire.

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