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PayPal: Send Money Free

2013 update: now this process is simpler than what I describe below.  Just select “I’m sending money to family or friends” and it will clearly tell you there is no fee.

Recently, PayPal introduced free money transfers – I find it a convenient way to send and receive money. It’s fast.

In some cases, it’s free to “Send Money”. Sometimes there are fees. Here’s how it breaks down.

  • Within the US (in USD): Personal transfers to friends and family
  • Must be: Fully funded by PayPal balance or Bank account (not credit card)

I’ve highlighted the 4 areas to edit to use “personal transfer”

The confirmation page will show you “$0” fee

see video with more details

see also:  Send Money Free vs. Fees

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  1. Posted September 21, 2010 at 1:35 pm | Permalink

    Thanks for the post. I find PayPal complicates things more than they need to, like all the things they stick under “More” in the profilel drop down. It’s always great to learn a new trick to save a little money.

  2. Posted April 9, 2011 at 4:59 am | Permalink

    If it’s not within the US, is it still free?

    • Posted April 10, 2011 at 6:42 pm | Permalink

      I don’t think personal payments are free if they involve a currency conversion. A quick search at PayPal didn’t turn up a definitive answer so please leave a comment if you find out more.

      • Posted March 13, 2012 at 5:30 pm | Permalink

        In China,the paypal is very expensive,we have to pay 4% fee.

  3. Posted July 19, 2012 at 5:24 am | Permalink

    To send money with paypal is free, but the recipiant have to pay 4,2% plus 0,30US

    • Posted October 9, 2012 at 12:25 pm | Permalink

      I have found that this is not the case if both parties avoid using credit cards and use ‘personal transfers’ even internationally.

  4. Posted October 19, 2020 at 3:06 am | Permalink

    An old but evergreen article.
    An awesome piece of content!

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