I thought they charged fees. I swear the one time I transferred with Paypal it charged me a percentage.
Transferring money via PayPal is free, under certain conditions. 1. The payment must be a "friends and family" payment, not a "goods and services" payment. 2. The source of funds must be a PayPal balance (or maybe a linked bank account - not sure about that). If the source of funds to be sent is from a linked credit card, there will be a fee.
All said, not such a bad deal. If you keep a small PayPal balance for this type of thing, the "friends and family" transfer is free and works well. There is a good reason for two types of payments - the "friends and family" payment is final, whereas the "goods and services" payment is associated with certain buyer's rights such as the ability to challenge the payment for fraud or non-delivery, etc.
My comments do not constitute a definitive account of PayPal payments - this is just a description of my experience buying and selling items on hobby-related discussion forums.
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Why can't she just do an ACH transfer?
ACH transfer is a good solution; most banks allow this and have a simple set-up procedure. Some banks, incredibly, charge a fee for a simple ACH transfer. I have done hundreds of ACH transfers without paying a fee in the past through various banks and brokerage accounts. Recently, however, I attempted to do an ACH transfer from my mother's SunTrust account to her account at another bank. A message appeared stating that there would be a $3.00 charge for the ACH transfer. I called a SunTrust rep, who confirmed the $3.00 charge.
I am in the process now of closing the SunTrust checking account and will deposit the balance in another bank account.
If you are not careful, some banks will "fee" you unmercifully. The only solution is to vote with your feet - move your funds elsewhere.