Paypal used to be a good company, but these days they really do sting you all over the place with fees. For example, if you pay for something in a foreign currency, they give you a very poor exchange rate. There are also loads of other hidden fees that you only find out about after the fact.
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PayPal lets you send money to anyone with email. PayPal is free for consumers, and works seamlessly with your existing credit card and current account. You can settle debts, borrow cash, divide bills or split expenses with friends, all without going to an ATM or looking for your chequebook.