How to Avoid a Personal PayPal Fee

1. Login to your PayPal account and check your balance. If the amount is insufficient, make sure the funds in the bank account linked to your PayPal account will cover at least the remainder of the amount.
2. Click the 'Send Money' tab in the top menu.
3. Enter the recipient's email address or mobile number and the amount you would like to send. Click the 'Personal' tab and select the option that best describes the money transfer -- gift, payment owed, cash advance, living expense or other. Click 'Continue.'
4. Review the details of the money transfer. To fund the money transfer entirely from your bank account, scroll down to 'Payment Method' and click 'Change.'
5. Click 'Send Money' to complete the transfer.