If you are sending money to someone via Paypal, you can now avoid paying their 3% + $0.30 fee.
It used to be that you had to receive the money at a “Personal” Paypal account to avoid paying fees. I wrote about this in 2008.
Now it’s easier. When you are sending money to your friend or whoever, just be sure to select that you are sending the money as a “Personal” charge and not a “Purchase”. See the image.
As long as you aren’t funding your account with a credit card, there are no fees :-). That’s right, no fees to send and no fees to receive. This is how Paypal was when it first started.