HomeAPPS & GAMESHow To Send Money To Friends And Family On PayPal 2022

How To Send Money To Friends And Family On PayPal 2022 [Updated]

  • We are able to send money to PayPal friends and family members using the mobile app or your desktop computer.
  • To send money through PayPal, be sure that you have a bank account, credit, or debit card already connected to your account.

PayPal is one of the most popular ways to send money to Friends and Family members and also vendors, via its mobile app or website—but things get complex when you mix the two.

If you are sending money to friends and family members, you won’t have to pay a fee. All you need is your friend’s email address, phone number, or PayPal username, and a connected bank account or credit or debit card.

Here’s everything you need to know about How To Send Money To Friends And Family On PayPal (and a few friendly warnings as well).

Note: The following applies to Personal PayPal accounts. If you have a PayPal Business account, friends and family payments may not be available to you.

What are PayPal friends and family option?

When you want to send or request money through your personal PayPal account, you can choose the option whether it’s a “Friends and Family” payment or a “Goods and Services” payment.

How To Send Money To Friends And Family On PayPal

Friends and Family payments are often used to pay back a friend, deliver money to family members abroad or send digital gift cards.

How To Send Money To Friends And Family On PayPal?

To send money using PayPal friends and family, both you and the recipient need to have a PayPal account.

Sending money with PayPal friends and family only takes a few steps:

1. Visit to the official site https://www.paypal.com & click Log in.

How To Send Money To Friends And Family On PayPal

2. Sign in to your PayPal account. If you already have an account, enter your username and password, and then click Log In.

  • If you are new to PayPal, you’ll need to create an account and add a payment method before you can send money online. Click the Sign-Up link and follow the on-screen instructions to create your account. See How to Use PayPal for more info on setting up an account.
  • See How to Add Money to PayPal to learn how to connect your bank account, debit, or credit card to your account.

How To Send Money To Friends And Family On PayPal

3. Click on Send & Request tab.

How To Send Money To Friends And Family On PayPal

4. Select a payment option. The option you choose will determine how the payment is processed and how fees (if applicable) will be applied.

  • Click Pay for goods and services if you purchased something from someone and want to process a payment. This payment method includes a fee for PayPal Purchase Protection.
  • Click Send to friends and family in the US if you want to send money to someone in the US for personal reasons. This option is free.
  • Click Send to friends and family internationally to send money to someone in another country. This option requires the use of a third-party service called Xoom.

How To Send Money To Friends And Family On PayPal

5. Under Send money, enter the recipient’s email address or mobile phone number and click Next.

  • Confirm that you have the email address or phone number is correct before sending money so you don’t accidentally send it to the wrong person.
  • Click on the field instead of typing the information if you have sent money to this person in the past. A scroll-down list will appear that shows everyone you’ve paid recently.

How To Send Money To Friends And Family On PayPal

6. Enter the amount and click Continue.

  • Your location’s currency should already be selected from the drop-down menu. If it’s incorrect, select the correct currency now.
  • Anything you type into the “Add a note” field will be sent to the recipient.

How To Send Money To Friends And Family On PayPal

7. Review your payment details. This screen displays a summary of the payment you are about to make. Review all of the details before you send your payment.

  • If the selected payment method is not the one you want to use, click Change Payment Method, select or enter an alternative, and then click Next to confirm.
  • If your PayPal balance is enough to cover the payment, it will be used to make the payment. If your account balance doesn’t cover the whole amount, PayPal will apply the balance and take the rest from your default payment account.

How To Send Money To Friends And Family On PayPal

8. Click Send Payments Now.

  • The recipient will be notified of your payment immediately.
  • If the recipient doesn’t have a PayPal account, they’ll be prompted to create one.

How To Send Money To Friends And Family On PayPal

How To Send Money To Friends And Family On PayPal: How much does it cost to use?

PayPal friends and family option can be made to anyone in the U.S. for free (from your bank account or PayPal).

If you are sending money internationally, you may be charged a transaction fee equal to 5% of the send amount (up to $4.99 USD).

When you pay with a debit or credit card, you’ll be charged a small processing fee—for both domestic and international transactions. Currently, the rate is 2.9% + a fixed fee (varies by currency; $0.30 in the U.S.).

Does any scam happen on Paypal friends and family?

The answer is YES.

There is a good rule that if they are not your friends and family in real life, they shouldn’t be your friends and family on PayPal.

But, sellers will request you to make a procurement using PayPal friends and family rather than the traditional Goods and services payment. This can be a convincing argument as there is no fee required, meaning they may offer you a discounted rate.

Don’t fall into this trap.

In fact, using PayPal friends and family for business purchases is explicitly against their User Agreement:

“You must not use the “send money to a friend or family member” feature in your PayPal account when you are paying for goods or services.”

Business owners should never ask you to pay in this way. Take it as a red flag and just pay the goods and services fee.

As one user commented “3% is a small price to pay for peace of mind”

Problems with How To Send Money To Friends And Family On PayPal

Though PayPal does have millions of customers, not all users have had such a pleasant experience. In fact, so many people have felt slighted by PayPal that entire websites exist to discuss problems about PayPal and mock its business practices. Perhaps the most prominent is PayPal Sucks.

One of the biggest criticisms of PayPal is that it acts like a bank, but it isn’t regulated like one. Critics maintain that PayPal offers none of the protection that real banks offer, and it isn’t required to maintain any of the security, customer service, or dispute resolution services that banks provide. At the same time, PayPal holds large amounts of their customers’ money, makes millions of financial transactions, and even offers credit and debit cards.

So why isn’t it considered a bank? In 2002, the Federal Deposit Insurance Corporation (FDIC) declared that because PayPal didn’t meet the federal definition of an entity accepting deposits as a bank, hold any physical money or have a bank charter, it was not a bank [source: Wolverton]. In other words, PayPal isn’t a bank because it doesn’t call itself a bank. As a result, most states license PayPal as a “money service.”

One of the most common problems encountered by PayPal users is the sudden and inexplicable freezing of their accounts. If your PayPal account is frozen, you can’t add or withdraw any funds from your account, and you’re required to go through a long, complicated process to verify your identity. Some users claim that PayPal has simply seized their funds and never returned them. Other complaints against PayPal include rude customer service representatives, a long and confusing user agreement, and loose hiring practices that may have led to account fraud [source: PayPal Community].

FAQ On How To Send Money To Friends And Family On PayPal

1. How do I use PayPal friends and family option?

  1. Log in to your PayPal account.
  2. Click the option ‘Send & Request‘.
  3. Choose payment option – ‘PayPal Friends and Family‘ Or ‘Goods and Services‘.
  4. In the ‘Send money‘ section, Enter a phone number, email, or contact name.
  5. When prompted, select ‘Sending to a friend‘.
  6. Enter the payment amount. You can add a note to your friend.
  7. Review your Payment Details & then click on ‘Send Payment Now‘.

2. Can you get scammed on PayPal Friends and Family option?

If you want to send somebody money through PayPal Friends and Family, and you are expecting to get something delivered to you, and that “something” does not get delivered; there’s nothing to do about it!

The PayPal policies state this clearly that this type of payment should not be used for getting something delivered to you. You should use PayPal Goods & Services to get something.

Even if you received your item, and PayPal found that you are using this type of transaction, they could deactivate your PayPal account and kick you off the platform because it’s against their policies and procedures.

3. PayPal Friends and Family vs Goods and Services

  • Sending Money to PayPal friend and family: This is used when sending money or a gift card to a friend or family member. Before you complete a payment, you can opt to pay the fee, or pass it onto the recipient to be covered by PayPal Purchase Protection.
  • Paying for Goods or Services: This is used when you buy an item or service from someone. When you make a purchase, the seller pays a small fee to receive your money. Your payment is covered by our protection policy automatically.

You can also create a personal payment to anyone in the U.S. for free. Just make sure that you pay for the entire payment using your bank account or, if you have a PayPal Cash account or PayPal Cash Plus account, your balance. There is a small charge for payments made with a debit or credit card.

Note: Currently PayPal is unable to allow personal payments to or from India.

4. Are you covered on PayPal friends and family?

PayPal policies clearly told: “PayPal Buyer Protection does not cover money transfers between PayPal friends or family. If someone selling you goods or a service asks you to send money through PayPal friends and family, you should refuse him.

5. Can someone reverse a PayPal friends and family payment?

You all know that PayPal friends and family payments can be reversed. PayPal will not do it, however, if you dispute a friends and family charge with your bank, they are capable of reversing it. For example, if you claim that your account was hacked, they can and have reversed payment.

6. Why is PayPal charging me to send money to a friend?

If you are a PayPal account holder in the United States, want to send money to a friend or family member with a PayPal account in a country other than the U.S. then PayPal will charge you & the fee you pay depends on the Payment Method used and the amount you are sending.

7. How do I link a bank account to my PayPal account?

Visit this page- Link Your Bank Account To Your PayPal Account

8. How do I link a debit or credit card to my PayPal account?

Visit this page- Verify Your Credit Card To Your PayPal Account

9. How to send money through PayPal friends and family app?

10. What is the PayPal friends and family fee?

For detailed information visit this – PayPal friends and family fee

~ You Can Donate Us To Run Our Website ~


Also Read

You cannot copy the content from my article.