I think it depends on teh kind of paypal account you have. Mine takes a fee out because I have it connected to a credit card for payments from ebay. If I didn't do that I woud get it without the fee. That is at least what someone told me. I tried to make another paypal account without that card but it needs a bank account that isn't already used and I only have one so I couldn't. I know some people have two paypal accounts for just this sort of thing.