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ok. i never knew that.  its just so convenient for online shopping.

Yes, then there is an up to 3% extra when withdrawing the money to my bank account:   Once you have money in your PayPal account you may want to withdraw it to your linked bank account or card. There may be a fee for this service, depending on exactly how you want to process the withdrawal. Here are the PayPal Australia withdrawal fees for consumer and merchant accounts: Withdrawal type PayPal fees Standard withdrawal to bank account

If you pay with a PayPal balance, or pay from a linked bank account that's in credit, then PayPal payments are fee-free within Australia.   However, if you pay using a credit card through PayPal, then the fee is 2.6% + 30c fixed fee.   You're normally able to select who pays any fee (buyer or seller) when you make a payment.   PayPal Fees for Australia: A Full Guide 2024 - The Currency Shop WWW.THECURRENCYSHOP.COM.AU PayPal F

I could however PayPal charges a huge amount on fees, if I recall about 4%, whereas banks charge me around 1.8% to 2% credit card fees

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