Sending money is usually free in the U.S. Learn more about PayPal's fees for buying & selling online, international fees, and discounted rates. I am told that I can send money fee free to family but I can't do it why? Please help. 6. How to receive credit/debit card payments via PayPal? Is it free? You have a PayPal account, you. Thanks for using PayPal. Log In Sign Up. Account Types Most PayPal users set up individual accounts. Are you family in the same country as you? Free Transfers You don't pay anything to send money to someone who also has a PayPal account if you transfer funds from your bank account.