We are living in a digital age where you can purchase things online, transfer funds online, and so on. People want free PayPal accounts with money to buy things online free. It is an advantage in the field of e-commerce where you can buy things by making online transfers and you do not have to handle money such as currency notes and coins.

In this post, I am going to share the tips on how to get a free PayPal account. Although people may start thinking about online protection while processing the payment.

In this post, you will get to know about PayPal that what is PayPal. It is a company that deals in online money transactions which is an ideal choice for buying stuff online.

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What is PayPal?

PayPal aka PayPal Holdings Inc, it is US based company that allows you to transfer money online. It saves you from the headache of making payments in the form of cheques.

This payment gateway is also helpful for online auctions, traders and commercial purposes. It came into existence in 1998. In March 2000, it merged with X.com, xcom is an online company and the owner of that company is Elon Musk.

After a couple of years, eBay acquired PayPal which is an e-commerce cooperation. They came up with an agreement that 70% of the money transactions on eBay will be made through PayPal.

That is why, you also need to know how to get free PayPal account with money as well. After making these pacts, they got into partnership with Master Card to make payments on online websites. In this way, the users can make a payment using a Master Card as well.

Disclaimer: Green Hat Expert does not support any kind of piracy or illegal use of accounts. The accounts mentioned on Green Hat Expert are either submitted by the users or have been collected from other open-access portals.

Note: Free PayPal accounts with or without money are available but they are limited. Some PayPal account logins may not work if they are being used by anyone else. Come back later to see if new accounts are available.

Introduction to PayPal

Online shopping has become an easy task due to PayPal. If you are using it, you will find it secure and convenient for your transactions. Currently, it is offering three types of accounts including Personal, Premier and Business.

Personal Accounts: This type of account is ideal for people who want to shop online and make normal transactions.

Premier Accounts: Premier accounts are for those sellers who have to accept payments in bulk from credit or debit cards.

Business Accounts: This account is for business owners.

Every account consists of its own characteristics.

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• How to Get Premium Netflix Account for Free

PayPal can also be used to make personal payments online.

Other terms we can associate with the payments we made using PayPal are personal payments and online purchasing. When you make personal payment, the sending and receiving are free of cost, you need to use your free PayPal account to perform this task. If the money is sent using a credit card, the transaction charge of 2.9% will be applied. While doing online purchasing, the purchasing is free of cost with PayPal account. Furthermore, the receiver will have to pay the transaction fee ranges from 1.9 to 2.9%.

Related Read: How to save PayPal Fees

How to Get a Free PayPal Account?

After getting all the required information, lets get to the part, how to create a Free PayPal account.

Method 1: Free PayPal Account and Passwords (2020)

Free PayPal Accounts Username and Passwords List:

Email : lmhwf4jg@gmail.com Password : u6p-rff-lwq

Email : ak5566@gmail.com Password : 9v9-ogs-t1e

Email : 2zi9e@gmail.com Password : t1z-xxu-oat

• Username : Password
• senga000 : 0053411070
• BIrdt3n : b12345678
• amirgui20 : especial600
• calwk : calwkgod
• Carldeosupnet : justdoit09z

I hope that you have got PayPal logins and passwords in this section.

Method 2: Get Free PayPal Account With Swagbucks

With the help of Swagbucks, you can get Free PayPal accounts with money. You need to go through the sign up process.

You need to follow the given steps:

• Signup on the web-page when it opens using your email address.
• You will get a confirmation mail after a few seconds. Click on the confirmation link to confirm it.
• After completing it, you will come across a number of tasks, and you need to complete any of them.
• Once you complete those assignments, the PayPal free account will instantly be sent to your email account.
• You can implement this as many times as you yearn! So, get started!

Sign Up for Swagbucks!

Method 3: Get Free PayPal Accounts With InboxDollars

inboxDollars is a platform that enables you to complete the assignments they give, and you can get the cash prizes, gift cards and bonuses, you can follow these steps to perform this task:

• Firstly, Open your internet browser.
• Go to the website of inbox dollars.
• Put your mail id and password in the pop-up menu and click on Sign-Up to start sign up process.
• A confirmation link will be sent to your email. Click on it to confirm it and choose any one task.
• You will be immediately directed to a mail after completing the assignment which indicates that free account has been created.
• You can repeat the above steps with different email logins and start having fun.

Get Started with InboxDollars now!

Method 4: With Survey Junkie

It is another method to get free PayPal accounts with money, Survey Junkie is another platform that allows you to earn cash, gift cards and you can do the shopping on sites like Amazon. You can get the desired results by completing the tasks given by Survey Junkie. Now follow the given steps to create a free account on Survey Junkie:

• Firstly, open your internet browser.
• Go to the website.
• A pop-up menu will show up in which you have to enter your details.
• Later you will receive a confirmation email.
• Open your email in a new tab and click on the confirmation link.
• After completing it, you will be forwarded towards free premium account.
• You can do the repetition of the above steps with different emails too!

Visit Survey Junkie now!

Method 5: Get Free PayPal Account Without Money with Signup

• First of all, go to the web browser and open PayPal’s home page.
• Now visit the sign-up section of PayPal and fill out the details. After completion, select the type of PayPal account you want to create: Shopping or Business. Select the desired type.
• Now you’ll be asked the sign up questions, i.e., country, email id with a password, etc. Fill all the required details.
• After completing the above-mentioned steps, you need to enter the PAN card details (it is only for Indians), mobile number and address, etc.
• PayPal asks for 2 security questions to recover your account in case you forget your password.
• Next, its time to fill the credit card details. After putting the details, uncheck the box that asks to store your card details with your PayPal account. Click agree and make an account.
• After this, you need to enter the card details once again. Choose go to my account on the bottom of the box.
• Now Verify your account. After clicking it, you will receive a verification email from PayPal. Open your email and click confirm to confirm it.
• Now visit your account and enter the bank details. In this way, You can link your bank account to PayPal. Now you have successfully created free PayPal account.

Method 6: How to Get Free PayPal Account with Money

Use certain apps and websites to earn points, while talking about such websites, PointsPrizes is one of them. It helps you to earn PayPal Cash in PayPal account. All you need to do is to complete some tasks in order to earn points such as complete a survey.

When you will earn points, it will lead you to get free PayPal accounts with money. It takes 4-7 business days to reach the cash. Download cracked apps from Play store to earn money on PayPal.

Features of PayPal

Now lets go through the features of this technologically advanced payment processor that has changed the face of digitalization.

• It is an effective and reliable method to make online transactions. The website comes with encryption. Hence it is safe from intruders who try to steal your data, the security of this entity creates random security codes to keep your account safe.
• If anyone uses your money from your PayPal account, then you are likely to be reimbursed according to PayPal’s Buyer Protection and Account Protection program to prevent loss.
• You can send and receive money from this method in more than 100 different currencies.
• You can buy a free YouTube Premium account for streaming premium content from YouTube.
• Request payments online if you want to get paid online using an email address if he is a PayPal user.
• PayPal also has a donation button that allows you to donate money. You may have met people who are raising money for a social cause asking you to donate through PayPal.
• You just have to link your bank account or credit card to your PayPal account to withdraw money. After going through this, when you will make any online payment and you will choose PayPal as the mode of payment, then you just have to log in to your PayPal account and make the payments.

Final Words

Now we have learned everything we need to know about PayPal, we can use it. It has become a popular payment method among freelancers and online earners. It is easy to use due to its amazing features, you can make a purchase online with ease. I hope that you have liked the article on free PayPal accounts.

How to Avoid PayPal Fees

At the end of every year, people usually review their past 12 months to observe their spending habits and net worth etc.

In my opinion, it is necessary to take your personal finance matters into consideration in general month-to-month tracking.

There are 2 reasons of doing that:

• You can observe the financial well-being whether it is positive or negative.
• To track the income you generate from your work to encourage yourself.

After going through the past transactions of 1 year, I have come to know about shockingly wastage of money: I wasted about 110$ in PayPal fees in 2020.

You may have experience this incident, that is why I am writing this guide. I do not want to make it worse every coming year.

If you send money from PayPal on daily or hourly basis it is a big deal. So, you need to know the methods of how to save PayPal fees to save some money.

This article is on:

• How PayPal Fees Work
• How to Avoid PayPal Fees
• Alternative payment methods that you can consider or use

Let’s start.

PayPal Fees Explained:

PayPal Business Account Fees:

The fees of PayPal depends on different factors including the type of account of PayPal, the currency you are dealing in, and the purpose of transaction etc.

If you are using PayPal as a payment gateway in your online business, you need to open a PayPal Business account.

PayPal business accounts consist of monthly costs and merchant fees. This type of account can be divided into Standard and pro plans:

As a merchant, if the payment you get from a PayPal account in Canada, the fee for this transaction is 2.9% of the amount + 0.30$ CAD.

If the money you receive from a PayPal account in the United States, the fee for this transaction is 3.7% of the amount + 0.30$ USD.

Apart from USA and Canada, if your sender is from any other country, you have to pay fee of 3.9% of the amount along with a fixed fee based on the currency.

PayPal Personal Account Fees:

If you are a user of personal PayPal account in order to receive the payments from your job, you may have to pay PayPal fees to get the job done.

Personal PayPal accounts come with different fee structures keeping in view your country of residence, but I am going to discuss the US based PayPal fee information for personal accounts.

For United States personal PayPal accounts:

• Buying is free of cost if it is within the US (same is the case in Canada).
• Sending money is free if the transfer is made by your bank account linke to your PayPal account or PayPal balance (you will be charged 2.9% plus a fixed fee if payment is made using a credit/debit card or PayPal credit).
• Money Transfer from your PayPal account to your linked bank account is free of cost, however, instant transfers charge 1% of the amount transferred up to a maximum of $10.

PayPal payment method also charges a currency conversion fee in such cases:

• When you buy goods sold in a currency your personal account does not have in the account.
• Secondly, when you send money in a currency that you do not have in the account.
• When you try to receive payment in a currency your PayPal account is not configured to accept.
• When you withdraw payment to your linked bank account that is in a different currency than your bank holds.

The conversion fee of PayPal currency is 3.0% for U.S as well as Canadian dollars and it charges 3.5% for all other currencies than US and Canadian. The base exchange rate depends on the rates from the wholesale currency markets on the payment day or prior to one business day based on the time of the payment made.

How to Avoid PayPal Fees

The strategies you can use to avoid PayPal fees will be different in terms of types of accounts, so I am going to discuss some actionable tips for personal as well as business accounts.

Method 1: Change Payment Structure/Frequency

If you are running an online business such as a dropshipping business to sell one-time items to the customers, this strategy will not work for you to avoid PayPal fees.

However, if you are running a business model that charges the consumers for repeated services such as coaching, consulting work and subscriptions, you can save plenty of money by changing the payment model.

For example, if your customers are paying using PayPal payment gateway on a weekly or bi-weekly basis for the services, shift them to a monthly payment schedule, in this way, you will be able to reduce the times you are charged a $0.30 transaction fee.

I agree it doesn’t seem to be enough, but if you have a high amount of transactions it can result in decent savings right?

Method 2: How to Avoid PayPal Fees When Sending Money

The answer is to use the PayPal friends and family option. PayPal friends and family payments is another option that handles the transactions differently as compared with normal transactions.

According to PayPal: “If the request is for goods and services, invoice fees are only 2.9% + $0.30 per paid request.^* If you’re requesting money from friends & family on our app or using PayPal online, it’s free to receive money.”

If you are a business owner or a freelancer, you need to make sure that your clients are completely comfortable if you are using this option and that you have been making transactions for a while.

The buyers can lose the protection of their payments if they will send money using this option of friend and family, so using this trick to avoid PayPal fees can be a hard task if the client is new. However, you can split the 2.9% fee with the client to convince him to use PayPal friends and family feature.

Method 3: Claim PayPal Fees on your Tax Return:

If you are paying PayPal fees as a business holder, you can claim the fees in the tax return, it is because they are the inevitable cost of your business dealings.

All you have to do is to maintain the document of your amounts you pay in PayPal fees throughout the whole year, it can take a while if you process a plenty of transactions using this payment method.

Method 4: Plan your Cash Flow Needs in Advance

You can withdraw your payment or PayPal funds to your linked bank account without paying any fees. However, if you try to make an instant transfer, you need to pay 1% of the total transaction up to $10.

One of the easiest and simplest ways to avoid PayPal fees is to have patient, plan your cash flow needs in advance. Avoid using instant transfer option to withdraw money to your bank account (it means use the normal withdrawal method).

Method 5: Open a New Bank Account (Especially if you’re Canadian):

The main way I paid PayPal fees when I moved US dollars from PayPal account to the linked bank account (Canadian).

Making money online or freelancing can be an international matter, you are more likely to deal with a currency that is not your native currency. Eventually, you have to go through this if you work online.

If you are from outside of US, this tip will be a helpful way to avoid PayPal fees (since the great deal of online transactions use US dollars).

There are a number of zero-fee or low fee bank account options available for Canadians looking to open a new US bank account, so my friend tried to open a new account so he can connect PayPal account to the bank that can handle US dollars transactions because he was getting paid in USD.

If you get paid in a lot of US dollars for your job, I highly suggest to open a US bank account if you want to avoid paying PayPal fees on currency conversions.

Method 6: Plan Ahead with Pricing:

If you are getting paid through PayPal payments for most of the online work, you should consider determining your pricing, how you price the services you provide.

Just calculate the PayPal fees in the back of your mind when setting the pricing features.

This is especially helpful when you are going to begin flipping items on Ebay, it means you need to consider how to avoid PayPal fees on eBay and PayPal in your margin calculations.

Method 7: Ask To Be Paid In A Specific Currency

The first way to avoid paying PayPal fee on foreign currency conversions to simply state in the offer that you need to get paid in the native currency.

For example, if you hire a freelancer for search engine optimization or web development, they will request the money in USD. It is quite common.

Method 8: Apply For Micropayments

If you are receiving payments frequently for less than $10 on PayPal, it is a sane thing to sign up for a micropayment model of PayPal. It will not fully avoid PayPal fees but it will save some.

It is an ideal choice for merchants performing a serious amount of low cost transactions. As a merchant, you need to pay 5% fee on the transactions for United States customers and 6.5% for international consumers.

You need to apply for this option, and while applying for it, your PayPal account should be in good standing. However, paying a micropayment fee makes more sense as compared with 2.9% + $0.30 for each transaction on every deal.

Method 9: Use Harvest & PayPal Business Payments

If you are dealing with invoices on a frequent basis whether you are a freelancer or business owner, the use of Harvest enables you to organize your payments with fewer PayPal fees.

In addition, it also allows you to invoice clients with ease, track ongoing projects, manage the expenses and save money too. It is very easy task to integrated it to PayPal and manage your outgoing and incoming invoices, the process can also save you money.

Setting up the PayPal business payments using Harvest, you will be charged a fixed fee of $0.50 per transaction instead of the regular percentage base fee. It is a good deal not only for freelancers but also for businesses. It is because it keeps more money in your pocket not in PayPal.

Harvest offers 30 day free trial and the free version also supports up to 2 projects for free of cost. The paid version of Harvest gives access for unlimited users and projects, it costs $10.80 when billed annually (otherwise it costs $12 monthly).

If you are looking for trick to avoid PayPal fees, making business payments with the help of invoicing software Harvest is the easy way to proceed.

Method 10: Use PayPal Alternatives

There are a number of payment methods available besides PayPal, you can also use them if they fulfill your requirements.

Some useful alternatives to PayPal are:

Payoneer: It is a helpful alternative, it offers a Payoneer debit card, you need to pay annual fee and fees on withdrawal to another bank account.

Wire Transfer: It is an ideal choice to send international transfers in multiple currencies (using bank transfer).

Stripe: It is another site like PayPal to consider and you need to open an account to use it. People like it and it can be helpful to withdraw your money from Medium. It has the ability to deposit money automatically to your bank account and the fees are similar to PayPal method.

Dwolla: It charges a $0.25 transaction fee on any amount that is over $10, but making bank transfer is an easy and simple task with this option. It is functional in US only and both the receiver and the sender need to have Dwolla for transactions.

Skrill: It is like PayPal, except it can transfer money incredibly quickly to the debit card offered by Skrill.

4 Ways to Avoid PayPal Fees for Receiving Money

People also want to avoid PayPal fees when receiving money and PayPal also charges fees to receive payments.

Even housing retailers that accept credit cards have to pay a percentage to American express, mastercard, each time a consumer uses one of the cards. If you are a freelancer or entrepreneur, you cannot bear the fees on your income, it can be a major hit.

Luckily, there are several ways to avoid or cut down PayPal fees. Here are some of the methods to know why should you use them and why shouldn’t.

Tip 1: List PayPal Fees as a Billable Expense

The legit way to get rid of PayPal fees for receiving money is to pass them as a billable expense.

Whether you are a freelancer or a small business owner, billable expenses are costs contractually pass on to the client, the fee is included in the final invoice. It means the client will pay the transaction fee instead of you.

Tip 2: Receive Fewer Payments

This trick is also effective but only to an extent, by receiving fewer payments, you can avoid the fixed PayPal fees every time. If you want to save every cent, this tip will enable you to avoid some of the PayPal fees.

Tip 3: Request Clients to Pay as a Friend and Family

In this method, you will know how to avoid PayPal fees using friends and family. This method is allows you to pay zero fees with PayPal, it is useful for freelancers and small business owners.

Note: You can use this method for some transactions, if you try to use it for every transaction, PayPal may catch you and it is likely to terminate your account.

Tip 4: Use PayPal Fees as a Business Expense

As we have already given the tip that you can pass on the fees to the clients as a billable expense, but you can also use PayPal fees as a business expense on your tax sheet.

Conclusion

In the end, losing 100-200$ a year on PayPal fees may not seem the end of the world as long as your business is profitable and you are earning a good amount of money.

But why give away these dollars too?

I think after going through this post you have learned how to avoid PayPal fees when sending money or when receiving money. You can save thousands of dollars with our tricks to avoid PayPal fees and you can invest them into your business or invest it somewhere else or you can grow the savings.

None of these strategies are difficult to implement but we did our best to provide you the best ways to get rid of PayPal fees or cut off some.

Am I missing anything? Feel free to share it in the comment section.

That’s it for this post, share it with other PayPal users so they can also learn about it.