We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

sending cash

northernstar007
northernstar007 Posts: 1,070 Forumite
Fifth Anniversary 500 Posts Name Dropper
edited 7 February 2022 at 5:55PM in Credit cards
quick question, would having my card amex card on my paypal acc as the only card, would it be classed as a cash withdraw if i send cash to somone using paypal/amex
or would i have to add a debit card and use that 

Comments

  • Sandtree
    Sandtree Posts: 10,628 Forumite
    10,000 Posts Fourth Anniversary Name Dropper
    Whilst PayPal causes some challenges with S75/chargebacks etc they are ultimately a payment processor and paying a third party with a credit card on PayPal shouldn't count as a cashlike transaction. If you use "friends and family" then the recipient avoids the card processing fees and certainly some have raised the question of if credit card providers treat these differently to "purchases"... my experience with AmEx is that they don't. 
  • Fingerbobs
    Fingerbobs Posts: 1,719 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I can't comment for Amex, but I've used a few different Visa and MasterCard credit cards to send money to "Friends and Family" via PayPal, and these have never been treated as cash transactions, and neither me nor the recipient have been charged any fees or interest by either PayPal or the card company.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.7K Banking & Borrowing
  • 253.8K Reduce Debt & Boost Income
  • 454.6K Spending & Discounts
  • 245.8K Work, Benefits & Business
  • 601.8K Mortgages, Homes & Bills
  • 177.7K Life & Family
  • 259.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.