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Sending cash to family via PayPal with HSBC credit card - treated as cash advance?

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Posts: 67 Forumite


in Credit cards
I have various payment methods linked to my PP account. Just sending a payment to my son via Friends and Family and I can use my HSBC 0% credit card with no fee charged by PP. But does HSBC count this as a cash advance?
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I would say almost certainly it would be.0
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Actually checking back to my previous John Lewis CC this has always been the main source of funds to my PP account previously (changed to the 0% HSBC to get some free credit for 17 months) and there have never been any charges levied by JL in all the various F+F payments via PP?
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It varies by card, but I've never been charged any cash advance fees on my Barclaycard when sending money to Friends and Family.If I select my Santander card to pay with, a warning pops up that the card may charge fees for the transaction. This warning doesn't appear when I select Barclaycard as the source.Post edited because the previous info has now become incorrect.1
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Fingerbobs said:It varies by card, but I've never been charged any cash advance fees on my Barclaycard when sending money to Friends and Family.
If I select my Santander card to pay with, a warning pops up that the card may charge fees for the transaction. This warning doesn't appear when I select Barclaycard as the source.
UPDATE: As of April 2025, the cash warning now appears against my Barclaycard in the PayPal app, and indeed Barclaycard have now started treating PayPal F&F transactions as Cash Advances.
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I would always assume however it would be treated as a cash advance. This is as the recipient could always give you back the money in cash, circumventing the system in place.0
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Fingerbobs said:Fingerbobs said:It varies by card, but I've never been charged any cash advance fees on my Barclaycard when sending money to Friends and Family.
If I select my Santander card to pay with, a warning pops up that the card may charge fees for the transaction. This warning doesn't appear when I select Barclaycard as the source.
UPDATE: As of April 2025, the cash warning now appears against my Barclaycard in the PayPal app, and indeed Barclaycard have now started treating PayPal F&F transactions as Cash Advances.0 -
It would be daft if they didn't treat it as a cash advance...
I mean PayPal wouldn't know that the recipient is actually friends or family, you could just send money to your own current account using F&F...
(Or someone more nefarious than you may ask their son to send them the money in your situation, not that I'd suggest you'd do this).
Know what you don't0 -
SamDude said:Fingerbobs said:Fingerbobs said:It varies by card, but I've never been charged any cash advance fees on my Barclaycard when sending money to Friends and Family.
If I select my Santander card to pay with, a warning pops up that the card may charge fees for the transaction. This warning doesn't appear when I select Barclaycard as the source.
UPDATE: As of April 2025, the cash warning now appears against my Barclaycard in the PayPal app, and indeed Barclaycard have now started treating PayPal F&F transactions as Cash Advances.
When the warning started appearing against Barclaycard at the beginning of this month, I took a calculated hit and sent the payment anyway, and it was indeed treated as cash, for the first time ever.
PayPal also now knows that I earn 0.5% cashback on the Barclaycard, and proudly announces this when I make a payment, as if I didn't know.
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Fingerbobs said:PayPal also now knows that I earn 0.5% cashback on the Barclaycard, and proudly announces this when I make a payment, as if I didn't know.0
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Is there any reason to use PayPal for F&F? Seems to me that Faster Payments and the likes of Wise are better suited.I’m a Forum Ambassador and I support the Forum Team on the Credit Cards, Savings & investments, and Budgeting & Bank Accounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.
All views are my own and not the official line of MoneySavingExpert.0
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