How are you transferring money to your bank account using PayPal without the outrageous charges and conversion fees?

Tips to bypass Paypal outrageous conversion rate 😅

1. Have a Unionbank account and request for a ATM/Debit Card
2. Once you have the card, link the card (not the account) in your Paypal.
3. Call or Send Message to Paypal Facebook page and indicate you are requesting to 'Change the currency' of the card link (unionbank card) in your account.
4. wait for Paypal to contact or reply to you.
5. always have your card wherever you go since they might call you anytime of the day and they will need you to verify the card infos.
6. After call, within 5 minutes your card now can accept US Currency transaction, but Unionbank will convert it automatically into pesos with minimal difference from the standard exchange rate. Note:
7. Paypal to Unionbank card (US Currency) transfer is INSTANT (been doing this for almost 3 years, never na delay even 5 mins)
8. you can only transfer around 2,250 USD per day, since the card has a daily cap of around 125k PHP or so (not sure, I just based it on my own experience)
9. Max out the transfer as much as possible per transaction since you will save some transfer fee, (paypal has 1% Transfer fee, capped at $10, so you better transfer $1000+ every transaction. If you transfer $2,250 you can save $12.5 since Paypal can only charge $10 to you)
10. Have a Gcash, Gcash - Cash In from Unionbank is FREE and INSTANT. From Gcash you can withdraw it in any ATM, as much as possible max out the withdrawal amount (10k) to save some withdrawal fee.