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Seems to me that it is 5% to load it and .25 cents to send it. Not sure about withdrawing it, atm fee's and so on.
Now paypal personal account is free to load, free to send, and free to recieve but has a limit. (2.5% rate is currency exchange is used)
Paypal business account is free to load, 2.9% + $0.30 USD to receive (leaving out merchant rates which are a tiny bit lower) (2.5% rate if currency exchange is used).
Neither has a withdraw fee if in the US, and the debit card has a cash back bonus when used for purchases.
Paypal is just easier and simpler to use. Though I do have an epassporte account as well.
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