What do you mean $20? Is it the fee? What I am trying to avoid is get taxed here in Canada. so if I understood you right, you send your income to the US or Canada and have your brother send it back to you? he will get taxed for that, doesn't he? So please list the banks that can withdraw using paypal. any other method to withdraw this money with less cost to me? is this true???? You must verify your account using credit card and add a bank account to be able to withdraw from paypal. OK. Paypal does not have Philippine Pesos as part of their currency list. do they convert the US dollar to Philippine money and at what rate or is there any fees at all?