I live in the Balkans. I have an account in the bank and a debit card. I also have a Paypal account. Recently I withdrew $1300 from Paypal to my Debit Card. When the money arrived on my account in the bank, I checked on online banking, and I received euros instead of dollars. I went to the bank and asked them why they converted the dollars to euros without my permission. After talking for about 10 minutes with one female employee (cute and fairly intelligent), and 10 minutes with another employee (not so cute and not so intelligent), and a 10 minute phone call the bank made to their central offices, they told me that the bank received euros, and not dollars. So the bank didn't convert anything. The first employee I talked to told me that she knows a few people who deal with Paypal, and she thinks that there's a different bank involved between Paypal and my bank. In other words, she said that when I withdraw from Paypal, that money gets funneled through some other bank before it arrives in my local bank. And she believes that that's where the conversion happened. Later today when Paypal's phone support opens, I'll give them a call and see if I can get to the bottom of this. My problem is that Paypal's conversion rate (USD to Euro) is low. The bank's conversion rate (USD to Euro) is even lower. But if I could get dollars in my account, and then take dollars out of the bank in cash, and convert locally, I'd have more money in my pocket. For example the $1300 dollars, due to the conversion that happened (who the hell converted the money?), I lost 40 euros With 40 euros I can pay all my bills (internet, electricity, water, phone, garbage) for an entire month. It's no small thing. Anyway, does anyone know anything about this?