CQ, while your bank does not charge a fee for using paypal I think this is the place to warn posters that some banks/financial institutions do.

I have one of the GE Money cards that I use for interest free purchases.  In the early days of using ebay I had that card attached to paypal.  I made 3 purchases, one from the USA and 2 local (AU$) purchases.

When they hit the account all three had overseas transaction fees.  I rang GE Money and was told that no matter what the currency I would be charged the fee because paypal is a US company.

Needless to say, that card was very quickly removed from paypal.