Well we knew it had to happen. One of the biggest positives this year for me has been the ability to send paypal balance money direct to my debit card/ checking account within minutes. - too good to be true.... Years ago it was 1-3 days, last couple of years most ACH were one day, then came same day transfer for only .25 Cents So paypal emailed out changes coming, instant transfer now 1%. And i guess to keep it all in the family, Venmo - which a couple of other domainers recommended to me used to be free for an instant transfer, and now they emailed this below FROM VENMO Thanks for being a Venmo user! We're reaching out to let you know about a few updates to our User Agreement. • First, we've updated our Acceptable Use Policy. The Acceptable Use Policy, along with the list of Restricted Activities in the Venmo User Agreement, explains which activities we limit on the Venmo platform. This update does not reflect a change in Venmo's policies. Instead, this update aligns a single, consistent Acceptable Use Policy that applies to both Venmo and PayPal users. • Second, we're adjusting the fee we charge for Instant Transfers.* Effective on or after November 6, 2018, each Instant Transfer will cost 1% of the transfer amount (minimum fee $0.25). We continue to offer our standard bank transfer option free of charge. You can find out more information on this fee change and our other fees on our fees page. • Finally, we updated our User Agreement language to match how certain features and functions (for example, our privacy settings) are described in the Venmo mobile app.