bear in mind people....paypal costs its owners money...it doesnt just pop up free of charge as a gift from god, it needs hosting, it has bank fees/charges of its own for the transfer of money between it and its customers bank accounts...someone set that site up to make a profit, like the people at ebay, like a lot of websites...I mean I dont know many types of website except forums etc which aren't out to make some money...if you dont wana pay 4% then carry on mailing ur 150 pound coins n paying 12quid postage for the pleasure =)