I wish to send money to a friend using the PayPal Personal Transfer service. According to PayPal website:

"It's free when you use your PayPal balance or your bank account linked to your PayPal account"

At the moment, my PayPal balance is ZERO. However, my PayPal account has two funding sources: Credit Card and Bank Account. Please kindly advise whether I will be charged for a fee if I send money now.



By the way, I find out an option as the following:

"This money is being sent as a: Gift"

What does it mean? Someone says if the money is being sent as a "Gift", then the transaction will be FREE. Is this TRUE even if the PayPal balance is zero?

Thank you very much