Paid using credit, got charged full amount

[Fran_DXB]

Hi. I did a deposit in eToro via PayPal for 50 EUR, but using PayPal balance of ‪11.12 EUR‬ to pay 38.88 EUR instead.
However, my bank charged me for 50 EUR and not 38.88.
Who is responsible for this, eToro or PayPal?
Thank you