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Sometimes I get paid directly to my bank account instead of Paypal balance. Why?

Contributor

Sometimes I get paid directly to my bank account instead of Paypal balance. Why?

Especially with refunds (or perhaps only with refunds, the latest one I've noticed is a refund). I get shown the transaction on my Paypal summary but the money gets sent directly back to my bank account. In the latest one of 77.87USD it says I was refunded 1.52EUR to my Paypal balance and 64.72EUR to my bank account(This latter one actually appears twice for some reason). Why? The worst part about all this is how it automatically goes through Paypal's conversion rate, which isn't particularly favorable. I've looked through settings but could not find an option to always keep received income to the Paypal balance unless withdrawn.