If friends and family payment option is available to PayPal SG sender, the fee is 4.99 USD + 3.4% + fixed fee with cards or 4.99 USD with bank account or PayPal balance.
You may link a bank account to your PH account. And try not to put your debit card account number as the bank account number. For some reason, PayPal users in PH make this mistake a lot, I noticed. Once you receive the payment, you may transfer it to your bank account.
