You shouldn't have had to pay £5 Check here: http://www.fsa.gov.uk/pages/consumerinformation/product_news/banking/banking_conduct_regulation/index.shtml "Speeding up payments – transferring money electronically from one account to another person’s account, including the payment of bills, will have to be completed by close of business the next day. However, until 1 January 2012 this can be extended to the third working day, as long as this has been agreed between you and the payment service provider." So if the money is not in your account by the end of the next working day Paypal are breaking the law.
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