I am a South African who uses an intermediary bank to transfer from PayPal to my own bank account with another bank. I have a habit of going through my bank statements rather minutely and have had several instances now where a small amount is deducted by a company or organization I don't recognize and certainly didn't authorize. It's usually described as a "subscription" and your bank should be able to give you a website address from where the charge was initiated. My banking app gives me all the details of whoever made the charge and on several occasions now I've had to go to that website, where a bot will ask you what you want, you say that you were charged for something you didn't buy and that you've never even heard of them before. The bot will typically ask you for the first 6 digits of your credit/debit card and the last four. In all cases I have been refunded, but the amounts they put through are so small that if you're not watching your account with eagle eyes you will never know that $3 or $5 were just deducted by someone you've never even heard of. I spoke to my bank about this. They said it is no use to replace my card, but that they've had similar complaints and the common denominator is that all of those who get these mystery charges are PayPal users. So just a heads up...if every $1 counts for you like it does for me, you must go through your bank statement every month line by line, charge by charge and if you see a small charge from a name that could be a website, look for that website and get the refund. They rely on people not noticing a $1 here or $20 there, but it is theft none the same.
