I have money in my account but have a problem getting it from my account ?

You should have a bank account that is associated with the Paypal account. Transfer the money from your paypal account to the bank account. Then you can use your debit or go to the bank to get your money.

Sure you can cancel your account, but can't take your money out unless you go into the bank personally or through a bank machine,if you both had a account together,then it's both your money's.if you owe them money they probably will take the money you owe them from the money in your account.

how to use paypal

Taken from http://money.howstuffworks.com/personal-finance/budgeting/savings-accounts1.htm
Banks usually offer two types of savings accounts: a basic savings account, and a money market account.
· The basic savings account (sometimes called a passbook savings account) will usually have either no minimum balance requirement or a low one, but will offer a very low interest rate (meaning your money won't earn that much). In April 2004, the average interest rate at banks for basic savings accounts was less than one percent. A typical basic savings account lets you withdraw your money whenever you want.
· Money Market accounts usually pay more money in interest, but will typically require you to have more money in the account. You also may be limited to how many withdrawals you can make in a month. Sometimes, in addition to the withdrawals, you can also write up to the three checks on a money market account each month.

Step 1:
Paypal fees are quite irritating. Not only do you receive fees for receiving money, you can also get a fee for withdrawing money to your bank account. If you need to refund someone's money for any reason, you better tack on several cents to cover the receiver's fees as well. Although Paypal provides a safe and secure way to purchase goods online, the fees are annoying. This will help you reduce those Paypal fees and possibly even eliminate them.

Ask for payments in bulk. Most people already have a Paypal account, so this article will start with that existing account. If you receive payment every week from someone, request money every two weeks or once a month. Not only does Paypal get a one-time fee for every transaction, they also get a percentage of your received money. This gets rid of some of the one time fees. Request money to be directly deposited by electronic transfer to your bank account. There are certain methods to withdraw money that cost nothing. There are others that come with a fee. For example, asking for a paper check comes with a fee. Electronic transfers have no Paypal fees. Apply for a Paypal debit card to receive instant cash for no fee. Electronic transfers are great, but the money does take about three days to arrive in your account. If you want money immediately, without the fees, get a Paypal debit card. Set up a new account without upgrading to a business or premier account. If you still can't stand the receiving money fees, set up a brand new Paypal account. This time, don't upgrade to a premiere. Although it states that your withdrawal limit is $500.00 per month, you can contact customer support and have that limit removed. Use your personal account to receive money, and your premier account for sending money. If you still want to use your old account, use it to only send money to others. Your new personal account can receive money for you with no fees.
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FREE

To open paypal account
Pay someone with paypal account
Withdraw from your paypal balance to your bank account
Add money to your paypal balance from your bank account
To send money or recieve money when money comes from paypal or bank account

PAID

1.9%-3.4% +€0.35 to get paid on purchaces
3.4% + €0.35 to send or recieve money when money comes from debit/credit card
A cross border fee of 0.5% applies to payments received from senders in another country.

For more information

https://www.paypal.com/ie/cgi-bin/marketingweb?cmd=_display-fees-outside

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Find a friend who DOES have either a bank account or a credit-card.
Borrow some cash from the friend, and then use PayPal to "send money" to the friend.

She needs a paypal account for the email you sent the money to. Then she can use their withdraw feature to have it directly deposited into her account.

Make sure paypal is linked to the correct account

if you entered wrong email then the receipent should approve first,
before he approves you can still cancel the transfer