This one falls in the grey area, I normally don’t advice anyone to take this route. If you decide to, remember you chose to do it at your own risk.
There is a sleeky way, you can send money to your friends / family via paypal without loosing a lot on ‘transaction fee’. But mind you, this process can be very risky if you are sending money to a third party, who you do not know personally and you’ll be risking all the money you send.
Use paypal’s mass pay feature to send money to friends and save on the Paypal fee.
Note: Paypal masspay feature will be benefitial only, if you and your friend/family, both have Business/Premiere account. If you have a personal account then you won’t be charged any fee for money transsaction.