If you buy or sell on Ebay, then you really need a paypal account. I have one and I'm so glad that I do. Paypal is so nice to have. If you buy anything on Ebay, most sellers prefer that you pay with paypal, and why not? It's easy, convieniant and free to open your account. With paypal you can transfer money from your bank account, into your paypal account. Then you can use that money to buy things online, not only on Ebay, but anywhere online that accepts credit cards!!! You can also transfer money from your paypal account right into your bank account. For example, if I sell something on Ebay the buyer pays me and the money goes straight into my paypal account. I can then transfer that money to my bank account and wah-la, the money's in the bank!!! But I could also leave the money in my paypal account and use it online. That's not all. Paypal will send you a debit card. You can then use your debit card at any store that accepts visa, or any ATM machine to withdraw cash, WORLD WIDE. It's really nice to have.