I've been planning to sell some stuffs on eBay but the major problem is that I don't have a Paypal account. The reason being Paypal doesn't have Philippines on their list. I can use Western Union to receive money though but the fees are too high and I think having a Paypal would be easier for my potential "customers" Now here's what I'm planning to do: I have relatives living in China and Taiwan which are supported by Paypal. I plan to make a Paypal account for my relatives who are living there and then use the Paypal account as my own. Now the question is, do I necessarily need a bank account ? I'll be doing mostly selling and maybe just buy using the money I got from selling. I just want to be sure that I will be able to withdraw the money in my Paypal account after some time.