If you have a personal account, you don't get charged anything to recieve money, but you cannot accept payments made with a credit card. If you have a premiere account, you can accept credit card payments, but you are charged a fee on all payments, even "cash" payments from a paypal balance or from a bank account. Many people who take a lot of payments set up one of each type of account. That way they can have "cash paypal" payments sent to the personal account with no fees, and still take "credit card paypal" payments through the premiere account and only pay the fees on those payments.