I use it all the time. But I have it set up to use my bank account. If someone sends me money it goes into my PayPal account, which can be used then to buy things online. Or I can ask them to send me a check. Or when the account accumulates some money, I can send it all (or some of it) directly to my bank account, no charge. If you need money in your PayPal account, just tell them to withdraw it from your bank account. Easy. I've never had problems.