Queries regarding Paypal: Please Help

Depending on the country you could transfer money to your savings account. Provide your saving account information and then transfer money to your saving a/c. About shopping if you have linked your credit card to paypal, then you can shop using paypal even if you don't have money in your paypal a/c. The amount gets charged to your credit card as being charged by paypal. This can be done without verification. You need to read the help section for more detailed information and you can also contact customer service. It better to ask customer service rather than mylotians or on any other forum.