I have a US PayPal account which I use to manage a US bank account. I don’t live in the US and PayPal doesn’t seem to allow me to link a US bank account to a UK PayPal account. Further PayPal is now requiring that I add a cell phone number to my PayPal account for the two factor authentication. As I mentioned I do not live in the US and I do not own a cell phone there. PayPal US will not accept a foreign phone number, (which is strange as my small local credit union will send SMS messages to my UK Cell Phone). Additionally the SMS protocol that PayPal uses does not work with a Skype local number.
Consequently, when shopping on line, I’m effectively locked out of my PayPal account.