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You never need funds in your Paypal account balance as a buyer. When you purchase an item then Paypal credit the seller for you, this is so there is no delay in the despatch of your item. Paypal will then take the wait for the funds to transfer to reimburse them.
However if you 'add' funds to your paypal balance then they don't credit your balance in advance, its you that takes the wait.
Takes 5-7 working days to transfer as Paypal use the slowest (cheapest) transfer option BUT funds normally leave your bank account from a few hours up to a few days later.
When your payment arrives at paypal then it will be a + balance and you can withdraw it again if you want to to sort your overdraft.
Advice is voluntary.
Kudos / Solution appreciated.
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