Hi @mat420au and welcome,
I am sorry to hear you are having trouble adding your card and bank account to your PayPal account. From reading the error message you have shared it sounds like your account is not compatible with PayPal. It may be that it is not set up or designed for online use. I would check this with your bank. You may need to add an alternative card and bank to your PayPal account.
I hope this helps,
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