I feel I have to add my voice to this. It is bizarre and inexplicable that a simple solution which is already used for US customers is not deployed for UK customers and elsewhere. Here is what US paypal customers can do and have been able to do for years: http://www.youtube.com/watch?v=-yhXIBJKHdg It is also saddening that this is now a long comment thread, more than two years old, and there is still no response from Paypal, nor even apparently an understanding of the problem. Really hope this simple, but highly frustrating issue can be resolved - although it this does not look hopeful from the thread so far.
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