You can open a PayPal account without a bank account and/or credit card and you can receive money. However, PayPal can hold any inbound funds from 1 day up to 21 days and there are limits on your account for both sending and withdrawing funds. Basically, having an "unverified" account is like taking a test drive - you can go around the block to see how the vehicle handles but, you can't take it home. If really want to use your account as intended, then link a bank account and credit card - this will remove your limits.
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