Keeping funds in Paypal seems nuts. I've also had experience with them just closing the account ~12yrs ago but fortunately only had 10EUR on it. These days I'd

Keeping funds in Paypal seems nuts. I've also had experience with them just closing the account ~12yrs ago but fortunately only had 10EUR on it. These days I'd only use Paypal if they didn't offer any better options and then only as a proxy to debit/credit card (which has purchase protection so no need to deal with Paypal itself ever).