You wont need a credit card.
Go to paypal.com, press sign up.
Pick country and personal account.
Fill in your information, you need to fill in your REAL name and last name or you wont be able to transfer the money to your bank.
I don't remember what happens after that step, but I think you get to the credit card page... HOWEVER you don't need to add a credit card. You can still log in to your account and recieve money, and also send it to your bank card. I myself have paypal without a credit card.![]()