Hello Dundada
Welcome and no apologies are necessary as this is why we have the Community Forum. If you have only a debit card on file with PayPal then we will pull the money automatically from your bank without the need for you to transfer the money to PayPal first. This ensures your seller gets paid right away and you get your item quicker.
Great question and I hope you enjoy your new account. Please let me know if you need anything further.
KB 
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