Click on the cog icon next to log out in your paypal account and on the left hand side near the bottom if there is NOT an option to upgrade your account then you have a business one already.
Advice is voluntary. Kudos / Solution appreciated.
There is no automatic way to downgrade a business account to a personal account, you have to contact customer services and they will do that for you. You can click on help / contact bottom left of every Paypal page for contact options for your country. OR You could just close your business account (removing all subscriptions / financial info etc first) and open a personal one.
Advice is voluntary. Kudos / Solution appreciated.
