does any one know?

Hi! I believe you don't have to link your bank account to your Paypal account. In my case, I just applied for a Paypal account and my myLot earnings just go in there. I just check my Paypal balance online to keep track of it. I use my Paypal card as a debit card whenever I purchase goods. You have an option, though, to transfer your earnings from your Paypal account to your existing bank account if you want to get the money and you have no intention of using your Paypal card as a debit card. If that's the case, you have to give Paypal your bank account number. Hope this helps!

Yes, you need to do this in order to receive funds from your bank account. This is needed. You have to add your bank account information in order to be verified as well. This has to do with withdrawing funds as well.