use the personal account. they will charge an amnt of 2.69 usd for the verification of ur country and card.
until ur verified ull get an payment limit of 100 usd.
nah machan the thng is wth our banks debit card system. I had a comercial bank and seyalan debit visa cards bth wer rejectd by the paypal bcoz it wasnt authorised frm our banks. So had to use a credit card to register