yes, i think once your bank account is verified you are limited to what funds you have in your bank, i registered the card that went with my bank account too as the bank account transactions take a few days to take effect but using the bank card the transactions were instant.
I spent over 5k in one transaction a couple of years ago and paypal didn't bat an eyelid or block anything so i presume it was all ok as the funds were there.
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