I'm pretty sure the upgrade to a Premier account is free (I didn't pay anything). What changes is the fees you pay with payments sent to you. You will pay lower fees with a Premier account than with a Personal account when someone pays by credit card (around 1.1% compared to 3.4% with a personal account). But instead, you pay fees for PayPal instant bank transfer and echeques with a premier/business account, whereas you don't pay any fees for those with a personal account. I find most people pay with credit card anyway so for me it is better value to have a Premier account. I hope this is making sense!

If you want to check out all the fees, etc (don't take my word as gospel lol!), then go to PayPal and type "premier account" into the Search box and it will give you more info, also there is a link at the bottom of all PayPal pages that says "Fees", this will give you the exact fees. HTH