yes - i use PayPal with just a debit card (have my PayPal account associated to my internet Inteligo account for which no credit card is available)
yes i heard much about intelligo with paypal. i think it is the way i will go. i think it is all online, there is no office. and i need to apply online, ps, i dont speak polish. i guess they will call me to confirm for details, etc... would it be problem? do they have eng version at online banking?