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Yeah, you don't have to add any bank account or debit/credit cards when you make one

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Yes. You can even send up to $500 before adding a credit card or getting verified. 

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Yup, you just need to link a bank :)

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Since you're in the UK OP, you need a bank card linked to your paypal, to buy stuff with it.

 

You don't need a bank card to create an account though.

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But I don't have a bank or a debit/credit card yet I plan to get one by the end of the year would I need to wait? 

You can send up to $500 before linking anything. You can link a pre-paid gift card you buy at any grocery/pharmacy and your sending limit of $500 is removed. 

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But I don't have a bank or a debit/credit card yet I plan to get one by the end of the year would I need to wait?

im not sure for the uk but in the us you need to link a card or bank to verify your paypal, unverified accts cant deposit/withdrawl large sums of money

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