FNB AND PAYPAL - LIES

WE HAVE A BUSSINESS ACCOUNT WITH FNB. My husband open up a personal paypal account, then link capitec to paypal. All good... but to receive money from paypal you must REGISTER an ONLINE FNB account (as advertised for free if you want to send money to capitec) IT DOES NOT WORK . chat online, phone them , and after couple of hours i have been told i MUST OPEN A PERSONAL ACCOUNT with FNB to receive my money from PAYPAL (so it cannot be send to my capitec) I AM FURIOUS!!! false advertising, now i have to pay R60 a month for FNB just to receive my money from Paypal (as a gift, maybe it is a one time thing) ANd i dont want a personal FNB account.