I have been using PayPal for keeping money I receive from my freelance jobs. It's a safe place and whenever I need my money, I just transfer to my bank account and at the same time the money is there! I can also pay some bills using my paypal account. Great experience.
I am really happy working through upwork. I always have new clients and the website is really trustful. I trust upwork services and policies. Again, I don't regret being a freelancer at upwork.