PJ, there is ebay MBG for bank deposit - see highlighted section. Bank deposit is an option in the checkout process. I think there's been a few threads about this.
Covered | Purchases are covered by the eBay Money Back Guarantee when all of the following are true: An item isn't received or it isn't as described in the listing. The buyer made the purchase on eBay.com.au via checkout or an eBay invoice with one of the following payment methods: Credit card or debit card
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There isn't anywhere that ebay states it excludes bank deposit for MBG claims, and because they just add the reimbursement to the seller's account, they can recoup the money without paypal involvement.
