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The Complete Idiot's Guide® To WordPress by Susan Gunelius

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Understanding FTP

FTP is an acronym for file transfer protocol. FTP is used to transfer files from one host to another. You can also use FTP to transfer files from your computer to your web hosting account.

Why Do You Need FTP?

It’s quite possible you’ll never need to use an FTP account to transfer files to your blog. Recent WordPress.org upgrades have made it so you can add plug-ins to your WordPress blog and upgrade to newer versions of WordPress directly from your WordPress dashboard. In the past, these processes were not as simple and had to be done by uploading files to your hosting account. If they were large, the files had to be uploaded via FTP.
 
If you want to use a WordPress theme that does not come as a default with the WordPress.org ...

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