https://wccftech.com/download-and-install-ios-14-ipados-14-beta-5-without-developer-account/

Here’s how you can download and install iOS 14 / iPadOS 14 beta 5 without a developer account, absolutely free.

Apple’s fifth beta of iOS 14 and iPadOS 14 is now available for download. If you are a registered developer with Apple, then you can go right ahead and reap the benefits of the new beta made available. Obviously, you have to pay for it - $100 to be exact, on an annual basis. But thankfully, you can bypass the financial bit and install the fifth beta without spending a dime, and it’s actually a legit method, sanctioned by Apple itself.