Here's how you can download iOS 13.4.5 beta and iPadOS 13.4.5 beta without developer account on your iPhone or iPad right now.
Take iOS 13.4.5 and iPadOS 13.4.5 for a Spin Right Now on Your iPhone or iPad Without Spending a Dime, Here's How
Apple seeded the first-ever beta of iOS 13.4.5 and iPadOS 13.4.5 to registered (read: paid) developers a while back. It packs an interesting number of features, including support for sharing Apple Music tracks to Instagram Stories and more. If you want to experience these features first-hand, then you must pay Apple that $99 fee on an annual basis. However, you can skip all of that by simply downloading the iOS configuration profile onto your iPhone or iPad, all without spending a dime. Read more for details.
Download iOS 13.4.5 / iPadOS 13.4.5 Without a Developer Account on iPhone and iPad
Step 1. Open this webpage on your iPhone or iPad directly.
Step 2. Download this configuration profile using Safari.
Step 3. When you are prompted to install the profile, you will be required to authorize it by going to Settings > General > Profiles.
Step 4. Restart your iPhone or iPad when required.
Step 5. Once you are done restarting, connect your iPhone or iPad to Wi-Fi, then navigate to Settings > General > Software Update.
Step 6. As soon as the iOS 13.4.5 / iPadOS 13.4.5 beta software update becomes available for download, tap on Download and Install.
The download will begin immediately and make take some time to complete. Once it's done, you can start using your phone or tablet like you normally would. During this time, you may experience some performance issues or even broken app compatibility, something which will be fixed with subsequent updates from Apple and app developers themselves. I would prefer installing the update on a device that is not a daily driver. Rest is entirely your choice.
It is highly likely that Apple will release the public beta of iOS 13.4.5 and iPadOS 13.4.5 for everyone to test out for free very soon. But if you want to be on the fast track for updates then taking the developer route is the logical thing to do. Still, we would suggest that you refrain from testing out betas as they can hamper day to day usage with lots of annoyances.
While you are here, make sure you check out the following: