Do you want open a verified PayPal account in Nigeria? Or are you interested in creating a PayPal account in Nigeria for free.
Paypal has been a recognised as world’s major means of sending and receiving of payment on the web. Some few years back, Nigerians were not able to enjoy this service but the story is different today. PayPal has finally come to stay in Nigeria. However, one thing remains – for PayPal to enable Nigerians receive payment with their Nigeria PayPal account.
Despite this shortfall in Nigeria PayPal, many Nigeria online business owners are still signing up with PayPal and the number keep increasing every day.
Why do having a Nigeria PayPal account creating so much buzz?
If you are a Nigerian and you are into international business transactions, you need a PayPal account to facilitate your business.
If you are a Nigerian and there is a need for you to send money from Nigeria to your family member, relative or friend abroad, you need a PayPal account.
If you a Nigeria and you need to make payment for conference registration abroad while in Nigeria, you need a PayPal account.
I am one of those who have been using PayPal in Nigeria. So, if you want to join me; no problem. I will show you how to open a Nigeria PayPal account; free of charge and then how to verify the PayPal account using your GTBank’s account Naira MasterCard. You can also link PayPal account with Firstbank VISA or Naira Mastercard or any Nigerian bank’s Visa or MasterCard. It also works fine.
How to Open a Nigerian PayPal Account
Here is a guide for newbie who want to sign up for a PayPal account right here in Nigeria.
1. Visit Nigeria PayPal homepage by typing in www.paypal.com/ng/ in your Google search engine or browser. At the top right corner of the page, click on“Signup”
2. On the next page displayed under the “individual” section for a personal account, click on “Open Account”
3. Fill in all the necessary details including your valid email address and then click on “Agree and Create Account“.
4. An email message will sent to the email address you registered the account with.
5. Quickly open another window or webpage and log into email to activate your PayPal account by clicking the activation link sent to your mail box you
How to verify PayPal account Using GTBank’s Naira MasterCard
Verifying your PayPal account will allow you spend your money as much as you want but without verification you will be restricted to a limit transaction of $250.
1. After clicking on the “agree and create account button, a new page for filling in your bank credit card details would be displayed. I used GT Bank’s Naira MasterCard to verify my own PayPal account.
2. Navigate to your dashboard if you are not redirected automatically. On the right hand side of your dashboard, Click on “Link and confirm credit or debit card” or “Get Verified” button in your account’s dashboard, carefully input your GTBank Mastercard details here again, click on “Continue”.
3. PayPal will deduct $1.95 from your GTbank account but they will refund you back the money within 24hrs because opening PayPal account in Nigeria is free. Your bank will immediately send you an SMS or email with a code which you will use in completing the remaining verification process.
The SMS should read something like this; Acct: ******3425
The Naira equivalent of USD1.95 has been authorized for the transaction done on PP*0123CODE 0342556789FF
Now, copy the 4 digits before CODE (highlighted in red) from your SMS or mail. You needed this for confirmation of your card.
4. On the right sidebar of your PayPal account dashboard as shown above and click on “Confirm Card” link if you have click on it before. Then type in the four-digit numbers you copied from your bank SMS alert and click on “Confirm Card”.
5. Finally, you will get a popup window, congratulating you if everything was successful and is working fine.
Please note this: you can verify your PayPal account using any Nigeria Mastercard or VISA card. I just used my GTbank account Mastercard.
You can use your Firstbank or any other nigeria bank mastercard or VISA card.It is very easy and simple and it all follows the same procedure;
• signup for PayPal account visiting Nigeria PayPal homepage
• Verify your PayPal account using your bank credit card.
You’re done
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Emma onwuka please I opened PayPal account and I want to register it with my GTB bank Account but the problem am having now is my GTB Account as enter dominante and am not in Nigeria at this moment to rectify it …..please is their any other way to fund the PayPal account? because i want to get good at where I am ….. looking forward to your reply
Hello Yusuf Abiola,
if you have another bank account that is not dormant, you can link it to PayPal account.
Paypal is good for online business but the problem we have with Nigeria Paypal account is that we cant receive money with it but I can still show you how to open the account you can use to accept payment anywhere in the world. I have the detailed information in my blog and would like to share with you here http://www.blogabiz.com/how-to-open-a-verified-paypal-account-in-nigeria/
We have had some clients in Nigeria that also experience the same problem. Luckily, we have helped them create an account in a different country where they can accept payments. Now we just need to find a solution for them to get the money out.
I knew this information exist, and you are the only one that get it out. Recent blogs from other website didn’t help but try to promote their own motives but you pointed it out that it is possible.
Thanks for this blog, you have really solve part of what a regarded as minor problem. I shall return to say it loud again.
Hello Kezzy,
Thank you for your contributions.
Hi please can you tell me if the rate used to send money abroad is the bank rate or black market rate.thanks
Hello Femfem,
it depends on the means you are using to send the money
hello Emma I want open a Neteller account in Nigeria. but I don’t know how reliable it is and how it works because I intend on sending money to Macedonia and the reciepent oh has a Neteller account thank you. I anticipate your reply.
Hello Abdul,
Neteller started accepting Nigerians in 2014, so the online payment system is not popular yet. To use the system, they will expect you to create and register as a member if you intend using the system is sending and receiving money. You can only use it once as unregistered member after which you will not be permitted to use it again.
Since, your receiver has Neteller account, it will work perfectly if you open Neteller account in Nigeria and use it in sending money to him/her.
Neteller, Transfast, Perfect money, Payza, and so many others are now on my next list of universal/global online payment processor review.
You said I can only use it once as an unregistered member. so, after then I can’t use it again?
Hello Abdul,
you can use it again if you register or create account.
okay, I have already registered and received my I.d. but how do I transfer money to my neteller account.
NETELLER offers many instant and local options for funding your NETELLER account, including free debit card deposits, local bank deposits, credit cards and international bank transfers. There are also many other local options depending on where you live.
Abdul, After you have registered and received your ID; to fund your account, you have to first verify your NETELLER Account with your bank account in order to make InstaCash Deposits. You can use your GTBank master card and get verification code on your phone.
To verify your neteller account read; verification of Neteller account.
Once your account is verified, proceed to fund it as follows;
1. Log in to your account.
2. Go to the ‘Cashier’ and click on ‘Deposit’.
3. In the NETELLER payment option, click on “Deposit now”.
4. Enter the amount you wish transfer and your bonus code (if you have one).
5. Enter your NETELLER ‘Account ID’ and ‘Secure ID’ that were sent to you in the registration email you received from NETELLER.
6. Enter the last 4 digits of the bank account that you registered with NETELLER. Click ‘Submit’.
Once you have received confirmation that your transfer was successful, your funds will be instantly available in your account.
I use diamond bank debit visa card and zenith bank debit visa card. can I still use it to fund my account?or I need only fyn master card.
Hello Abdul,
You can fund your neteller account with naira master card or visa card from nigerian banks and also withdraw your money to your bank account in nigeria via wire transfer
Emma thanks for your responses and intellectual support. I really love this site.
I tried funding my neteller account with my diamond visa debit card but transaction was declined do I need a fyn MasterCard or a better card from a good bank to run transaction.
Hello Abdul,
You need visa verification. Visa verification is also called vbv (verified by visa) where you get an “ipin” which is used for validating/completing any online transaction.
Since this is your first time,
To get visa verification, go to any Diamond Bank ATM close to you , follow the steps you would normally use in changing you ATM pin but this time select change “iPin” after you have must have done that, you are good to go.
Also, you have to make sure you have adequate balance as in more than enough to cover transaction, i’ve noticed this when using diamond visa on neteller.
please I anticipate your reply because it is really urgent.
Hello Abdul,
I have responded to your question. Check your comment before this.
I opened diamond online internet banking and I was asked to set a pin on the app online. I want ask if this pin is not same as ipin.?
Hello Abdul,
If you try using the PIN you were ask to set on the diamond app online and it is not working, go through Diamond bank ATM and generate ipin
Hello Emma, I found your blog page while doing a research on paypal and its interesting to find such expository epistle that you’ve made here and I am compelled to ask this question. Can one actually cashout funds/payments from their paypal account, verified or unverified with limits? Why I asked this question is because i know that when you visit paypal Nigeria page, and create an account, you’ll notice that the withdraw tab is not available meaning that you can’t withdraw funds in Nigeria. I use payza in place of paypal but as you know, paypal is the most recognized online wallet and payment processor globally and also, most clients and customers prefer to use paypal. I operate GTB and Diamond bank accounts so if it is possible, tell me which of these two banks that I should walk into and get the paypal service activated. Thank you in anticipation of your response.
Hello Chukwuma,
As of today, you can only use PayPal to;
1. make payment online with bank account, mastercard or credit card.
2. shop online with millions of merchants.
3. send money to friend, relative or family member.
4. Donate to your favorite charity organization.
5. Use your credit card and earn rewards.
You can not receive/withdraw money with you Paypal account in Nigeria.
I have both Domiciliary, Current and Savings Accounts with GTBank. Among these, I have only a Naira Debit card attached (or linked) with my Savings account. Therefore, in opening or verifying Pay pal account here in Nigeria, which of these accounts will I use? I mean, can I use my Domiciliary account or any of the accounts which I maintain with GTBank bearing in mind that I do not have a Dollar Debit card linked with my Domiciliary account.
Thank you.
Hello Festus,
you can only use saving account in the verification process since you have your naira debit card link to it.
I was able to send $500.00 to a relative’s business account shortly after I verified my PayPal account. The next day I was able to send $1000.00. When I tried to send more money the next day, I received an error message instructing me to call customer support. Is there a daily limit that GT bank will allow for PayPal transactions or what do you think the problem could be? Also is it possible to purchase a US money order with my GT mastercard?
Hello Godwin,
There is a daily limit that GTbank will allow for PayPal transactions but that may not be reason why you are getting that error message. You can not purchase a US money order with GTbank mastercard.
Please my own problem is can we receive money from online to Nigerian paypal account. If yes please tell me how . Or we can only send money
Hello Ibrahim,
As of now, you can not receive money from online into Nigeria PayPal account. You can only send money through your Nigerian PayPal account.
hello Emma, I did not visit Nigeria paypal before registeration does it mean i would not be able to use My paypal account.
Hello Abdul,
how do you register?
Hello Emma, I came across your comments while researching about fund my neteller account. I have been having issues trying to fund my account with my Union bank MasterCard. Do you have any suggestions?
Hello Collington,
You need visa verification. Visa verification is also called vbv (verified by visa) where you get an “ipin” which is used for validating/completing any online transaction.
If you have never been able to fund that account since you open it, you may need to get visa verification, go to any Union Bank ATM close to you , follow the steps you would normally use in changing you ATM pin but this time select change “iPin” after you have must have done that, you are good to go.
Also, you have to make sure you have adequate balance as in more than enough to cover the transaction. I’ve noticed this when using diamond visa on neteller.
Hello Emma, thanks for this great thread, you have really been helpful.
I have some questions first, do I need to deposit money into my paypal account when I want to make payment online or do I pay directly from my MasterCard when using PayPal?
Also do PayPal offer purchase protection, to people who transact with merchants online?
Thirdly is the exchange rate used by PayPal usually higher or lower than what is offered in the banks?
Expecting your response , thank you.
Hello Safaya,
Whether you deposit money into your PayPal account or not, once your PayPal account is verified; you can easily sought it out when you want to make online payment.
All transactions made via PayPal are protected.
PayPal is a third party party, any transaction you make incur its own specific charge.
Hi Mr Emmanuel. thank you very much for this. Hence PayPal can not permit withdrawal in Nigeria which other free account or accounts do you suggest we link to our website (majorly, church website) that is almost as simple to use as PayPal… I have been using PayPal to send money only for over 7 years now but can receive urgent please
Hello Engr. Jesse,
Do you intend receiving donations or payments through your website? In other for me to give you a better suggestion, I do know why you want to link a free online payment platform on your website. Please, give details and be specific.
Emma you are doing a good work here. please which medium out of the 4 you treated on your write up is advisable for me to use? I want to send money into an organization account abroad! is Domiciliary account best? now am asking based on less service charges one will incur. because your post said in every $2000 one will pay 16,800 using western union, do u know how much a Dom Account charges for $3500 services charges? please I also want to know if I open Dom Account and found it will it start working immediately or it will still take couple of days to work? thanks
Hello Kenny,
The medium you will use depends on the amount you want to send.
I said in every $1000 or N190,000 NOT $2000, Western union charges N16,800
For Domiciliary account:The maximum transfer via DOM Account is $10,000/day.
Transfer charge or fees via DOM account (outflow) is based on commission and it goes this way =
2% commission on every transfer, 5% of 2% commission for VAT, N4000 for Teles (optional but necessary). You can do the calculation for $3500 transfer yourself.
If you open Domiciliary account, it may take up to 2weeks before it starts working.
This is great. Emma you have really saved me and some other readers from more time of researching fo get the right information. Keep up the good work here. Anyway need to consider Nigerians and start allowing us receive payments with our accounts.
Commenting From WizyTechs.Com
hello.
pls, as at today, what is the best alternative to send money to ghana. i urgently ned to send money to my sister studying there. before now, we use ecobank but its not working anymore. she said someone uses a mobile money or something. pls advice
Hello Ayodele,
It depends on the amount. For transferring huge amount, wire transfer via domiciliary account may be the best. For paying school abroad, you may need to apply for CBN form A
Hello Ayodele,
It depends on the amount. For transferring huge amount, wire transfer via domiciliary account may be the best. For paying school abroad, you may need to apply for CBN form A
Please what is the current status of Nigerians limitation with PayPal? Can we no receive money with it?
Hello Rasaq,
It is yet to been approved. You can only send out money or make payment for now through Nigeria PayPal account.
Hello, nice work you doing. I got to know how to register for a paypal account through your blog and am happy, but I wanna ask you are there any real legitimate ways to earn money online apart from adsense?
Hello Joseph,
There are many legitimate means of earning money online apart from adsense. It all depends on you.
please i have a paypal i opend in 2013 and it now say i can withdraw funds so i need help with this
please email me if you can help with this
thanks
Hello joshau,
Please, I don’t Understand you. Can you repeat again
Hello Emma, your work is exiting! I really appreciate the way you responded to various needs above. I have my own questions, and after all my online searches, I finally realized this is the place I have been looking for.
Using my GT Bank account, can I deposit and withdraw money into my PAYEER e-currency account?
If yes. How would that be possible?
If no. What other mode of depositing/withdrawal acceptable by PAYEER would you advise me to use?
Thank You. I hope to read from you soon.
Hello Samaila,
As it seems now, I doubt if that option is available for Nigerians. Maybe I have to contact Payeer for further appropriate answer. A Payeer e-wallet account can be funded and withdraw in Nigeria via e-currency exchangers . By the way, why using Payeer when there are many other better options?
is this method still working?
Yes!
I tried linking my Zenith bank master card to my PayPal but it didn’t accept it and I tried it with my Skye bank verve card and its also not working. Please what else can I do?
Hello Kingsley Peter,
Try firstbank or gtbank MasterCard
And as CBN is about to stop the use of naira debit and credit cards for foreign transactions, will it affect cards linked to paypal?
Yes, of course!
I want to receive money from Orlando but the person sending doesn’t want to spend much by using western Union or moneygram please help
Hello Khalan,
I advice you go through this article and its comments; how to receive money in Nigeria from Abroad
Hello, please I’ve been trying my Skye and Access banks MasterCards to verify my PayPal account, but it keeps rejecting the two, what could be the problem?
After I’ve been verified on paypal, when I try to make a payment of $159, GTbank keeps telling me that I’ve exceeded my daily transfer limit, what do I do? Thanks
Hello happiness,
Try it again, later.
I registered PayPal and linked it with my GTB master card but is not working with whenever I want to make payment what I see is your payment method is not working do you want to use another card or account. I also went to zenith to make enquiries if the MasterCard works with PayPal they told me no. please what do I do because I really need it badly
Hello Bamidele,
Check firstbank!!!
Nice info it was really useful
From : Jboytech
So how do I receive payments
My email is
tessadoghor@gmail.comHello Theresa Doghor,
Which payment do you want to receive?
The bank account you registered with
Great work you are doing here. How do I make payments to site that don’t have Nigeria on there payment list?
Kindly help me with this issue.
Thank you.
Hello Jimmy,
You have to find out their method of accepting Payment.
Hi, your post has been helpful but each time I try to link my Gtb debit card it tells the card is not accepted, please advice?
I don’t understand
Can one receive money through PayPal Nigeria now?
No!
Ok what is the next option and solution for opening a PayPal account in Nigeria presently now that gtb Naira master card is not accepted.
You can link your GTBank MasterCard to your PayPal account. Alternatively, you can open firstbank PayPal account.
Thank you Mr Emma.
My worry is that my utility bill’s address is not the with my National ID card. Though same Road, but not the street and number. Would Scrill accept it?
Thank you greatly.
You can try!
hey there and thank you for your information – I have certainly picked up something new from right here. I did however expertise some technical points using this site, since I experienced to reload the site many times previous to I could get it to load correctly. I had been wondering if your hosting is OK? Not that I’m complaining, but sluggish loading instances times will sometimes affect your placement in google and could damage your high-quality score if advertising and marketing with Adwords. Anyway I am adding this RSS to my email and could look out for a lot more of your respective exciting content. Ensure that you update this again very soon..
Thank you for your observations and suggestions!
Pls is this stuff still working, can I verify with my Gtbank MasterCard?
Yes, you can!
Good day, I was unable to link my gtbank mastercard with my paypal account cause it keeps telling me to check my card details and try again which i’ve done several times and also can I receive payment on my paypal without linking it with debitcard.
It means the bank detail(s) you enter is/are wrong. Yes, you can receive but bear in mind that your can’t withdraw it in Nigeria.
thanks alot for this article my question is when one receives payment from paypal in nigeria can one use it to buy stuffs on jumia and konga thanks
No!
THANKS FOR THE USEFUL INFORMATION AVAILABLE ON THIS SITE.
Emma thanks for your post, but you did not state how such money our paypal account can be transfer to our Nigeria naira and our bank
Please, I don’t understand your question.
Hi, what i mean is that if we have any money in our pay pal account , how can it be transfer to our Nigerian bank?
Also i have followed all the instruction, open the account , but the text messages send to me from bank do not carry any code , to verify card, i even printed bank statement, no code was still found. Here is a screen short of what was send to me.
United Bank for Africa Plc
This is to inform you that a transaction has occurred on your UBA account. Kindly note that your account has not yet been charged. The debit will be applied once the merchant processes your payment. Details are below:
Account Name AKPE THEOPHILUS EFFIONG
Transaction Type LIEN
Transaction Amount 363.71
Transaction Currency NGN
Account Number 2XX..52X
Transaction Narration PAYPAL 4029357733 LU
Date and Time 15-Feb-2018 05:36:54
Available Balance 2,497.55
Cleared Balance 2,497.55
Is the code there?
Thanks for your prompt respond
Are you trying to withdraw money from your PayPal account to Your Nigerian bank account?
Good day
You…….Are you trying to withdraw money from your PayPal account to Your Nigerian bank account?……………me ……..No for now
Read my message on the 15th of February, which you said(reply) on the same day 15th that you do not understand. And my next post was on the 21st February was to explain my first message and add new ones about code. Which i posted my bank details for you to check if the code is found there. Please read my message again ,it is clear. Thanks
Please, quote any of them you are referring to.
Fabruary 15th and feb 21st post by Theophilus Akpe quote or explain on the 3rd of match all 2018. Refer sir to those dates . Thanks.
“Are you trying to withdraw money from your PayPal account to Your Nigerian bank account?”
No. But how can it be transfer?
But asking you questions on confirmation code from the bank, That my bank UBA sent me the text above. Is the code there? this is the text messge down here
Account Name AKPE THEOPHILUS EFFIONG
Transaction Type LIEN
Transaction Amount 363.71
Transaction Currency NGN
Account Number 2XX..52X
Transaction Narration PAYPAL 4029357733 LU
Date and Time 15-Feb-2018 05:36:54
Available Balance 2,497.55
Cleared Balance 2,497.55
I don’t get you, please.
Can i talk with you on phone? If you wouldn’t mind
08064439108Thanks
WOW, this is impressive.
You have just saved me time and stress to receive paypal money
Comments from UcheTechs.Com
Hi Emma
I open the Paypal account ,but no code was send to me since then. What do i do now?
Code for what?
I open the paypal account but up till now my bank (UBA) dont send any code to me, so that i can confirm my card. Also if the code is not send, can my paypal account with my UBA card pay money or carry out transactions?
What do you need code for? “can my paypal account with my UBA card pay money or carry out transactions?” Yes, but you can’t receive money with it here in Nigeria.
Good work your doing, keep it up. My question is, hence you said Nigerian PayPal account can’t be used to buy something on Jumia and Konga. Which other Nigerian allowed online shop can PayPal be used, especially for those who don’t transfer money internationally but receives little money from freelance online jobs.