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Does PayPal Work in Nigeria Now? (See Latest Update Today)

Does PayPal Work in Nigeria Now? (See Latest Update Today)

Does PayPal Work in Nigeria Now? (See Latest Update Today)


There has been a controversy surrounding the use of PayPal in Nigeria.  This calls for many to ask the question, “Does PayPal work in Nigeria?” The simple answer to this is YES, but how? Let’s find out together in this guide. 

Hence, we will explain how PayPal works, and how you can open an account in Nigeria to send and receive money. Before then, let’s discuss briefly what PayPal is about. 

What is PayPal?

PayPal is an online wallet service designed by an American financial institution registered in the United States and several countries, including Canada, Luxemburg, Singapore, Spain, and the United Kingdom.

It serves a global marketplace, and one of the biggest internet wallet services opened up to dozens of countries  It finally became officially available to residents of Nigeria in July 2014.

Does PayPal Work In Nigeria?

The answer to this question is YES, PayPal is now operational in Nigeria, and Nigerians can now use the online wallet service. 

You can now send and receive funds in Nigeria through a PayPal business account, or a personal account linked to a US bank account. 

Most Nigerians who work from home open PayPal business accounts to receive funds online.  All they do is link their credit/debit cards to their business PayPal accounts to receive and send money.  

How Does PayPal Works in Nigeria?

You can deposit money, send money, shop online, and receive money in your PayPal account.  To do this, you need to open a PayPal business account, as you cannot receive funds using a personal account. 

Then select and set up your preferred payment system and ink your bank account, credit card, or debit card to your PayPal account to make online purchases, receive funds, and send money. 

How Do I Open a PayPal Account in Nigeria?

To open a PayPal account, visit their official website to register, then follow the guide procedures to set up your account successfully. 

What Do I Need To Open a PayPal Account in Nigeria?

You will need a valid email address, as PayPal would attempt to validate the email address by sending a message, and you would need to confirm the existence of the email address by following the steps in the message they send.

A Visa or Mastercard linked to a Nigerian bank account could be a credit or debit card. This is used to verify your PayPal account. 

However, this service would debit a small amount from the card, and once you confirm the transaction, then the account would be fully verified.

How Do I Add Money To My PayPal Account with a Debit Card?

You can do this by transferring money from your bank account to your PayPal account in Nigeria using these steps: 

  • Log into your account via the official PayPal website or app. 
  • Navigate to Wallet and click Transfer Money. 
  • Select “Add Money to your balance.” 
  • Click on your balance and select Add Money. 
  • Follow the on-screen instructions. 

How do I send Money Via Payal?

You can send money with PayPal Business Account to Nigeria or from this country to other parts of the world when you:

  • Log into your account via the official PayPal website or app. 
  • Click Send Payment. 
  • Enter the recipient’s PayPal email. 
  • Enter the amount you want to send. If you have many cards added to your account, choose which one to pay with. 
  • Click Send. 

However, you can ask the recipient to send you an invoice, which will appear in your account.

Then click on the invoice and pay. 

How Do I Withdraw Money from PayPal To My Nigerian Bank Account?

Though there is no withdrawal limit for a verified PayPal account, unverified accounts can only withdraw $500 per month. 

Follow these steps to withdraw money from PayPal in Nigeria:

  • Log into your PayPal account.
  • Select Withdraw Funds. 
  • Click “From” and choose your PayPal Balance. 
  • Click on “To” and select your linked card. 
  • Type the amount and click Continue. 
  • Click on Transfer to have the money sent to your card. 

How long does it take to receive funds via PayPal?

In addition, it takes a few minutes to send and receive money between PayPal business accounts and 2 to 3 days from a bank to a PayPal account. 

How long does it take to send funds through PayPal?

It takes 3 to 5 business days before the system credits the amount to the recipient’s account, as the transaction will be reviewed manually.  

However, you can use the instant transfer option if you need to send money urgently, which takes 30 minutes, but you will pay 1% of the amount transferred as a fee. 

How do I verify my PayPal Account in Nigeria?

  • To verify your account, confirm your email address by clicking on the link sent to your email.
  • Add your valid Visa or Mastercard and confirm the code in the transaction.

Check out the link below to buy cheap smartphones in Nigeria using the Easybuy service.

Final Words.

A PayPal business account enables you to send or receive funds worldwide.   Even though it is an online payment system, it is a safe and fast payment and money transfer service.  

Once your account is verified and linked to your debit card, you can send, receive and withdraw funds through PayPal. 

You can also make online purchases on various e-commerce platforms like Amazon, eBay, and Alibaba using your PayPal account.

Thank you for reading!

We hope you find this guide helpful.

What do you think?

Written by Udemezue John

Hello, I'm Udemezue John, a web developer and digital marketer with a passion for financial literacy.

I have always been drawn to the intersection of technology and business, and I believe that the internet offers endless opportunities for entrepreneurs and individuals alike to improve their financial well-being.

You can connect with me on Twitter


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