How to withdraw from PayPal in Nigeria

Updated 06/02/2020 >>> safest PayPal method for restricted countries in 2020.

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PayPal Nigeria limitation has restricted Nigerians from the full use of PayPal services.

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How to create a PayPal account in Nigeria that sends and receives funds.

To send and receive fund remains primary to most financial product. And when this seems challenging one looks elsewhere.

4 out of 5 websites you browse today to look for service or to provide service are most likely to have PayPal as the most preferred form of payment.

And to the world of freelancing, and remote workers, mostly from third world countries like Ghana, Nigeria, etc PayPal limitation is more to them like a hammer on their teeth.

It’s painful!

Other than PayPal, this category of freelancers have been deprived from a lot of other services and basic needs that survival becomes a way of life for them!

That is why freelancers aren’t leaving things to chance but want to find out more other tricky ways to enjoy the same PayPal privileged other developed countries like the US and Canada enjoy.

With Nigeria topping internet service users in Africa, Nigerians are more likely to be at the top of the curve of those PayPal restricted countries that want to enjoy full function of PayPal.

Since getting it through the door isn’t possible anytime soon, the roof like the blind Paralytic at Capernaum seems to be the only good looking route to this privileged.

In this blog, I will take you through the rooftop to see how we can bypass PayPal restriction and enjoy the same PayPal privilege that top-world countries enjoy without or usual limitation.

This way, we will open a PayPal account in Nigeria that will enable you to send and receive funds in Nigeria, with or without a VPN.

Just before that, here are some reasons you do not want to lose out of this post!

More reasons traditionally opened Nigeria PayPal account is not worth it…

  • You cannot send funds to other Paypal user, you can only use it to pay for goods online.
  • Restricted mode of spending
  • Almost useless

At the end of the day, if you cannot send your PayPal funds to other PayPal users, the whole idea of work becomes too vague that it will be hard to comprehend.

Who works just to buy stuffs they don’t need online becasue they simple want to spend?

The worse is that, you cannot even receive payment in the first place, so there is nothing more to think of a Nigerian PayPal without it all being useless!

Thus, for a typical freelancer who earns from micro job sites like Upwork, Fiverr, Gigbucks, 99design, Freelancer, etc, it’s useless.

And for a PayPal money exchanger in Nigeria who receives funds from myriads of freelancers,

using PayPal as it is, is not an option.

Since PayPal Nigeria limitation is something that knocks out Nigerias from the global economy,

the next thing to think of is, how to create a PayPal account in Nigeria that sends and receives funds without limitation?

And the brief answer is to open a PayPal account as a Nigerian with a foreign business location. It must not be a US or Europe location.

It could be you leveraging other African countries with full PayPal functionality to meet your end.

This blog will answer the question above,

while showing you alternative ways through which you can withdraw your PayPal funds to your Nigerian bank at the CBN official rate,

without being a victim of PayPal Nigeria limitation.

There are many contents around this topic but this blog stands out because it will show you what you really need to know about this subject.

For example, if you query the keyword,

how to open a PayPal account in Nigeria on,

you’re most likely to see several pages that won’t satisfy your search.

One of it is from the popular Punch online news page How to open a PayPal account in Nigeria.

While the post provides an answer in its own way,

it doesn’t really satisfy the PayPal need of a typical Nigerian like you and me.

And in my opinion, it’s useless to spend time opening a Nigerian PayPal account the way it’s described on that page or the usual way.

Because you’d better send your money abroad with express services like Western Union International Transfer,

which is available almost at every bank in Nigeria than spend time with the traditional model of using PayPal in Nigeria.

So, what does this post has to offer?

As a Nigerian-based online freelancer, who has worked on various micro job sites,

starting from to for over 2 years now, I must say,

I have mastered the process of how to open a PayPal account in Nigeria that allows you to send and receive funds.

Not alone opening, also how to operate it in the most fairy legal way that your account doesn’t contradict the PayPal operational policy.  

So far, like many other Nigerians,

using PayPal in Nigeria involves so many black hat methods even though they’re not totally illegal.

This means you will be using other countries PayPal gateway but with your legal name and credentials.

Some will require a VPN (Virtual Private Network), while some will not.

Please note that either method is safe if you use it according to the PayPal user agreement policy.

Step 1,

Signup with any of the domain name below.

Especially for this blog, some of those foreign gateways you can use include,

PayPal US (

South Africa (

Lesotho (

Kenya (


For PayPal US,

you can withdraw your PayPal funds at almost the official rate of NGN360/$ USD without any exchanger see how to open a Lesotho PayPal that sends, receives and withdrawal funds to your Nigerian bank account.

The registration process is the same for each of the above gateways. However, we will use South Africa PayPal gateway for this blog.

Step 2,

Choose between a business and a personal PayPal account.

There are two ways of using PayPal, either for business or for personal use.

The personal usage of PayPal has a certain restriction from the number of funds you receive into it,

and how much you can send to the flexibility of receiving funds and the automation process

What is the difference between PayPal personal and business PayPal?

One easy way to understand the difference is to relate it with typical savings and current bank account holder.

The flexibility with a current account is totally different from a savings account. Also, how you receive and spend your money is also different.

For example,

a savings account holder doesn’t have a need for a cheque book as only him is entitled to spend from his account.

Same is with PayPal business account where you have the flexibility of adding a partner to a business account.

With a business PayPal account, you can add PayPal as a payment option for your eCommerce website,

which is not available with a personal PayPal account.

Personal Account

For an average Nigerian who only buy and sell stuff online,

owning a personal PayPal might be cool, as it requires less complex data from you.

Only your personal data is required to open a personal PayPal account.

However recently, there are restrictions by some micro job sites such as

Such that you can’t purchase a service with a personal PayPal account, otherwise, it’s totally your choice.

Pros and Cons of Personal PayPal

A personal payment account is easy to signup and requires fewer data from you. But you’re restricted to $500 or $10,000 (when verified). This is unlike the business PayPal that spends up to $1mUSD even though you would be subjected to thorough verification.

Business PayPal:

A business PayPal account is suitable for Nigerians who have registered businesses.

If you receive online payment from your website,

you’re most likely suitable for a business PayPal account in Nigeria as opposed to a personal account.

Pros and Cons of Business PayPal

Using a business PayPal opens you up to the world of opportunities and flexibility.

You’ll have the privilege to send payment simultaneously and instantly to hundreds of people.

Using a business PayPal is the most professional way of spending as a business online.

With a business PayPal,

you’ll have access to send an invoice to clients and increase your spending limit as opposed to a personal PayPal account.

So depending on what you want, you can decide which one is most suitable for you.

Step 3,

Fill in your personal or business details or both.

As part of the PayPal Nigeria signup process,

you will need to fill in your personal or business details or both,

depending on the type of account you decide to open.

Either of which account type and country gateway you chose, you will need to provide your address and ID number.

For Nigerians, you’ll need your National Identity Number (NIN), or the number on your Passport.

PLEASE NOTE: if you’re opening a business PayPal account in Nigeria, you are going to open it as a Nigerian who owns a business in a foreign country.  

This means, you will require document for the foreign country,

and depending on how connected you are, you can find your way around a foreign country where you can get these documents legally.

In the US, for example, there are Delaware companies that offer such services. Like helping you get a US LLC company and a US address for a token.

Fiverr Elevate has some of those companies as their partner,

and the service is quite affordable if you’re into something serious.

For pseudonyms,

you will need to head on to yellow pages for the designated country you wish to open your Nigerian account,

get all the details you need to set up your PayPal except the virtual credit card (VCC).

You can always get a Canada based VCC from Alat by Wema or Naira dominated UBA Africard.

And these cards can be used on any of the above gateways. They’re entirely legitimate alongside your legitimate personal Nigeria details.

Step 4,

Verify your email

You should now head over to your email,

and verify your email to get your Nigerian PayPal account set up and ready to receive its first fund.

Step 5

Remove your limit with a PayPal VCC.

The next step will be to lift your limit and enjoy the full functionality of PayPal account.

So, grab your already acquired VCC from Alat by Wema and input it to verify your account.

and to lift your spending threshold on your newly create Nigeria PayPal account.

Test your newly created Nigeria PayPal Account

Now that you’re close to owning and operating a foreign PayPal account in Nigeria without having to experience the PayPal Nigeria limitations,

you should test your PayPal for full functionality.

And the first and most important test is to receive funds.

You’ll need to receive a little amount (as small as $0.10 still works) into your PayPal account.

Once it shows in your cleared balance, know that your PayPal is set to enjoy what every other PayPal account in unrestricted countries enjoy.

All things being equal, you should now receive payment as family and friends (FNF) and goods and services (GNS) in your PayPal account in Nigeria.

If you don’t know where to get funds, you can join our group on telegram and find people who can help you get funds to activate your PayPal account.  

Other things to note,

You can withdraw your funds from your US PayPal account to your Nigerian bank account without an exchanger.

As you know, trusting any Nigerian you see on the internet to exchange your hard-earned PayPal funds,

is one of the very hard things you will face in your freelance journey.

So, withdrawing your PayPal funds to your bank account at a more dignifying rate is something you don’t want to lose out.

Also, you cannot send FNF from a Lesotho Paypal account, or to a Lesotho account.

However, you can withdraw your PayPal funds almost instantly to your Nigerian bank.

Mostly when you set up a fully verified Lesotho PayPal account.

On a general note, to date, PayPal is the most flexible and most widely accepted means for online payments. Yet it remains the most fragile payment gateway there are.

You may want to keep up with our next blog on how to set up and verify your Payoneer account. And also how to withdraw to your Nigerian bank from Payoneer at the CBN official rate.

Updated 11/19/2019

If you are looking for ways to withdraw your PayPal funds at CBN rate to your bank in Nigeria, you should read our post on Lesotho PayPal. And there are other methods such as Iceland PayPal with GTBank Mastercard, US PayPal to Payoneer then to your bank etc. Connect with us son Telegram to get in touch with me, if you need any of those.

Also if you work full time and thinking of transitioning to being a freelancer or doing freelancing part-time to augment your revenue, you should see our post on HOW TO GET APPROVED ON UPWORK IN LESS THAN 24HRS or how to work on weekends online offering Data Entry service on Upwork.

Let’s meet in the comment section.

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