How to withdraw from PayPal in Nigeria
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Updated 06/02/2020 >>> safest PayPal method for restricted countries in 2020.

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Updated 23/08/19. With the excessive level of scam attributed to Nigerians (please see the biggest in history), it will be a long time in the future before PayPal will lift the Nigeria PayPal limitation if not blacklist Nigerians totally. There are always legitimate ways to earn online, such as dropshipping, affiliate marketing, selling your skills on Fiverr, Upwork, Gigbucks, etc. And you are most going to need a PayPal account for some of these. This blog post is not for the internet fraudsters aka Yahoo Yahoo. But an informative post aimed at helping those involved in legitimate businesses online. If you’re into yahoo please STOP NOW. On the backend, we can see your information and would not hesitate to supply it to relevant authority when we are required to do so.

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 google.com,

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 freelancer.com to fiverr.com 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 (www.paypal.com/us)

South Africa (www.paypal.co.za)

Lesotho (www.paypal.com/ls)

Kenya (www.paypal.com/ke)

UAE (www.paypal.com/ae)

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 fiverr.com.

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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Are you finding it difficult getting a legitimate means to earn online? Why not follow my foot step?
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158 COMMENTS

  1. Thank you so much for this, I’m really in need of a paypal account that can help me receive funds internationally. I’ll let you know if it works out.

    • You’re welcome Adebisi.

      If you’re not able to create one following this post, I suggest you download the one specified for South Africa from our courses menu, i.e. 1000nairadaily.com/courses.

      Please let me know if this works.

  2. Thank you so much for this, I’m really in need of a paypal account that can help me receive funds internationally. I’ll let you know if it works out.

    • You can use any domain name. I will advise you use a domain name you’re likely to register later. Overall, it really doesn’t count with PayPal except you want to integrate it with your website to enable you receive payments. Otherwise any domain name of your choosing (please use your own) is good.

  3. This post is very helpful and extremely indispensable. I downloaded the e-book FREE of charge and I was able to open my own PayPal account with the help of the guidelines in the e-book.
    I really appreciate the writer of this article for this costly information he decided to give out free of charge.
    I even had to be disturbing him on WhatsApp and he didn’t hesitate to render further help without collecting a penny.
    Thank you so much Sir.
    I’m grateful.

  4. This post is of great value. I followed through the instructions on the ebook and I was able to open my own PayPal account with the help of the guidelines.

    He also rendered help on WhatsApp clarifying whatever questions I have without collecting a penny.

    I implore you to cop this ebook If you’re serious about opening a functional PayPal account. You won’t regret it.

    Thank you Sir

  5. I had problem in confirmation of my email address and the only recommendation I get from PayPal is to give them a phone call. It’s South African PayPal domain. I dropped an instavoice message for them and I’ve no got any feedback from them. It’s two days now. Does it really take long for them to get back to someone?

      • Thanks but the email I used in opening that account is attached to my bank account.i tried opening a new one with that same email but they are telling me I’m already signed up. I have another email which is not for any bank account. Is it advisable to open a new one with that email?

          • Thanks. I opened with a new email but PayPal is more sophisticated than I think. They still request I should call them to help me in verifying my email, just like they did when I first opened the account. They must have discovered it’s the same person trying to open account with a different email. They are clever

          • Clear your cache, and try again. Or use incognito mode. It’s rare, I’ve created as many accounts as possible. Maybe you contact me on WhatsApp to help, send me your email and ID number, your address and I’ll create it for you for a token

  6. Thanks Bro. My account has been created. But one more thing, transferring from PayPal to local account,
    ● will it change the currency automatically
    ● what are the charges

  7. Please sir I open my PayPal act in south Africa I already verified the email but am still limited can’t send or receive any funds can’t even Link my bank or card to the acct it says my account hast a problem and limited how do I go abt this

  8. Thanks for the post, the video was much useful for better guide. I have created an account but If I don’t have a VCC to lift limit (tho I’m just hearing of it for the first time), please what do I do or can I use a my normal debit card or better still I get a VCC?

    • You can get that with Wema Alat Card. It’s a card provided by wema bank. But you could also try with your First Bank Master Card. Another Card I know that works is First Bank Gold Card. You may inquire about it at your local bank – just that they will ask you to deposit $100, which I usually feel was too outrageous, and why I didn’t continue with them. Anyways, policies might have changed and you should just give it a try.

      • I don’t get it. What were you saying at the beginning part, because that part wasn’t clear as the recorder alert overshadowed what you said there. Also am I supposed to open an account with ALAT-Wemabank? Thanks.

  9. I don’t get it. What were you saying at the beginning part, because that part wasn’t clear as the recorder alert overshadowed what you said there. Also I’m I supposed to open an account with ALAT-Wemabank? Thanks.

  10. I have been trying to create a USA PayPal account… I Will like to know if i need to input my Nigeria address or i use a USA address

  11. I have just create the USA PayPal account but I was ask to link my card and i will like to know if i can link my access bank debit card or i will need to link the card from Wema Alat… Thanks

  12. Thanks for the article because ur article have helped me create a new 🇺🇸 PayPal but mu problem is, after i created the PayPal and i send money from my Nigeria PayPal account,” the money was place on hold and I was ask to provide the shipping details before the money will be available. Pls what can i do to have the account working without having any subsequent money place on hold

  13. Thanks for this wonderful information. I can see that this was written some months ago. Please I would like to know if these methods are still working, or is there any new way of doing it? Thank you once again.

  14. Pls do I need a Vpn to open a lesotho acct and if i already have a functional nigeria paypal acct do i need to close that one down as well. Thanks

  15. Hello I’m new here.
    Please, I don’t know maybe anyone has experienced this before. I was trying to register for a South African Paypal business account, when I got to the last stage where I’ll have to input my identification, it keeps bringing up a message that something went wrong and I should try again later, I was unable to type in my ID number… But to my surprise, Paypal has sent a message to me already. The thing is I’m worried about the identification, will that be a problem? Please help. How do I go about it.?

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  17. CONTACT Mr Justin Scott call (+2347031524375 or WhatsApp him through this number +2347031524375 or email: illuminatiworldofsociety1@gmail.com Hello everyone My name is Andrew Ronald am from Liberia i am here to give a testimony on how I joined the illuminati brotherhood, I was trying to join this organization for so many years now,I was scammed by fake agent in south Africa and Nigeria,I was down,I could not feed my self and my family anymore and I tried to make money by all miss but all invail, I was afraid to contact any illuminati agent because they have eat my money,One day I come across a post of someone giving a testimony, thanking a man called Justin Scott of being helping him to join the illuminati brotherhood, then I look at the man email and the phone number that was written there, it was a nigeria number I was afraid to contact him because a nigerian agent eat my $2000 and go away with the money then I was very tired, confused and I decided to contact the person that was given the testimony and i called him and I communicated with him on phone calls before he started telling me his own story about when he wanted to join, he told me everything to do, then I made up my mind and called the agent called Justin Scott and he told me everything to do, and I was initiated, surprisely I was given my benefit of being a new member of the great illuminati brotherhood I was so happy, For those of you trying to join this organization this is your opportunity for you to join CONTACT MR Justin Scott call (+2347031524375 or WhatsApp him +2347031524375 or email: illuminatiworldofsociety1@gmail.com

  18. Hello sir..good evening..
    I have created the paypal account and it recieve money from freelancer site which i work..but gats some problem linking my gtbank dom account to it..so that i can send the money to my local bank account…how am i to do that..?

  19. please bro how can i get in touch with you ?maybe phone call ,whatsapp because i really need assistance on how to get the US LLC and Address ,all needed to open a US business paypal , i have a nigerian registered business name ,but u said it can’t work .please i really need this ASAP . where can i purchase it at lower rate please 09063253953

  20. My question is … can i use my name for the PayPal account registration and use my Sister bank details and AfriCard pls respond

  21. Please I have a little issue I screenshot your write up and uploaded it with this message. The parts where I have issues comprehending or how to go about it I circled it, please I will appreciate any prompt response thanks for your. And also I don’t have a wema nor a uba account. I use GTB will I use GTB MasterCard if not what can I use? I don’t have a passport and NIN have not given me a NIN number despite requesting for it through https://uploads.disquscdn.com/images/f86da4b4b7f77d1806941abfa78f82a1d71581c371bde1c13c59b1ee7c49f9fb.jpg https://uploads.disquscdn.com/images/ca0108a538eae5233684024a0cd404ac14d72419ee1b3da209f4983940b2272c.jpg phone, can I use the VIN number on my voters card? I’m stuck. Thanks so much

  22. hello and thanks for the write-up. I have filled my details till when i got to the last part for home/business address. I tried to fill in my home address but it does not accept my zip code. i have tried severally but it keeps saying my postal code is not valid. what can i do please?

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