How to withdraw money from PayPal without a bank account in 2020

How to withdraw money from PayPal without a bank account: Get a PayPal account in Lesotho, Dubai or Mozambique. Get a UBA AfriCard (Naira) International High or Low, and withdraw at 380 Naira Per USD.

If you are a freelancer, or you receive payment online via PayPal, you may want to enjoy a much better rate to get additional value for your money. To do this, you would need to learn how to withdraw your PayPal funds at 470 Naira Per USD. Or at every prevalent Bureau De Change (BDC) rate. To do so, click here, also you will learn how to create a PayPal that will last you almost forever without falling into the grey side of PayPal.

So here is how to withdraw money from PayPal without a bank account in 2020

Get a Functional PayPal Account

First of all, you would need to get a functional PayPal account account.

By this, I mean a PayPal account that can send and receive funds here in Nigeria. This method also works in Ghana, incase you are reading from Ghana.

To get a functional PayPal account, for this guide, I recommend a Dubai PayPal account, and that means you would need to go to

How to withdraw money from PayPal without a bank account
Homepage of Dubai PayPal

You should understand the difference between these interfaces.

If you had typed in in your browser, it would have automatically used your device location and would have returned to you the country’s PayPal of your device location.

That means if I browse from Nigeria, and visit, it will redirect me to, and that means I will be browsing the PayPal for Nigeria.

And that would mean I would still be limited on certain features.

If that is clear, we will move to the next thing:

Which is to complete the signup process by following up with this video.

Get A UBA Africard (Naira), International High or Low.

uba africard international low
uba prepaid card
UBA Africard or Prepaid card (international low)

The UBA Africard works like a mobile money wallet. Although it can be linked to your existing UBA account, it is independent of it. You can get this card even without getting an account with UBA bank.

All you need to do is to visit their bank and ask for this card.

It is not necessary to tell them your use of the card.

This should only be used for legitimate purposes as otherwise you will be handing over yourself to the law enforcement agency for prosecution. This is the reason initially never wanted to put this out on the web, but due to popular demand I am making this available with caution.

So if you are a freelancer, and you earn online like from Fiverr, Upwork, Peopleperhour etc…

this is a very good option for you to use to withdraw your money to your bank in Nigeria at a signifying rate.

Back to the issue.

Once you get this card, you should fund it at the bank with at least 1000 to 2000 Naira.

After you have funded this card, you should then proceed to attach it to your functional Lesotho or Dubai PayPal account.

You will get a code, sometimes twice, and it will debit about 1.95 USD from your card.

The debit alert usually would come with a code like this:

uba africard
paypal card confirmation debit

Once you have such alert either on your mobile phone, you should proceed to PayPal and use the code to verify UBA Africard on PayPal.

Once you are done with that, your Lesotho or Dubai PayPal account will be ready to withdraw funds to your UBA card.

uba africard
UBA africard (international high)

Some people have reported to me that the limit on the international low is way lower than the international high.

So if you are at the bank, you may want to ask for the international high. Nevertheless, you should accept anyone that is available as you can always apply for the international high in due time.

Paypal to uba africard withdrawal

That is all you need to know about withdrawing your paypal account to your Nigerian bank account.

As at the time of writing this post, the withdrawal rate has revolved around 380 and 379 Naira per USD.

If you want to learn how I withdraw the same PayPal funds at 470 Naira per dollar, you should click here. This offer is only limited to 20 persons (NO GIMMICKS).

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See you in the next post.

Faith Nte

Faith Nte is a Content Writer and Personal Finance Blogger

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