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  • 05 Jun 2024

Sending and Receiving Money with PayPal in Nigeria: A Guide

PayPal is a popular online payment platform used globally for secure transactions. In Nigeria, functionalities are a bit limited compared to some other countries. Here's a breakdown of how Nigerians can utilize PayPal:

Sending Money with PayPal in Nigeria

The good news is that Nigerians can leverage PayPal to send money abroad. You can:

  • Open a Personal Account: This is the standard PayPal account type. Link a debit or credit card (Visa or Mastercard) to your account for sending funds. Remember, the card must be from a fintech like Chippercash that supports international transactions.
  • Fund with Balance or Linked Card: You can send money from your PayPal balance or directly from your linked card. Sending limits may apply, so check PayPal's guidelines.
  • Pay Businesses and Individuals: Send money to businesses and people worldwide that accept PayPal payments. Transactions are typically in USD, so be aware of potential currency conversion fees.

Receiving Money with PayPal in Nigeria (Limitations Apply)

Currently, with a personal account registered in Nigeria, you cannot directly receive money. However, there are alternatives:

  • Business Accounts: Nigerian businesses can apply for PayPal Business Accounts. Once approved, they can receive payments from international customers.
  • Explore Alternatives: Consider alternative options like using Cryptocurrencies like Bitcoin or USDT to send money.

Important Note:

  • Currency Limitations: PayPal in Nigeria primarily operates in USD. Be mindful of currency conversion fees when sending or receiving money.

Additional Tips:

  • Verify Your Account: Link and verify your debit or credit card for smoother transactions.
  • Review Fees: Familiarize yourself with PayPal's fees for sending and receiving money.
  • Security: Always practice safe online transactions. Never share your PayPal login details with anyone.


While some limitations exist, Nigerians can still utilize PayPal for sending payments internationally. Businesses can explore PayPal Business Accounts for receiving funds. Remember to explore alternatives for receiving money with a personal account.


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