For a long time, people resident in Nigeria were not officially supported on PayPal. They could not open and use PayPal accounts. This was bad, especially for those who ran a business service. That changed eventually, but with a limitation: Nigerian PayPal accounts can not receive funds, and can only send funds only when linked with a Nigerian bank card and account. Not all banks offer this linking. So, which banks can be linked with PayPal in Nigeria?
Before we proceed, note that different banks change policies at various times. For example, there are banks that started out officially supporting PayPal, but who stopped or suspended the service at some time. There are others who changed which of their available cards can be linked with PayPal accounts. As such, if you try one bank card, and that doesn’t work, you might need to try a different bank. Having clarified that, let’s jump straight to the list.
Using PayPal in Nigeria requires that you link your bank card
List Of Banks That Can Be Linked With PayPal In Nigeria
Here are the Nigerian banks that you can set up your PayPal account with. As a rule, VISA bank cards work and US Dollar denominated MasterCard work. You might have trouble using your Naira MasterCard.
Which bank uses PayPal in Nigeria?
A handful of banks in Nigeria do. See the list below.
Access Bank – Access bank’s VISA card is confirmed to still be working, as at August 2021
First Bank
Diamond Bank
WEMA Bank
FCMB
UBA
GTCO (formerly GTBank). GTCO’s Naira Mastercard used to work with PayPal, but starting sometime in 2020, it stopped working. Instead, you will need to get a US Dollar Mastercard from GTCO for use with your PayPal account.
This list is not exhaustive, so feel free to try your card, regardless of your bank. If you have a VISA card or a US dollar MasterCard, it is likely to work, so you can use PayPal in Nigeria for your online payments.
August 2022 update: Access bank VISA card doesn’t work for foreign payments any more. GTBank US dollar debit card still works fine. It looks like you might have to try virtual US dollar cards from non-bank providers. I am told that Changera virtual card works fine.
How To Add Your Bank Card To Your PayPal Account
You need to have a PayPal account first. If you do not have one, go to paypal.com to create one. Login to your PayPal account and find the Settings icon (looks like a gear wheel) in the top navigation section. Click on it, then on “Account Settings” in the drop-down menu.
In the left column, look for “Money, bank and cards”, and click on it.
Under “Cards”, click on “Link a new card”. Enter the details of the card you want to link, and complete the process. Once your card is linked, you are ready to start making payments and sending money with your Nigerian PayPal account.
Download PayPal Mobile App
In addition to being able to access your PayPal account via a Web browser, you can also use and manage your transactions via the mobile app. The app is available for both Android and iOS, Download PayPal for Android HERE, and for iOS HERE.
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