Banks whose cards can be linked with PayPal in Nigeria, and how to add yours

For a long time, people resident in Nigeria were not officially supported on PayPal. They could not open and use PayPal accounts. 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.

How To Link Your Bank Card To Use PayPal In Nigeria
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.

  • 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.

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 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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  1. My cards are working but my question is

    I did not see a code or will it arrive on my statement under 3- 5 days as indicated by paypal?

    Is there a transaction limit using Nigerian cards on paypal?

  2. My Gtbank Naira Master Card does not work and I don’t have any other card apart from Verve, does it work?

  3. I have tried several times linking my FB MasterCard to my PayPal account but unfortunately it’s keeps declineding and I don’t know why.When I visited my bank and filled a complain about it, I was told that my account is okay or could it be that PayPal in Nigeria doesn’t support MasterCard or what exactly.

  4. I have added my STANBIC and UBA master cards but each time I try to send money, PayPal will say “We have added your funding source but can’t use it now, you can choose or add another card or payment method to continue”
    I don’t have another card aside the STANBIC and UBA master cards or payment method.
    Please, will this challenge of sending money from my personal PayPal account be resolved? Or is there anything I did wrong or should still do?

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