How to Open a Paypal Account in Nigeria 2023 (Send and Receive Money Easily)

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Paypal is a global payment service; that is, you can send and receive money from anywhere in the world via Paypal. Paypal, however, restricts its services in some regions like Nigeria.

If you are a Nigerian, when you visit the Paypal website, you will find out that you can only open a personal account that can send money but cannot receive it. Paypal actually states that you must register your Paypal account in the country/region you reside.

Since Nigerians cannot receive money from Paypal, this article will guide you on opening a Paypal account that receives money in Nigeria.

Read Also: How to create a Link

How Does PayPal Work?

PayPal is a global e-commerce business enabling payments and money transfers to be made through the Internet. It was founded in 1998 by Pierre Omidyar, with its headquarters in San Jose, California. It has become one of the world’s largest Internet payment companies, processing around $20 billion in transactions annually.

The company offers services to consumers and merchants that allow them to send and receive payments online. Consumers can use PayPal as an electronic wallet to pay for goods or services on the Internet, using an email address or mobile phone number as their username (ID) and password (PW).

Paypal services are available in Nigeria, but you can’t receive money from them. This article is for you to know how to withdraw your PayPal funds to your bank account.

Types of PayPal Accounts

First, you have to know the kind of account you can open on PayPal. The type of account you open determines what you can do with the account. It determines if you will be able to accept payment or only send and purchase products with it.

Personal Account

The Personal account allows you to shop in your own country and worldwide from your computer or mobile device, all without disclosing your financial information to the sellers. This is the only type of account available in Nigeria.

Nigerians can only shop and send money with their PayPal account. But if you want to receive money with your PayPal account, stick around.

Business Account

The Business account gives you many more options than the personal account. You can accept payments and send invoices to your customers with a business account. It’s easier and more secure to sell to anyone, anywhere, and at any time.

Since the Business account is unavailable in Nigeria, you can open a Paypal account using another country’s domain.

How to Open a Paypal Account that Receives Money in Nigeria

To open a PayPal account in Nigeria, follow these steps thoroughly. First, if you type in your web browser from Nigeria, you will be redirected to The ng sub-domain indicates the user is from Nigeria. Here, you will find out that you can only open a personal account, and no business account is available for Nigerians.

How to open Paypal account in Nigeria
PayPal Nigeria Website

The only PayPal account that can receive payment globally is the business account.

How to open a working PayPal account in Nigeria

To open a PayPal business account in Nigeria, follow these steps.

20 mins 20 minutes


How to open Lesotho Paypal account in Nigeria

You can also choose other countries that accept PayPal, like But for this tutorial, we are opening a Lesotho PayPal account.

Create a Business account

Paypal open

From the Lesotho homepage, click on Sign Up from the top bar, choose Business Account, and click Continue.

Enter Your Email and Password

Paypal account

On the next page, enter your email address and click on Continue. The following page will also ask for your password, enter it, and click continue.

Enter your business details

Paypal acct

Next, you will enter all the details about your company. Don’t forget you are creating a business account. The information you will be requesting includes;
Business Contact: Enter your First and Last Name.
Business Name: The name of your business.
Business Phone Number: Enter your Nigeria Phone number here.
Business Address: You can enter your Nigeria Address.
Primary Currency: Choose your preferred Currency.
Click on Agree and Continue.

Describe your Business

Describe your paypal business

Here, you are asked to describe your business. The information you will feel includes your business type, product or service keywords, and your business URL (optional).

Tell Us More About You

Tell Paypal about you

Paypal is asking for more information about you on this page, including your date of birth and home address. If your home address is the same as your business address, you can click on the box that says the same as your business address. When you are done, click submit.

That’s all to create your active PayPal account in Nigeria. When you are done with everything, you should be taken to a welcome page that shows you all your account features.

Lastly, you should check your email for a confirmation message. You have to confirm your email to continue using PayPal.

PayPal Business Account Features

You can do a lot with your business PayPal account; the ones you want to use are listed below.

  • Request or send funds
  • Send an invoice
  • Integrate payment on the Website and so on

How to receive money with PayPal in Nigeria

Now that you have a PayPal account that can receive money in Nigeria. Now how do you withdraw your PayPal funds to your bank account? You can do this through various means listed below.

  • UBA Africard
  • VISA card (Access VISA card)

The most recommended method is to get a UBA Africard, also called a UBA prepaid card. Most people will tell you this is the only method, but I withdraw my PayPal funds using my Access Bank VISA debit card. I have not tried this with any other bank, but you can withdraw your funds using your Access debit card (VISA) if you have an Access bank account.


Is PayPal available in Nigeria?

Yes, you can open a PayPal account that sends and receives funds in Nigeria.

Can I use PayPal in Nigeria?

Paypal is now available in Nigeria, but you can only open a personal account. To open a PayPal account that can send and receive money in Nigeria, you have to follow the steps above.

Can I receive money with PayPal in Nigeria?

Yes, you can receive your PayPal funds into your UBA prepaid card or your standard Access debit card (VISA).

How does PayPal work in Nigeria?

Paypal allows Nigerians to register for a personal account in Nigeria. This account can only send money or purchase a product online. But there are ways you can create a PayPal account that receives money in Nigeria.

How to get a PayPal account in Nigeria?

To open a Paypal account in Nigeria (Personal account), visit If you want a PayPal account that receives money, you have to visit the PayPal URL of the country where the PayPal Business account is available.

Does PayPal work in Nigeria?

Yes, PayPal now operates entirely in Nigeria. You can create a PayPal account to send money to other countries or purchase products online. However, if you want to receive money with your PayPal account, you have to open an account using another country, PayPal URL.


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