Looking to use PayPal in Nigeria this 2025 to receive international payments, freelance income, or online business revenue? You’re in the right place. Whether you're a freelancer, affiliate marketer, or run an eCommerce store, this step-by-step guide explains how to open, use, receive, and withdraw from PayPal in Nigeria including the best Nigerian banks for PayPal dollar withdrawal.
We’ll walk you through the best PayPal setup options in Nigeria, show how to receive payments, convert to naira, withdraw to a Nigerian bank, and recommend the most reliable banks that support PayPal indirectly via domiciliary and Payoneer accounts.
Can You Use PayPal in Nigeria in 2025?
Yes, but with limitations.
Nigerians can send money and make online payments through PayPal, but receiving money directly into a Nigerian PayPal account is still not allowed as of 2025.
However, there are legal workarounds to:
Open a PayPal account from supported countries (like UAE, Lesotho, South Africa)
Link your PayPal to a Payoneer USD account
Withdraw from Payoneer to your Nigerian domiciliary account
Or use PayPal-supported virtual banks (Wise, Geobank, etc.)
Summary: Best Banks to Receive PayPal in Nigeria 2025
| Bank | Best For | Receives via Payoneer? | Dom Account Support | USD Card Available |
|---|---|---|---|---|
| GTBank | Freelancers & AdSense earners | ✅ | ✅ | ✅ |
| Zenith Bank | Affiliate marketers & drop shippers | ✅ | ✅ | ✅ |
| UBA | Digital entrepreneurs | ✅ | ✅ | ✅ |
| Stanbic IBTC | High-volume users | ✅ | ✅ | ✅ |
| Access Bank | Beginners & side hustlers | ✅ | ✅ | ✅ |
| FCMB | Social media managers | ✅ | ✅ | ✅ |
| Wema (ALAT) | Tech-savvy freelancers | ✅ | ✅ | ✅ |
| Fidelity Bank | Instagram vendors | ✅ | ✅ | ✅ |
| Union Bank | Writers and Upwork users | ✅ | ✅ | ✅ |
| Sterling Bank | NGO and consultants | ✅ | ✅ | ✅ |
Step-by-Step: How to Use PayPal in Nigeria in 2025 (Legally)
1. Open a Foreign PayPal Account (e.g., UAE, Lesotho, Kenya)
You’ll need to:
Use a VPN to access PayPal from a supported country
Use your real Nigerian details (except the country)
Use a valid email you own for verification
Sign up at
www.paypal.com/ls(Lesotho) orpaypal.com/ae(UAE)
👉 Note: Don't lie about names or use fake IDs — just a supported region.
2. Create a Payoneer Account (To Receive USD From PayPal)
Payoneer gives you a US bank account that can receive funds from PayPal and other platforms.
To do this:
Visit
www.payoneer.comand sign upActivate your USD receiving account
Link your Payoneer bank details to your PayPal account (U.S. Routing and Account Number)
3. Receive PayPal Payments
Once linked:
Send your PayPal email to clients or marketplaces (Fiverr, Upwork, private clients)
Clients pay via PayPal
The funds reflect in Payoneer within 24–72 hours
4. Withdraw From Payoneer to Nigerian Bank (Domiciliary Account)
After receiving payment in Payoneer:
Link your Nigerian domiciliary USD account
Withdraw directly to your Nigerian bank (minimum is usually $50–$100)
Settlement typically takes 2–4 business days
5. Withdraw Cash or Convert to Naira
You have two options:
Withdraw USD in cash at your bank branch using your domiciliary account
Or convert to naira using the official bank rate or black market (via Bureau de Change) for higher value
Best Banks to Withdraw PayPal in Nigeria 2025
1. GTBank (Guaranty Trust Bank)
Supports Payoneer inflows
Allows USD cash withdrawals
Offers Payoneer MasterCard linking
Fast settlement (1–2 days)
2. Zenith Bank
Reliable for high-volume PayPal income
Offers dollar MasterCard
Good FX transaction transparency
3. UBA
Accepts small USD deposits from Payoneer
Dom account is easy to open
Perfect for freelancers and eCommerce sellers
4. Stanbic IBTC
Premium support for FX inflows
Smooth Payoneer-PayPal-Naira pipeline
High withdrawal limits
5. Access Bank
Beginner-friendly
Supports small-dollar transfers
Provides debit card linked to dom account
Tips for Using PayPal in Nigeria Safely (2025)
Avoid VPN during daily usage to prevent account restriction
Do not use Nigerian PayPal for receiving money
Always use real and consistent details across Payoneer, bank, and ID
Be cautious with third-party PayPal sellers — many are scams
Save a transaction history to prove legitimate business income
FAQs on How to Use PayPal in Nigeria 2025
Can I receive PayPal in Nigeria in 2025?
Yes, but indirectly. You need to use a supported-country PayPal account and receive payments via Payoneer.
What is the best bank to withdraw PayPal in Nigeria?
GTBank, Zenith Bank, UBA, and Stanbic IBTC are top options for receiving and withdrawing USD from Payoneer after receiving PayPal funds.
Is it legal to use foreign PayPal in Nigeria?
Yes, as long as you use your real identity and aren’t engaged in fraudulent activity.
Can I link my Nigerian bank account to PayPal?
Not directly. You need to go through Payoneer or a virtual USD account first.
How much can I receive monthly via PayPal?
There's no limit on PayPal itself, but Payoneer may require verification if you receive large amounts.
Final Thoughts: How to Use PayPal in Nigeria the Smart Way (2025)
If you’re a freelancer, digital entrepreneur, or eCommerce seller in Nigeria, using PayPal in 2025 is very possible — but you must do it right. The smartest method is to open a foreign PayPal, link it to Payoneer, and withdraw through your Nigerian domiciliary account.
When it comes to choosing the right bank, GTBank, Zenith, UBA, and Stanbic IBTC stand out for their fast FX processing, domiciliary support, and USD withdrawal ease. Don’t leave your hard-earned money stuck — set up your pipeline now and start receiving global payments with peace of mind.