Can PayPal send money to a Nigerian bank account?

Not directly. PayPal does not pay naira into Nigerian bank accounts, but Xoom, a PayPal service, does. You log in to Xoom with your PayPal account.

Can I use my PayPal balance to send money to Nigeria?

Yes, through Xoom. Xoom lets you pay with your PayPal balance, bank account, debit card or credit card, and delivers naira to a Nigerian bank account or for cash pickup.

Is Xoom cheaper than other ways to send money to Nigeria?

Usually not. Xoom’s exchange rate margin is typically wider than specialist apps. It is most useful when your money is already in PayPal.

Can I send money from Nigeria to the USA with PayPal?

Sending from Nigeria with PayPal is very limited. See our guide to sending money from Nigeria for the options that work.

Can You Send Money to Nigeria With PayPal? (2027)

The short answer

PayPal itself cannot pay naira into a Nigerian bank account. PayPal accounts in Nigeria are limited, and PayPal does not offer naira bank withdrawals.

You can use Xoom, PayPal's international money transfer service:

log in with your PayPal account
pay from your PayPal balance, bank or card
Xoom pays naira into almost any Nigerian bank account, or for cash pickup

How to send money from PayPal to a Nigerian bank account with Xoom

Go to Xoom (xoom.com or the Xoom app) and log in with your PayPal email and password.
Choose Nigeria and the amount you want to send.
Choose the delivery method: bank deposit, or cash pickup for small amounts.
Enter your recipient's details: full name as on their account, bank name and 10-digit account number.
Choose how to pay: PayPal balance, bank account, debit card or credit card.
Check the fee and the naira amount, then confirm.

Xoom sends from the United States, Canada, the United Kingdom and the European Economic Area.

What it costs

Xoom charges a fee that depends on the amount and how you pay, plus a margin in the exchange rate.

On 8 November 2026, Xoom's rates were about 2.4% to 2.9% below the mid-market rate, depending on the route. Specialist apps such as Taptap Send, Sendwave and LemFi were within about 0.1% to 0.9%.

On $500 sent from the US, that difference can be ₦10,000 or more. Use Xoom when moving money already in PayPal matters more than the rate.

Cheaper alternatives if your money isn't in PayPal

If you are paying from a bank account or debit card anyway, a specialist app usually delivers more naira:

Everyday amounts: zero-fee apps like Taptap Send, Sendwave and LemFi.
Larger amounts: Wise, which uses the mid-market rate with a visible fee.

Compare them in our live calculator.

Can someone in Nigeria receive PayPal payments?

Nigerian PayPal accounts are restricted, and receiving business payments into one is not straightforward. Freelancers usually use a foreign account service instead, such as Grey, Cleva or Raenest. These give account details clients can pay into, with conversion to naira.

Watch out for PayPal "exchangers"

Social media is full of people offering to "exchange" PayPal funds for naira at attractive rates. These deals are unregulated. Chargebacks, frozen accounts and outright scams are common, so use a licensed service.