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How to make money online in Nigeria

Which ways to earn really work from Nigeria, how the money reaches you, and what to stay away from.

✓ Checked 7 Nov 2026 · Next check 5 Feb 2027
The city of Abuja, Nigeria, with hills behind it

Open from Nigeria: YouTube Partner Program. Not listed: AdSense electronic transfer, Selling on Etsy, Shopify Payments, Prolific studies and TikTok Creator Rewards. Being on a platform is one thing, and getting the money out is another.

What works from Nigeria

MethodStatusWhat we found
YouTube Partner Program✓ AvailableNigeria is on Google’s list of program countries.
AdSense electronic transferNot listedNigeria is not on Google’s electronic transfer list. Google’s payment table shows cheque and wire transfer instead.
Selling on EtsyNot listedNot on Etsy’s payment processing fee list.
Shopify PaymentsNot listedNot on Shopify’s supported list, so a store here needs another payment provider.
Prolific studiesNot listedNot on the country list Prolific publishes for participants.
TikTok Creator RewardsNot listedNot in the lists we could read. Those lists differ, so check inside the app.
PayPalSources differReports say PayPal returned in January 2026 through Paga, so you can receive and withdraw in naira through a linked Paga wallet. WorldFirst said in June 2026 that Nigerian accounts cannot receive funds, so test receiving before you rely on it.
PayoneerLimitedPayoneer’s 2022 announcement says Kuda customers with a business registered with the CAC can receive through Payoneer and withdraw to Kuda in naira.
Domiciliary account✓ AvailableSterling Bank offers a domiciliary savings account for people who receive payments in foreign currency. It asks for ID, a passport photo, proof of a Nigerian address and two references.
Wise✓ To your bankA client can pay you through Wise: Wise says the money arrives in naira in a local bank account, with no Wise account needed. Nigeria is not on its list of countries where you can hold money.
Upwork and FiverrCheck at sign-upTwo guides put Upwork in over 180 countries. Fiverr publishes no country list we could read, so confirm both at sign-up.

Tax on online income in Nigeria

  1. Income from abroad countsThe Nigeria Tax Act took effect on 1 January 2026, and it says a resident’s income is chargeable in Nigeria wherever it arises.
  2. Get a Tax IDGuides for freelancers advise registering for a Tax Identification Number.
  3. Keep recordsTrack every payment, in naira, because no foreign client will file for you.
  4. FilingPwC says the tax year runs from 1 January to 31 December, and returns go to the relevant tax authority within 90 days of its end.
  5. VATPwC gives a standard rate of 7.5%.

Quick answers

Can you make money on YouTube in Nigeria?

Yes. Nigeria is on Google’s list of program countries. AdSense pays out at $100 in US dollars, and its threshold differs by account currency.

How does Google pay in Nigeria?

Google’s payment table shows cheque and wire transfer for Nigeria.

Does PayPal work in Nigeria?

Reports say PayPal returned in January 2026 through Paga, so you can receive and withdraw in naira through a linked Paga wallet. WorldFirst said in June 2026 that Nigerian accounts cannot receive funds, so test receiving before you rely on it.

Do you pay tax on online income in Nigeria?

The Nigeria Tax Act took effect on 1 January 2026, and it says a resident’s income is chargeable in Nigeria wherever it arises.

What people in Nigeria search for

Before you pay anyone

  • Offers of pay for liking videos or rating products follow a known scam pattern.
  • Never pay a fee to get a job or to withdraw your earnings.

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Sources

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