Receiving AdSense payments in Nigeria

How to Easily Receive AdSense Payments in Nigeria

One of my readers who recently started a blog that monetizes with AdSense sent me an email asking: “how can I easily receive my AdSense payments in Nigeria“.

I provided answers to all of her questions via email and decided to share with other readers who might be interested in knowing the best and most convenient Google AdSense payment options available to Nigerians.

AdSense Withdrawal Requirements

Before you can even think of making withdrawals from AdSense there are a few prerequisites your account must meet up with.

What are they?

  1. You must have an approved AdSense account
  2. Your account and address must be verified.
  3. You must reach or exceed the minimum withdrawal threshold.

I’m certain you must have satisfied condition 1. If not, you can read my guide on how to get an approved AdSense account.

As for condition 2, getting approved is different from getting verified.

When you reach a minimum of $10 in your account, a pin will be generated by Google and mailed to the address you used in registering with AdSense.

It is with that pin you can verify your account.

If your AdSense account is not verified, a notification should indicate that at the top of your screen when logged in to your account.

Verifying your billing address with AdSense

Even if your account isn’t verified, you can carryon publishing and improving your earnings.

Condition three is that you must have earned a minimum of $100 or its equivalent in your country currency.

After reaching $100, you will be prompted to add a payment option.

Now, that brings us to the real question. What payment option should you use?

AdSense payment options for Nigerians

The two Google AdSense payment options available to Nigerians are Bank Wire Transfer and Check (cheque).

I will explain to you how each of them work.

1. Check (Cheque)

It’s an easy withdrawal option; however, there are a few limitations attached to it.

And the biggest limitation is the delay you’re likely to experience. The same process it took to get your pin mailed, that’s the same process your cheque will pass through.

In my own case, my pin took longer than normal before arriving, so the concept of having a check mailed does not intrigue me.

You can have your check mailed through DHL. However, it comes at an extra cost.

Apart from the delay you may experience due to post offices, the clearance process is something I don’t consider fascinating.

But, luckily for us, there’s another option.

2. Electronic Funds Transfer (ETF)

Electronics funds transfer (ETF) is the method I recommend you use.

What are the requirements for using this method?

It’s simple. An account with any of the Local Banks in Nigeria (I am not affiliated to any of the banks so I won’t recommend anyone to you).

And it mustn’t be a domiciliary account.

A lot of people may tell you that you need to open a domiciliary account before you can receive your AdSense funds in Nigeria through Electronics Funds Transfer. But that is as a matter of fact incorrect.

You can use your regular savings account to make withdrawals.

The only reason you will need a domiciliary account is if you’re interested in receiving your funds in USD.

If you use your regular savings account your funds will be credited to your bank account in Nairas.

Adding a payment Method in AdSense

Login to your AdSense dashboard and click on payments. It is located in the left corner of your dashboard.

Adding payment option AdSense

Among the cards you find one the tag “How you get paid”. Click on “add a payment method”.

AdSense payment options

Like I said earlier, the two options all Nigerian AdSense publishers are provided with are Wire transfer and check.

To add a wire transfer, click on it.

Just make sure you fill in all the details that’s required of you. If you don’t know your bank SWIFT BIC you can just make a Google search for it.

The SWIFT should be from a reliable source. Maybe your bank website itself. Whatever you do, just make sure you use the correct SWIFT.

And once you’re done filling in the details, hit the save button.

Adding check as your withdrawal method is very easy. But, as noted earlier, I don’t recommend using this method.

Click on add new check details.

adding check as AdSense withdrawal method

This form should by default fetch the details of your billing address. You can can have your check mailed to an address different from your billing address.

I have shared with you the easy ways you can receive your AdSense earnings in Nigeria.

If you have further questions, you can relay them using the comment section of this post.

Better still, let me hear your views. Do you agree that bank wire is the best option for Nigerians to receive AdSense payments or you disagree?


  1. Chris EdozieOctober 29, 2018

    Thanks for the Information….

    really informative,

    1. Matt StephensOctober 30, 2018

      You’re welcome Chriz Edozie; thanks for stopping by and for dropping a comment.


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