PayPal is one of the most popular online payment platforms, allowing users to send and receive money globally. However, many Ghanaians struggle to create and verify a PayPal account due to restrictions.
In this step-by-step guide, you will learn how to easily create and verify a "PayPal account in Ghana", link it to your bank, and start making secure online transactions.
Why You Need a PayPal Account in Ghana
Requirements to Open a PayPal Account in Ghana
5. A valid ID (for account verification)
Step-by-Step Guide to Create a PayPal Account in Ghana
Step 1: Visit the PayPal Website
Go to [PayPal’s official website]
Step 2: Choose Your Account Type
Personal Account – Best for individuals who want to shop or receive payments.
Business Account– Ideal for freelancers, online sellers, and businesses.
Select the right option and click "Continue",
Step 3: Enter Your Details
Fill in Your :
Full name (as it appears on your ID)
- Email address
- Strong password
- Ghanaian phone number
Click "Next."
Step 4: Add Your Address
Enter your Ghanaian residential address accurately. PayPal may require proof of address later.
Step 5: Link a Debit/Credit Card (Optional but Recommended)
To verify your account and lift restrictions:
1. Go to "Wallet"
2. Click "Link a Card"
3. Enter your Visa or Mastercard details (GT Bank, Zenith Bank, and others work)
Step 6: Verify Your Email & Phone Number
- Check your email for a verification link from PayPal and click it.
- Enter the SMS code sent to your Ghanaian number.
Step 7: Verify Your Identity (For Full Access)
To lift withdrawal limits, upload:
- A valid Ghanaian ID (Passport, Driver’s License, or Voter’s ID)
- Proof of address (Utility bill or bank statement)
How to Withdraw PayPal Funds in Ghana
PayPal doesn’t support direct bank withdrawals in Ghana, but you can use:
1. Payoneer – Link PayPal to Payoneer and withdraw to your Ghanaian bank.
2. Fidelity Bank’s PayPal Withdrawal Service – Available for Fidelity account holders.
3. Third-party exchangers – Use trusted services like Wise (formerly TransferWise).
Frequently Asked Questions (FAQs)
1. Can I use PayPal in Ghana without a card?
Yes, but linking a card helps verify your account and increases transaction limits.
2. Which Ghanaian banks support PayPal?
Most banks (GT Bank, Fidelity, Zenith, etc.) support PayPal transactions via Visa/Mastercard.
3. How long does PayPal verification take?
Email and phone verification are instant, but ID verification may take 24-48 hours .
4. Are there fees for receiving money on PayPal in Ghana?
Yes, PayPal charges a small fee for receiving payments (around 4.4% + $0.30 per transaction).
Final Thoughts
Creating a PayPal account in Ghana is straightforward if you follow these steps. Once verified, you can shop online, receive payments, and grow your business globally.
Need help? Drop your questions in the comments below!
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