How to get paid by a company abroad from Nigeria

From Nigeria you can be paid by a company abroad into a domiciliary account at your bank, through Grey, or with PayPal. Wise doesn’t give people here their own account details, but an employer can use it to send naira to your bank.

We checked each service’s own pages on 11 November 2026. Fees and rules change, so read the page linked beside each one before you choose.

The ways to get paid

Domiciliary account. A domiciliary account at your bank holds foreign currency, so an employer can pay you in dollars, pounds or euros by bank transfer. The Central Bank’s foreign exchange manual sets the rules for these accounts. (Central Bank of Nigeria: foreign exchange manual)
Grey. Grey gives you account details in US dollars, pounds and euros, and pays out in naira to any Nigerian bank. It charges 0.8% to receive, at least US$2 and at most US$10. (Grey: about your Grey account)
PayPal. You can receive payments. To take the money out you need a US bank account (3%) or a provider (2% plus US$1.50). Paga links PayPal dollars to a Paga naira wallet. (PayPal: fees for this country) (Paga: the PayPal link)
Payoneer. Payoneer and Kuda announced in 2022 that registered Nigerian businesses can receive payments and withdraw naira. We couldn’t confirm the terms for individuals, so check Payoneer’s site. (Payoneer: partnership with Kuda)
Wise. Wise doesn’t give people living in Nigeria their own balances or account details. An employer can still use Wise to send naira straight to your bank account. (Wise: where you need to live to hold money with Wise) (Wise: currencies you can send to and from) (Wise: who can get US dollar account details)

What people trip on

Not every foreign currency account works the same way. Ask your bank which kind you’re opening and how you can take money out of it.

Before you say yes to a job

Ask how they pay, in which currency, and who covers the fees.
Ask whether you’d be an employee, often through a company that employs you locally for them, or a contractor who sends invoices.
Get the pay, the currency and the pay day in the contract, and keep every invoice or payslip.
You pay tax where you live. The rules differ from place to place, so check with your tax office or an accountant.
Never pay to get paid. A “fee to release your salary” is a scam: see how to spot a remote job scam.

Find jobs open to people in Nigeria

See remote jobs open to people in Nigeria

Every one shows the line in the listing that says you can apply from Nigeria. Match me reads your CV and picks the ones that fit you best.

Getting paid in other countries

Questions people ask

Can I use Wise to get paid in Nigeria?

Not with your own Wise account details: Wise doesn’t offer balances or US dollar details to people living in Nigeria. An employer can still send naira to your bank account through Wise.

Can I receive PayPal payments in Nigeria?

Yes, but taking the money out needs a US bank account or a provider such as Paga, each with a fee.

Does it cost money to receive pay from abroad?

Usually, somewhere: a fee to receive, a fee to withdraw, or a weaker exchange rate. Ask the employer who covers the fees, and compare what lands in your account, not the headline rate.

Should I pay a fee to release my salary?

No. A real employer never asks you to pay to get paid. Treat any “release fee”, “tax clearance fee” or request to buy gift cards as a scam.