Nigeria
Getting paid in Nigeria
You have a phone, you have skills, and you can find work abroad — and then it stops at the last step: they want to pay you, and your card cannot receive it. PayPal cannot receive here, most people cannot get an international card, and dollar accounts are either gated or wrapped in layers of paperwork. This page is about going around all of that.
How credit becomes NGN here
- Spend it directly across the Tutu suite (site builder, drive, AI) — zero fee, no bank involved.
- Top up MTN or Airtel airtime: five minutes, no fee.
- Send to a mobile wallet such as OPay: about an hour, 1%.
- ★List it on the market and let someone nearby buy it with naira — the credit sits in escrow until you confirm the money arrived. This route needs no bank at all.
- If you do have a bank account, a direct transfer takes 1–2 days at 2%.
No bank account at all?
That route was never the one meant for you. List your credit on the market, someone nearby buys it with local currency, and the credit stays in escrow until you confirm you were paid — no bank anywhere in the chain.
Read how trading works →