paypal account in ghana

How to Easily Create a PayPal Account in Ghana

I get messages from friends on how to create a PayPal account in Ghana. In this newsletter, I am not going to talk about why Ghana among other countries has been ignored on PayPal. All I am going to talk about is a way to open an account with PayPal in Ghana or any country that has been removed. You’ll learn a lot about PayPal Ghana as you read along.

All I am going to talk about is a way to open an account with PayPal in Ghana or any country that has been removed. You’ll learn a lot about PayPal as you read along.

Get a premium PayPal account for a cool GH₵100.

What is PayPal?

This is what HowStuffWorks say about what PayPal is and what you can use it for:

PayPal is an online payment service that allows individuals and businesses to transfer funds electronically. Here are some of the things you might use PayPal for:

  • Send or receive payments for online auctions at eBay and other Web sites
  • Purchase or sell goods and services
  • Make or receive donations
  • Exchange cash with someone

Why is it Legal to Create a PayPal Account in Ghana?

Most People will go like, it is unlawful to own a PayPal Account in Ghana. What I usually tell them is, in case you are in Togo or Nigeria, and it’s legal for you to own a PayPal Account, then, in the same way, it is legal to own one in Ghana. I can be a Togolese or Nigeria and be residing in Ghana at the moment. Does that forestall me from using my PayPal account when I have one? Absolutely not. PayPal took away Ghana and other countries for their own security reasons, not because of the illegality of persons using it in those countries.

Check out: How to Make Money Online in Ghana.

Differences Between Billing and Shipping Addresses

Billing Address: defines billing address as the address associated with your credit card – it is used to verify your credit card information. Your billing address is where you receive your bank statement for the credit card.

Shipping Address: defines shipping address as the address used to tell the seller where you want your items delivered. This can be the same as your billing address, or it can be different.

Creating a Verified PayPal Account in Ghana

While creating a PayPal account, you want to have a billing address. One advantage of PayPal to Ghanaians is that PayPal does not confirm your account with your billing address, not even with your cell phone number. It verifies with your email account only. Consequently, you need a valid email address to verify or spark off your account.

Follow the steps below to create a PayPal account in Ghana:

  1. Get a virtual Togo address with phone number
  2. Copy and paste the address somewhere on your computer
  3. Visit the PayPal site and hit Sign up in the top right corner of the page, or use the URL which is the Togo version of PayPal
  4. Choose a Personal or Business account depending on your choice. Personal accounts are for general transactions like buying items and sending money. Business accounts are for integrating with online shops and related stuff.
  5. Click Continue and you’d be prompted to type in your email address and other details
  6. Type in the email field your correct personal email address and choose a secure password
  7. Hit Continue and put in the address and phone number you have copied earlier in step 2 into the spaces provided
  8. Create your account and login
  9. Add your debit or master card details. Debit cards can be obtained from most international banks in Ghana including Barclays, UBA, etc. MasterCards can be obtained from GCB and some other banks.
  10. Check your email address to verify or activate your account, and enjoy PayPal legally in Ghana.

Check out: List of Online Shopping Sites in Ghana.

Please note that this type of account (Togo account) can only be used to make online purchases or transfer money to other people’s PayPal accounts. You cannot use it to receive money from someone or withdraw money from your account. For an account that can receive money and cash out in Ghana, click the following link >> Receiving and Cashing out Money from Your PayPal Account in Ghana.


And now for your information; if you want to buy items from online, always remember to specify a shipping address, where you want the item to be shipped to. This is totally different from your billing address.

Get a premium PayPal account for a cool GH₵100.

About The Author


  1. Archibold

    Please can you help me get a virtual nigerian address with phone number

  2. Daniel

    Great post. Very helpful. I’ll let you know how mine goes.Thanks once again.

    1. Saviour Sanders

      Alright, Daniel.

      Hoping to hear from you again.

  3. Ewurabena

    Do I need to open a dollar account or can I use my cedis account to fund the PayPal account

    1. Saviour Sanders

      No, Ewurabena.
      You don’t need a dollar account in order to fund your PayPal account. Your cedi account can do.

      When making transactions, your currency would be converted by PayPal.

  4. Edwin Asare

    Hello I would to ask this:
    can I use my US MasterCard instead of my visa card?

    if No!

    how do I create a PayPal account with my US MasterCard?

    1. Saviour Sanders

      Hello Edwin,

      You can use your US Mastercard to link with your PayPal account.

      Please note that it is not the card that will enable you to create the account. The card only links to your account after it is created to enable transactions to be done between your account and your bank.

  5. cliff

    please can i change my paypal address and phone number and country..i sign up using uk address

    1. Saviour Sanders

      Yes you can. But why do you want to?

  6. Nana Ofori

    This is kinda flawed because when you attempt to link your debit card it will require a billing address and your billing address has to be the same or at least the same country with the one which you used to create the account. If there is a way to link a Ghanaian debit card with a Ghanaian billing address to a paypal account opened with a Nigerian address please enlighten me. Thanks

    1. Saviour Sanders

      Thanks for your comment, Nana. It is important that your billing address has your bank’s branch in that country.

      That is why I advice that you go with Barclays. Their debit cards are for free.

      1. Nana Ofori

        I don’t get you. Scenario I open a paypal account with a Nigerian address. Ecobank is also in Nigeria. I want to link my Ecobank Ghana card with the account. I’m unable to link because the billing address is restricted to Nigeria whereas my card’s billing address is in Ghana. So how do I resolve this?

        1. Saviour Sanders

          PayPal for Nigeria is a bit restricted and exclusive to Nigerian banks only. Addresses should also match the banks’ ones. From an article I read here How to Open a PayPal Account in Nigeria, the writer mentioned that

          Also when filling in your address, make sure that it matches the same address details you filled when you opened your bank account.

          This is totally different from PayPal Ghana because I personally used a Togo address for creating my PayPal account and a Ghanaian address for my Barclays Bank account yet it worked when I linked my debit card. I have used this card to make several purchases since then without having any issues.

  7. Paul jumbo

    Nice tips here

    Am impressed in your guide on how to get papal account in Ghana.

    is barclays bank card still working with paypal?

    1. Saviour

      Yea, Paul. It works; and thanks for leaving a comment. Just checked your blog. Keep it up.

  8. Adusson

    please can you help me get a Virtual Togo address with phone number?

    1. Saviour Sanders

      Please Google for it. Thanks for your comment.

  9. Alhassan

    pls paul is it real true the Barclays card works…cant wait to open barclays account.

    1. Saviour Sanders

      The Barclays debit card works. One thing to know – Please go with the international one. I was told only yesterday at the Bank that their local ones cannot do online transactions.

  10. Benjamin

    Paul please what of stanbic visa card.

    1. Saviour Sanders

      Please give it a try. We can only confirm fully for Barclays international debit cards. Thanks for commenting.

  11. Donald Jefferson

    Thanks for the insightful post.I have been able to create a paypay account but can’t link my Gt Bank debit card,international.
    Pls how do I do that. Thank you

    1. Saviour Sanders

      Hello Donald,

      Please find out if your card is an international one. If it is, then I guess you should try a different bank, specifically Barclays.

  12. Pascal

    Thanks bro for your guide because you help me get my PayPal Account, may God richly bless you.

    1. Saviour Sanders

      You’re welcome, Pascal.

      I’m glad I’ve been able to help you.

      Have a nice day.

  13. Andrew

    Thanks boss. Just finished creating a PayPal account

  14. Dela

    Good day, Mr. Saviour and thanks for the information.
    I tried using a Visa card, but didn’t work out


      Which bank’s card is that, Dela?

      1. Dela

        Thanks bro, may God richly bless you. I just finished creating my PayPal account with Cal bank visa card.


          Great. I’m happy for you. Hoping to see you here again.

  15. Sam

    thanks bro, worked with my CAL bank visa card

  16. Abeiku

    please help me add my bank to my PayPal in Ghana.i create it with a Nigerian address and i can’t add my bank

    1. Saviour Sanders

      Which bank is it, Abeiku?

  17. Goodluck

    HI.. i open i paypal account since last year but i have not been able to link it to my bank account and each time i try it, it keep telling me that the card is not accepted and i should try another card and it a GTbank master card, what should i do, please help me.
    thank you

    1. Saviour Sanders

      Hello Goodluck,

      Are you able to purchase items online with your card? If yes, then you would need another card, preferably from Barclays (Savings Account, International Visa Debit Card).

      Hoping to hear from you again.

  18. Steve

    This is an indepth artilce on the paypal issue.
    I have created abd verified my Togo paypal account 100% and i can use it to make any purchases online
    My main problem is that, i can’t withdraw. There is absolutely no withdrawal option in my account and i have also use Mpower too and it didn’t work. So please if you can guide me if there is any plan b method to withdraw fron Togo Paypal. I will be extremely happy

    1. Saviour Sanders

      Hello Steve. Thanks for your comment.

      I suggest you use Western Union to transfer your money.

      PayPal has disabled receiving money with Togo PayPal accounts. Countries like US that allows too, the procedure is complex, you would have to have an American Social Security Number to be able to transfer the funds that have been sent to you to your bank’s account.

      We are researching on how best to make Ghanaians use PayPal with ease.

    2. Nate

      @Steve but can you use the funds to make online shopping if you can’t withdraw? Thank you

  19. michael

    i tried creating an account on Paypal, but i wasn’t given the option of choosing the country i want. it automatically chose USA for me

    1. michael

      i have been able to solve it. i was automatically directed to so i changed the ‘us’ to ‘ng’.

        1. Alhassan

          i suggest the best thing to use this,is for only payment by linking your card..trying to receive funds on it will be at your own risk cos your account can be freezed at any time

  20. Torsty

    Thanks for this wonderful insight, I just go through your blog and I think what I’m looking for is right here, I just got to try it out and see how it’s work thank to you bro.

    1. Saviour Sanders

      Thanks for the comment, Torsty.

  21. eagle choice

    Please does the products or items order go to Togo due to the Togo address with phone number or, you would fill in an address for delivery

  22. Ekow

    Please can I use ecobank debit card #visa card to link ma paypal account?

  23. Nana

    Please .. I tried linking my ecobank debit card to my paypal account but it didn’t work. I used a Togo billing address and phone number. Kindly help me link my card to my paypal account.

    1. Saviour Sanders

      Please find out from your bank if your card can make online payments. If not, you’d need to request for one that makes online payments.


  24. peter

    tks so much,i have a paypal account today,just did following ur instructions

    1. Saviour Sanders

      Welcome. I’m glad it worked for you.

    2. Saviour Sanders

      Great. I’m glad it worked for you.

  25. Alfred Donkoh

    Can i use my Ecobank Cashxpress card for pay pal?

    1. Saviour Sanders

      You can give it a try. It should work. I haven’t tried it before though.

  26. Robert

    Please Saviour… I cant receive funds from my paypal account… Can you please help me out?

  27. Acheampong Kofi

    i want to register a paypal account. please what should i do to get the account

    1. Saviour Sanders

      Please follow the steps in the article.

  28. Emmanuel

    Thanks for the insight but i unfortunately was not able to link my card to the paypal account for reasons best known to the authorities. I tried Barclays, Ecobank as well as Access Bank card all to no avail. I would also like to know if one can receive funds with the paypal account without linking any card to it. Your feedback will be highly appreciated. Thanks.

    1. Saviour Sanders

      Please find out from your bank which type of card you have. In the case of Barclays, they have a type that can only be used for ATM withdrawals, but not for online transactions. Such ones wouldn’t work.

      You can’t receive money with your Togo PayPal account.

  29. Nunu

    am creating paypal account but if i put my date of birth there is says wrong how should i put it 12-12-99 or (12-12-99) or which type

    1. Saviour Sanders

      Nice Question:

      I think PayPal has an issue, with their date system there.

      It has been stated there as DD/MM/YY but the correct arrangement should have been MM/DD/YY. So please type your date in this format MM/DD/YY.

  30. Kofi

    Can i use Barclays International Visa Card to withdraw funds from my paypal account?

  31. Nuzzo Samson

    Would it be recommended to use a VCC from these people: if I cannot get my own card?

    1. Saviour Sanders

      I don’t know about them. You can give it a try. One good thing is that you can link any card to PayPal. If it doesn’t pick, you can always try another one.

  32. nunu

    i use fast cash hfc so i create my paypal account finish but it just ask me CSC code so what shoul i do.

    1. Saviour Sanders

      The CSC code is the three-digit code on the back of your card.

  33. William

    Please am a little bit confused on the procedures i need your help

  34. Nature

    Can I use a cofred credit card to open a PayPal account

  35. Aikins

    Please is the phone number suppose to be that of Togo or Gh?? And can I use zenith bank credit card?

    1. Saviour Sanders

      The phone number should be for Togo.

      You can use Zenith Bank Cards.

  36. dela

    if your debit card or visa card isnt international it surely wont work out ryt