How To Receive Money From Abroad As A Nigerian

About a month ago, I got a business contract from oversea which I have to receive my payment through Western Union. Majority of my clients are usually Nigerian and that means, I haven’t receive money from abroad before.. I literally panicked. I went online to find out how to receive money from abroad, even how to receive money from Western Union bank. I used all the keywords I know on search engine but i was heavily disappointed. I saw some resources, but they appeared so complex that I couldn’t understand a thing. Anyway, I later got the money successfully and have decided to teach you how I did it.

Initially, I thought receiving money from outside Nigeria will be World War III, but it was so easy that I was beaming with smiles throughout my session in the bank. I thought that to receive money from Western Union as a Nigerian, I will have to have an account with them or perhaps, pass through rigorous processes. But I was wrong.. Virtually every Nigerian bank are agents.. This means, you can receive your Western Union transfer through your bank easily without any hassle.

In this article, I’m going to teach you How to Receive Money From Western Union and Wire Transfer as a Nigerian. These mediums are very easy and not technical at all. In fact, my recent Adsense Earning was cashed out through Wire Transfer into my domiciliary account, which we usually refer to as Dollar Account. Let’s go into tutorial.


receive money from western Union

When someone decide to pay you through Western Union, all that the person require from you is your National ID Number and Name. If you don’t have a National ID card, please visit the ministry in charge of that in your state.


Provide the sender with your National ID Number and Name.. When the payment have been made, request from the sender your Tracking Number (MTCN)


Then head over to an agent, virtually all banks in Nigeria can help you receive your money. Visit your bank with your government issued National ID Card and tell them that you’re expecting some money through Western Union. You’ll be directly to the unit in charge of that.


You’ll be given a form in which you have to include some details, like the;

  • Name of the sender
  • Address of sender
  • Date of birth
  • Amount expecting
  • MTCN number (the tracking number)

…and so many other details which you can easily provided as long as you’re the receiver.

If you’re confused with any requirement, bring it to their attention and they will guide you through. When you’ve finished filling the form, they might pay you the cash immediately or credit it into your bank account.


Receive money from wire transfer

When I began blogging, my first Adsense payment came through wire transfer, all the way from Google Ireland Limited. The payment was in dollar and I didn’t know that I needed a domiciliary account for that.. I thought it will smoothly lodge into my account. Not until I got a call from my bank that the money Is hanging. I have to write a letter to the manager, requesting that they convert the dollar to naira at their own exchange rate. It was successful, but I had to proceed to opening a domiciliary account immediately for future payments. The bank’s exchange rate can be horrible, I prefer selling the dollar myself than being at the mercy of the bank.

So, to receive money from abroad through wire transfer, you need to open a Domiciliary account. Visit your bank and ask for the requirements.

I opened my dollar account using Zenith Bank and the requirements were;

  • National ID Card
  • Two passport photograph
  • And Utility Bills…  Like NEPA Bill

Visit the bank with the above and you’ll surely have yourself a domiciliary account. I once heard about bringing two current account holders as referrers, I don’t think it’s needed anymore. With the three requirements above, you can have yourself a dollar account. This account is very important to bloggers who receives their Adsense Earning through wire transfer.


As long as you dream of making money in life, then you’ll once or countless times receive money outside Nigeria. In such situation, you can easily get paid through Western Union or Wire Transfer without any hassle at all. As a newbie, you’ll be filled with anxiety. It’s nothing.. Everything can be done in your bank and they are ever ready to guide you through. If you’ve any question, use the comment box and I will respond immediately. Don’t forget to share using the buttons below!

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