Is Cash App Available in Nigeria?
No, Cash App is not available in Nigeria. Cash App requires U.S. phone numbers and bank accounts, making it inaccessible to Nigerian users. Alternatives like Paystack, Flutterwave, OPay, and Kuda offer reliable mobile payment solutions within Nigeria and are better suited for local use.
Let me get straight to it: Cash App is NOT officially available in Nigeria. If you’re trying to use it locally or thinking about downloading it with your Nigerian number, stop wasting time, it won’t work natively.
But here’s the thing: you can still receive money from Cash App, cash it out in naira, and even explore some legit alternatives.
I’ll break it all down clearly.
Can You Create a Cash App Account in Nigeria?
No, you can’t create a Cash App Account in Nigeria. Not with a Nigerian number or Nigerian IP address.
Cash App only works for residents in:
- United States
- United Kingdom
Even if you try, here’s what you’ll run into:
- You need a US/UK phone number
- You need a US/UK debit card or bank account
- Even with a VPN, Cash App will ask for real KYC documents that tie back to the US/UK
So, Can you “bypass” this with a VPN?
Technically, yes. But here’s what you’re actually doing:
- Using a VPN to spoof your IP location
- Getting a virtual US phone number (via Google Voice, TextNow, etc.)
- Faking your identity or using someone else’s US ID
So, personally if i have to advise you, Don’t just apply blindly. This workaround might work, but Cash App is known to ban accounts that violate terms.
If you’re doing this, be ready for frozen funds or permanent bans anytime as it can happen anytime.
Can You Use the Cash App Card in Nigeria?
No, you cannot use your Cash App Card in Nigeria, not unless you already have one from the US.
- The Cash Card is only issued to users with verified US accounts
- You can’t order it from Nigeria
- Even if someone mails you the physical card, you won’t be able to activate or manage it without full US access
Even if you somehow got it working, ATM withdrawals in Nigeria come with high fees:
- $2.50 per ATM withdrawal (from Cash App)
- Up to 3% foreign transaction fees
How to Cash Out Your Cash App Balance in Nigeria (Real Methods That Work)
Let’s say someone sent you money on Cash App. You’re in Nigeria and want to withdraw it in naira.
You’ve got three real options:
1. Use Bitcoin Withdrawal (Best Method)
- Buy Bitcoin with your Cash App balance
- Withdraw the Bitcoin to your personal wallet (like Trust Wallet)
- Sell it on Binance P2P, Paxful, or a Nigerian crypto trader for naira
This is the fastest and most direct way. No US bank needed.
2. Send to Someone in the US
- Ask a trusted friend or family member with a US account
- Send your Cash App funds to them
- They send you the naira via Sendwave, WorldRemit, or direct bank transfer
This method works well if you have someone reliable in the States.
3. Peer-to-Peer Trade with Cash App Buyers
Platforms like Paxful and CoinCola have verified vendors who buy Cash App funds and pay you in crypto or naira.
- You send them the Cash App payment
- They release crypto or naira to you via your chosen method
WARNING: Always use escrow. Please iam begging you, avoid Telegram/WhatsApp sellers, there are too many scams.
Bitcoin Withdrawal from Cash App in Nigeria
Yes, this works beautifully. Here’s how:
- Inside the Cash App, buy Bitcoin
- Tap “Withdraw Bitcoin”
- Enter your external wallet address (Trust Wallet, Exodus, etc.)
- Send
- Sell your BTC in naira via P2P or Nigerian crypto exchange
You just turned Cash App funds into naira. Simple right?
Will Cash App Launch in Nigeria Soon?
For now, it is highly unlikely.
Cash App’s parent company (Block, Inc.) recently exited the UK market. They’ve publicly stated they’re now focusing on the U.S. only.
There are zero official signs they’re coming to Africa, or Nigeria, anytime soon.
If it was me, Don’t wait for it. Use local options instead.
Best Cash App Alternatives in Nigeria
Here’s what actually works right now in Nigeria:
1. OPay
- Best for local transfers, airtime, and bill payments
- Massive agent network
- Instant bank transfers
2. Chipper Cash
- Works in Nigeria + U.S.
- Send money across Africa and to the U.S.
- Buy/sell crypto, get a virtual Visa card
3. PalmPay
- Cashback rewards on every transaction
- Pay bills, transfer, buy airtime
- Easy sign-up and wide usage
4. ALAT by Wema Bank
- Full digital bank
- Open USD accounts
- Get virtual cards for online payments
5. Paga
- Mobile money with strong offline network
- Works even on basic phones (USSD)
- Good for underbanked regions
6. Eversend
- Multi-currency wallet
- Exchange NGN to USD, GBP, EUR
- Useful for freelancers & remote workers
What You Should Do Next?
Cash App isn’t in Nigeria, and it won’t be anytime soon.
But that doesn’t stop you from:
- Receiving Cash App funds
- Converting them to Bitcoin
- Selling in naira
- Using better local apps to move your money faster
If you want flexibility, my advice is to go for crypto-first or use Chipper Cash. If you’re doing only local transfers, OPay or PalmPay work best.
