Okay so in my previous tutorial I shared How To Create A verified PayPal Account In Ghana and promised to share with you guy's how to withdraw your PayPal funds into your local bank account here in Ghana and how to cash out from the ATM. 

Previously to withdraw money from your PayPal account directly into your bank account here in Ghana is a little bit cumbersome and sometimes not possible. However, I am going to show you the easiest way to withdraw money from your PayPal account in Ghana.

In the previous guide where I shared how to create a verified PayPal account in Ghana, I made mention of UBA Africard (Visa) in the information required section for opening a PayPal account, however, UBA Africard is not the only Bank card you can use. These banks can be used also:

Banks in Ghana that accept PayPal

  • First Atlantic Bank (Debit card)
  • United Bank of Africa (Debit card)
  • Ecobank Bank (Master Card)
  • Zenith Bank 
  • GT Bank (Cards)
  • GCB (Visa Cards)
  • Fidelity Bank (Debit card)
  • Barclays Bank now Absa (Debit card)
  • Standard Chartered (Cards)

Okay, the above mention banks can be used for PayPal account in Ghana but very tough to use due to some additional works in my case, with banks like GCB and Ecobank, you need to go for your bank statement to check and confirm a code sent by PayPal.

For banks like United Bank of Africa and First Atlantic Bank, the verification code will be sent to you through email or SMS like the below screenshot :

So in my case, I will be using UBA Africard to demonstrate this tutorial since that's what I use for my online transactions and other activates. 

Step to get a UBA AfriCard for your PayPal Activation 

Uba africard is used for online payment activities like paying for the Facebook ad, online shopping, etc. You can get one and start using it for your online activities. But in this case, we will be using it for PayPal activations and Withdrawals. You will use it for any kind of online transaction. 

If you need a uba africard for your PayPal activations and Withdrawals, all you need to do is to go to any UBA branch near you.

 Go along with a Valid ID card, 2 to 3 Passports Pictures, Tin Number, and at least the sum of 50 cedis. Tell them that you want to apply for a uba africard. They will give you a form to fill, fill the form. If there is any question that you don’t understand, don’t fill it.

 Note: The card is categorized in two types [that is personalized and non-personalized or instant]

The personalized one will have your name on it and it will take Up to one week before it comes out. But the instant one will be issued to you the same day. So while filling the form, mark the personalized one if that is what you want or you mark the instant if you want to take it at once. When you receive your card, two pins will be given to you and also an envelope. The two pins are:


You change your withdrawal pin instantly at the atm machine with the directions given to you. Load the 25 cedis  on it Immediately. Now that you have received it, you have to Activate it. You have to activate it after receiving it.

Step to Withdraw PayPal Funds in Ghana

Now that you've  gotten your Uba africard ready, follow the below simple steps to link the card to your PayPal  and also how to withdraw the money from your PayPal to the card 

1. Log into your PayPal Account, with the Lesotho IP we used yesterday for creating the account www.paypal.com/ls ( Don't use VPN just www.paypal.com/ls)

2.Then Click on the account settings tab like below :

3. Click on Money, Bank and Card like below:

4. Now click on link bank card illustrated like below : 

5. Now on this page Enter the card numbers, Card type is Visa Card, Enter date of expatriation and the security code at the back of the back and click Link Card . After that click on get verification code 

i. Card numbers date of expatriation

ii. Security Code

6. The will be sent to the email you used for creating the UBA card at the bank, you can see my code like below:

7. Now enter the four digit code you recieved from the bank here and click on Confirm Card 

8. Once you are done, Payment will notify you of successful account limit lifted  

9. If you don't get any of this two messages, means there is something you are not doing right. 

Now, we are done linking the card to our PayPal account, it's time to know how to withdraw the PayPal funds into your uba card which you can go to the ATM for cash out. But before you withdraw your fund onto the UBA Africard, Uba charges $5 for any bank transfer, meaning any amount you try to withdraw, you will be charged $5.

For example, if you have $50 and you want to withdraw the $50, you will receive $45 onto the card. Now you know all about the charges you can go ahead and withdrawal your PayPal funds: 

10. Now click on transfer 

11. Since I have my card linked already I will click Next, if there is no card click link a debt card a  you wish to withdraw the funds onto 

12. Enter the amount you wish to transfer and click on Next.Once its goes through successfully You should congratulation message. 


We have successfully link and withdraw our funds onto our local bank account here in Ghana without going through exchangers who will rip us at the end. if you enjoy this tutorial kindly like our Facebook Page and don't forget to share