Top 10 Best Banks For Google Adsense Payments In Nigeria: An Updated Guide (2025)

Getting paid by Google AdSense in Nigeria used to be stressful—but not anymore. Thanks to dollar (USD) domiciliary accounts, wire transfer services, and competitive exchange rates, Nigerian bloggers, YouTubers, and AdSense publishers now have better banking options.

This guide lists the top 10 best banks for receiving Google AdSense payments in Nigeria, based on speed, reliability, exchange rate, and ease of setting up a domiciliary account.

What to Consider Before Choosing a Bank for AdSense Payment

Before we dive in, here are key features to look out for:

• Domiciliary (USD) account support

• SWIFT code and international transfer compatibility

• Low transfer/withdrawal charges

• Good dollar-to-naira exchange rate

• Ease of cash withdrawal or transfer to crypto

Top 10 Banks for Google AdSense Payments in Nigeria (2025)

1. Zenith Bank – Best Overall for AdSense Payments

• Swift international transfers

• Easy to open domiciliary account

• Strong reputation with AdSense publishers

• USD can be withdrawn over-the-counter (OTC) or sent to fintech platforms like Binance

SWIFT Code: ZEIBNGLA
Domiciliary Account Fee: Free
Exchange Rate: Market rate (withdraw and change manually)

2. GTBank (Guaranty Trust Bank)

• Popular among bloggers and YouTubers

• Dollar withdrawals and cash pickups

• Functional mobile and internet banking for monitoring USD inflows

SWIFT Code: GTBINGLA
Exchange Rate: Cashout rate varies—withdraw in USD and convert at BDCs

3. Access Bank

• Reliable for international wire transfers

• Prompt crediting of AdSense USD payments

• Functional mobile app for alerts and history

SWIFT Code: ABNGNGLA
AdSense Friendly: Yes
Exchange Rate: Withdraw in USD at branch, no forced conversion

4. United Bank for Africa (UBA)

• One of the oldest banks handling AdSense payments

• Allows direct USD withdrawal

• Accepted on all monetization platforms

SWIFT Code: UNAFNGLA
Ease of Setup: Medium
Exchange Rate: Favorable if done OTC

5. First Bank of Nigeria

• Strong international reputation

• Reliable for USD wire transfers

• Suitable for long-term bloggers and website owners

SWIFT Code: FBNINGLA
Exchange Flexibility: Yes
Processing Time: 1–3 business days

6. Fidelity Bank

• Growing popularity among creators

• Responsive to international payment issues

• Solid dollar payout processing

SWIFT Code: FIDTNGLA
Mobile Alerts: Yes
Customer Support: Good

7. FCMB (First City Monument Bank)

• Beginner-friendly

• Supports AdSense and freelance USD payments

• Good over-the-counter withdrawal system

SWIFT Code: FCMBNGLA
Minimum Account Opening Balance: $100
Ease of Use: Simple mobile banking experience

8. Sterling Bank

• One of the easiest banks for opening dom accounts

• Accepts USD remittance for publishers and freelancers

• Decent walk-in support for withdrawals

SWIFT Code: NAMENGLA
Best For: Small bloggers, freelancers
Charges: Low maintenance fee

9. Wema Bank (Including ALAT)

• Modern and tech-friendly

• ALAT app supports account monitoring

• Compatible with Google AdSense and freelance income

SWIFT Code: WEMANGLA
Digital Experience: Excellent
Best For: Creators under 30, small YouTubers

10. Union Bank

• Supports Google AdSense USD inflow

• Simple dom account requirements

• Nationwide branch support

SWIFT Code: UBNINGLA
Exchange Process: Manual (withdraw USD)
Account Maintenance: Low charges

📊 Comparison Table

FAQs

Q1: What kind of account do I need to receive AdSense payment?

You need a USD domiciliary account with a valid SWIFT code to receive AdSense wire transfers in Nigeria.

Q2: Can I receive AdSense payment in Naira?

No. AdSense pays in USD. You must receive your earnings through a USD account and convert it manually or through BDCs.

Q3: How long does AdSense payment take to reflect?

Usually 2–5 business days after Google issues payment (typically on the 21st of each month).

Q4: Can I use fintech apps like Payoneer instead?

Payoneer no longer works directly with AdSense. You must use a local USD bank account to receive AdSense payments in Nigeria as of 2025.

Q5: What’s the best bank for bloggers and YouTubers?

Zenith Bank and GTBank are currently the most trusted and widely used by content creators in Nigeria for AdSense wire transfers.

Final Thoughts

Receiving your Google AdSense payments in Nigeria is very possible—and reliable—when using the right bank. Based on speed, support, and exchange flexibility, Zenith Bank, GTBank, and Access Bank top the list in 2025.

Before choosing, ensure your bank supports wire transfers, has a working SWIFT code, and allows USD withdrawals. This way, you get the best rates and keep more of your hard-earned AdSense revenue.