How to Open a Payoneer Account in Ghana and Earn $25 Bonus

If you’ve been wondering how to open a verified Payoneer account in Ghana, you’re at the right place. In this guide, you’ll learn how to open a Payoneer account in Ghana and also earn a $25 bonus.

If you’ve been looking for a convenient payment system for your business, then Payoneer should be one of the first places of call. Once you open a Payoneer account, you’ll be given a free US account number and also a master card. You can also be given a UK bank account as

Payoneer Account holder can use the Payoneer debit card for withdrawal of your Payoneer funds via ATMs worldwide.


What is Payoneer?

Payoneer is a financial services company that provides online money transfer and digital payment services. Account-holders can send and receive funds into their bank account, Payoneer e-wallet, or onto a re-loadable prepaid Mastercard debit card that can be used online or at points-of-sale.

Interestingly, Payoneer is available in almost all countries in the world. It is also a good alternative to PayPal for individuals living in countries where PayPal isn’t available or fully functional.

With Payoneer, you can get paid on different online marketplaces like Fiverr, Upwork, Freelancer. You can as well be paid by Google Adsense with Payoneer.

Reasons Why You Should Open a Payoneer Account

There are numerous reasons why you should sign up to own a Payoneer account today. However, we’ll at just a few reasons why you should join Payoneer.

1. Free Sign Up and $25 Bonus

It’s absolutely free to join Payoneer. Interestingly, you’re entitled to a $25 bonus once you receive payment worth $1000 (or the equivalent in other currency) from a verified company. So if you’re looking for a good method of receiving your money, then Payoneer is a good option.

2. Free Foreign Bank Account

Payoneer will give you a local bank account in the USA, Europe, the United Kingdom & Japan. When you have to receive payment, you simply share the bank account details given by Payoneer (found under your Payoneer dashboard). One benefit of this is you won’t lose money due to multiple currency conversions.

3. Free Payoneer Mastercard

You’re also entitled to a free MasterCard once you sign up to join Payoneer. With this card, you can make a withdrawal at any ATM in the world. You can use it to make payment at any POS. For every withdrawal, you make at the ATM, Payoneer charges $3.

4. Withdraw Money Anywhere

Interestingly, Payoneer allows you to withdraw your money in your local currency. However, there’s a limit to how much one can withdraw in a day using the Payoneer MasterCard. For new users, You may be given up GH₵400 withdrawal limit per day. The default withdrawal limit for most users in Ghana is GH₵3000 a day.

Requirements to Opening a Payoneer Account in Ghana

The required details are not too many. It is completely free to open. You need the following information or details:

  • An active email account.
  • Address (postal code and residential address): Make sure you use the correct postal code. It is where your Payoneer card will be shipped to.
  • Local bank account: The details of your local bank accounts will be requested for.
  • Means of Identification (I.D card, voter’s card, Driver’s license, International Passport).

How to Open a Payoneer Account in Ghana

Having said that, let’s take a look at how to open a Payoneer account in Ghana.

Step 1. Sign Up on Payoneer

You can visit the official Payoneer website by clicking on this link.

On the homepage, you will discover two sign up buttons. One on at the top right corner, the other at the bottom left corner. Just click on anyone.

Step 2. Enter Your Personal Details

Fill all the details in their respective boxes. The data you enter must correspond with what you have on your means of identification. You must treat your Payoneer account like you would treat your official bank account because that is what it is.

After filling in all the required details, click on next.

Step 3. Fill in your Contact Details.

Enter your contact details in the boxes provided. Indicate your country of residence “Ghana”. Make sure you enter the correct address. Like I said earlier, that is where your Payoneer card will be shipped to. After successfully entering your contact details, click on next to proceed.

Step 4. Enter Security Details.

Now, enter your security details in the boxes provided. Choose a password easy for you to remember but difficult for others to guess. Enter a security question and provide an answer to that question.

The security question will be used to confirm your identity in case of any issues. The country has been specified. However, you can change it if your means of identification is from another country.

Step 5. Enter Your Local Bank Account Details

Enter the exact match of your local bank account details in the boxes provided. This is important if you intend to perform bank wire transfer from your Payoneer account to your local bank.

If you don’t know your SWIFT/BIC, you can google for the swift code of your bank. After completing all the details, click to agree to terms and conditions and pricing fees and then click on submit. Next, you should get a congratulatory message.

The Payoneer team will review your application in less than two working days. Fortunately, you can get verified in less than 24hrs.

How to Fund Payoneer Account in Ghana

Payoneer allows you to send and receive payment to anywhere in the world. To fund your Payoneer account, follow the steps below.

  • Log In To your Payoneer Account.
  • Scroll To Receive Payment and Click On It.
  • Click On My US Payment Service Profile.
  • This is where you will see the following details:
    • Bank Name.
    • Routing.
    • Account Number.
    • Account Type.

Copy all the details above and take it to your bank. When you get to your bank, tell the teller or anyone working in the bank that you would like to fund your Payoneer Account. Using the details above, they will help you fund your account.

You can now go ahead and shop online or pay for goods and services using your Payoneer Account Debit card. After the payment has been processed, it should take about 10 to 30 minutes for the funds to reflect in your Payoneer Account. Importantly, remember to activate your Payoneer card once you’ve got it.

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