✅ 1. Reach the Payment Threshold
You must earn at least $100 (or your country equivalent — in Nigeria currently about ₦100,000–₦120,000 depending on exchange rate) before withdrawal becomes available.
✅ 2. Verify Your Identity (KYC)
Google will require you to verify your identity. They may ask for:
Government-issued ID (International Passport, Driver’s License, National ID/NIN Slip)
Proof of address (Utility bill, bank statement, etc.)
✅ 3. Verify Your Address (PIN)
Google will mail a PIN code to your home address.
How it works:
Google sends a physical letter to the address you entered in AdSense.
It arrives in 2–4 weeks (sometimes up to 6 weeks in Nigeria).
Log in to AdSense ➝ enter the 6-digit PIN.
Without PIN verification, Google will hold your earnings and won’t pay you.
✅ 4. Add a Payment Method
In most African countries (including Nigeria), the available payout method is:
✔ Western Union (retired for many regions but still active in some)
✔ Wire Transfer (commonly used)
Add your bank account details:
Account Name
Bank Swift Code
Bank Name
Account Number
Bank Address
💡 Nigerian Swift Codes Example:
Bank Swift Code
GTBank GTBINGLA
First Bank FBNINGLA
UBA UNAFNGLA
Access Bank ABNGNGLA
✅ 5. Meet the Payment Schedule
Google pays once a month:
Between 21st–26th of every month
If your balance is ≥ $100 and all verifications are complete
📌 Payment Timeline Example
Date Event
Jan 1–31 You earn revenue
Feb 1–20 Balance reviewed
Feb 21–26 Payment sent to your bank
3–7 business days Money reflects in your account
💡 Important Notes
If payment is declined by your bank (wrong Swift code or wrong details), it returns to Google.
Exchange rates depend on your bank’s current USD rate if payout is in USD.
Some banks charge wire transfer fees (e.g., $10–$30 depending on bank).
🏦 Recommended Banks for AdSense Withdrawal (Nigeria)
Bank Reason
UBA Fastest settlement time
GTBank Reliable for USD inflow
Access Bank Less complaint on payment delays
Zenith Bank Good for international transfers
🧾 Documents You Should Have Ready
Valid ID
Bank account able to receive international payments
Address that can receive physical mail for the PIN
If You Want, I Can Also Help You:
✔ Set up AdSense payout
✔ Fix PIN not arriving
✔ Solve “Identity verification failed”
✔ Fix “We were unable to process your payment”
✔ Choose best bank option
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