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How To Open A PayPal Account In Nigeria 2023



Opening a PayPal account becomes necessary and urgent in Nigeria as many online retails and online shopping only accept a PayPal as the only means of Payment.

As ou all know it, PayPal is world number one money transfer platform, which you can use to transfer and receive money online as well as making orders and online purchase.  online excel invoice template free, Also, PayPal doesn’t share your full financial information with sellers. And PayPal Buyer Protection covers your eligible purchases if they don’t show up or match their description.

On this post, we will guild and teach you how to open and use a PayPal account in Nigeria.

For some time, PayPal had basically shut Nigeria out due to internet-related fraud. As fraud detection techniques improved as well as Nigeria’s nation being the largest economy in Africa, PayPal has now lifted restrictions on Nigeria.

How To Open A PayPal Account In Nigeria

Owning a PayPal account is quite simple and you can do that in two ways.

#1 From PayPal Website;

  1. Firstly log on to
  2. Click on signup, select Personal / Business
  3. Personal will be for your personal debit card and business for your company debit card (if you have one). In this case I suggest you click personal.
  4. After selecting Personal click continue…you should see “Nigeria” in the drop down area, your email address and password.
  5. Fill in your email address.
  6. Type in your password and make sure it is one you can remember
  7. Go to the next page and type other details such as names, date of birth, address and phone number.
  8. Also when filling in your address make sure that it matches the same address details you filled when you opened a bank account
  9. It will then take you to a page where you fill in your debit card details
  10. Fill in your credit card numbers and other details such as, expiry date and the last 3 digits behind your debit card.
  11. Go to your email account and click on verify
  12. Voila!! Your account is setup
  13. Test it by sending $10 to anyone or to your PayPal account abroad (if you have one)
  14. You get debited in Naira and you should get an alert from your local bank
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#2 Using a Wallet

First Bank offer this option through their exclusive deal with PayPal. How does this work?

  1. Simply login to your internet banking account using your password and token
  2. Choose the “PayPal wallet” in the main tab and click “Create PayPal Wallet” on the drop down menu
  3. Select which cards you wish to link to your PayPal account and which card will be the default card. Try using one card for easy reconciliation
  4. Press the button on your online token and confirm accordingly
  5. Create a password in the pop up window that appears
  6. Click on “agree and create account”.
  7. Go to your registered email account with the bank which confirms that you have created a PayPal account

Note, you can also performed the above steps and opened a PayPal account using Zenith Bank master card so it is pretty simple. To test it, use the new PayPal account linked to your Zenith Master Card and transfer money ($10) to another PayPal account if you have any. If it was properly set up, your account will be debited according to current exchange rate. so don’t expect the Bank to use the official rate. This of course is due to the currency crisis Nigeria is currently experiencing.

It is also important to note that restrictions still apply on your transfers as such you may not be able to transfer more than $500 at a time.

Thanks for Reading, don’t hesitate to ask your questions via the comment section.

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GOOGLE SEO: 2 Good Ways to Remove Duplicate Content, and 8 Bad Ones




Duplicate content is two or more pages containing the same or very similar text. Duplicate content splits link authority and thus diminishes a page’s ability to rank in organic search results.

Say a website has two identical pages, each with 10 external, inbound links. That site could have harnessed the strength of 20 links to boost the ranking of a single page. Instead, the site has two pages with 10 links. Neither would rank as highly.

Duplicate content also hurts crawl budget and otherwise bloats search engines’ indexes.

Ecommerce sites create duplicate content. It’s a byproduct of platform settings and technology decisions. What follows are two good ways to remove duplicate content from search-engine indexes — and eight to avoid.

Remove Indexed Duplicate Content
To correct indexed, duplicate content, (i) consolidate link authority into a single page and (ii) prompt the search engines to remove the duplicate page from their index. There are two good ways to do this.

301 redirects are the best option. 301 redirects consolidate link authority, prompt de-indexation, and also redirect the user to the new page. Google has stated that it assigns 100 percent of the link authority to the new page with a 301 redirect. But Bing and other search engines are tighter lipped. Regardless, use 301 redirects only when the page has been permanently removed.
Canonical tags. “Canonical” is a fancy word for something that is recognized as the one truth. In search engine optimization, canonical tags identify which page should be indexed and assigned link authority. The tags are suggestions to search engines — not commands like 301 redirects. Search engines typically respect canonical tags for truly duplicate content.
Canonical tags are the next best option when (i) 301 redirects are impractical or (ii) the duplicate page needs to remain accessible — for example, if you have two product grid pages, one sorted high-to-low, and the other low-to-high, you wouldn’t want to redirect one to the other.

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8 Methods to Avoid
Some options that remove — or claim to remove — duplicate content from search indexes are not advisable, in my experience.

302 redirects signal a temporary move rather than permanent. Google has said for years that 302 redirects pass 100 percent of the link authority. However, 302s do not prompt de-indexation. Since they take the same amount of effort to implement as 301s, 302 redirects should only be used when the redirect is truly temporary and will someday be removed.
JavaScript redirects are regarded by Google as valid — after several days or weeks have passed for the rendering to process to complete. But there’s little reason to use JavaScript redirects unless you lack server access for 301s.
Meta refreshes are visible to shoppers as a brief blip or multisecond page load on their screen before the browser loads a new page. They are a poor choice due to the obnoxious user experience and the rendering time Google needs to process them as redirects.
404 errors reveal that the requested file isn’t on the server, prompting search engines to deindex that page. But 404s also remove the page’s associated link authority. Try to 301 redirect a deleted page when you can.
Soft 404 errors occur when the server 302 redirects a bad URL to what looks like an error page, which then returns a 200 OK server header response. For example, say has been removed and should return a 404 error. Instead, it 302 redirects to a page that looks like an error page (such as, but returns a 200 OK response.
The 302 response inadvertently tells search engines that is gone but might be coming back, so the page should remain indexed. Moreover, the 200 response tells search engines that is a valid page for indexing. Soft 404s thus bloat the index even further by resulting in not just one bad URL being indexed, but two.

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Search engine tools. Google and Bing provide tools to remove a URL. However, since both require that the submitted URL returns a valid 404 error, the tools are a backup step after removing the page from your server.
Meta robots noindex tag is in the head of the HTML file. The noindex attribute tells bots not to index the page. When applied after a page has been indexed, it may eventually result in de-indexation, but that could take months. Unfortunately, link authority dies with the engines’ ability to index the page. And since search engines must continue to crawl a page to verify that the noindex attribute is still in place, this option doesn’t reduce dead-weight pages from the index. (Note, incidentally, that the nofollow attribute of the meta robots tag has no impact on that page’s indexation.)
Robots.txt disallow does not prompt de-indexation. Pages that are disallowed after they have been indexed are no longer crawled by search engine bots, but they may or may not remain indexed. It’s unlikely that these pages will show up in search results unless searched for by URL, however, because the search engines will no longer crawl the page.
While they’re not ideal for removing indexed content, meta robots noindex and robots.txt disallow should both prevent new duplicate content from being indexed. Their application, however, requires that duplicate content be identified before the launch of a new site, and they are not 100-percent effective.

Your Best Bet
If you need a sure method of de-indexation, a 301 redirect or 404 error is your best bet because the server no longer loads the content that had been found on that page. If you need to de-index the page and harness the link authority, use a 301 redirect.

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Top 10 Best Personal Finance Apps In The World




Saving money is great, but it can be difficult at times, especially if you’re not keeping an eye on where it’s going. 

Personal finance apps can connect with your bank account and help you keep up with your spending, personal finance apps can help you pinpoint areas that you’ve been spending, track upcoming bill payments, keep up with your credit score and investment portfolio.

The best personal finance apps provide several different features for managing your overall finances. That’s why using a personal finance app, like the ones we’ve listed below, is a good idea.

Top 10 best personal finance apps

  • Mint
  • You Need A Budget (YNAB)
  • Quicken
  • Prism
  • Spendee
  • Acorns
  • Personal Capital 
  • Every Dollar 
  • Clarity Money 
  • Mobills

Top 10 best personal finance apps


Mobills does a good job of tracking all your expenses in one easy to read interface, on both mobile and desktop.

Once you import your bank accounts and credit card information, Mobills will pull in the data and present everything to you under one roof. 

Mobills organizes your expenses in categories so you can track your spending is progressing toward your budgeted amount.

See the amount you have remaining to spend in each budget category so you can rein in your spending as needed. The budget planning app includes interactive charts that allow you to analyze your financial life; you can use them to make adjustments as you need to reach your larger financial goals. Add your credit cards to the app so you can see your current balance and spending limits all in one place.

You can add all your bills and due dates to keep track of when your bills need to be paid. The free version of the app has limited functionality while upgrading to the premium version will give you full access to all the app’s features.

Clarity Money

Once you add all your accounts to the app, it will pull in all your information and display it back to you in a pie chart.

The chart will provide you with a lot of useful information, like showing you particular areas where you overspend.

If you’re someone that has a lot of subscriptions, but can’t remember exactly what ones you have, Clarity will help you identify the ones that you no longer use so you can cancel them. 

This is already a pretty cool feature in itself, but there’s’ more.

Clarity analyzes your spending patterns and then suggests more recommendations to help improve your financial situation. 

The app also allows users to make savings deposits and set up savings goals.

If you’re concerned with how secure your money is, then you’ll be pleased to know that your savings deposits are held at an FDIC-insured bank and insured up to $250,000.

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Lastly, to keep things simple, you’re also able to access a free VantageScore credit score from Experian inside the app, so you can see exactly how your personal finances are being measured.

Every Dollar

The next personal finance app on our list is Every Dollar. 

This one follows a zero-based budget approach, which means that it gives every single dollar a purpose in the budget, hence the apps name.

Every Dollar allows you to connect all your accounts and keep an eye on your finances in one place, similar to most apps on our list. 

You can keep track of your spending, split expenses between multiple budget items, track your current rate of spending, and see how much you’ve got left to spend for the month. 

As well as being able to use the app on the go, you can also log in to a desktop version if that’s an easier way for you to manage your finances. 

Another little perk of using Every Dollar is that you can connect with a money management expert who can help you with your financial goals. 

Personal Capital 

Coming in at number seven on our list of personal finance apps is Personal Capital. 

If you’re looking to manage some investments as well as just staying on top of your day to day spending, then Personal Capital might be a good choice for you. 

Using this app, you have the ability to manage your investments along with your everyday spending habits. 

Although you can track your everyday habits and create a budget in the app, it’s true potential really comes to life by helping you track and optimise your investments.  

You’re able to track your portfolio in a number of ways, for example, by asset class, account, or individual security.

Using the built-in intelligence available on the tablet version of the app, you’ll also have access to opportunities for diversification and managing risk, plus the potential to sport any hidden fees you could be paying.

This information gives you a great opportunity to stay on top of all areas of your personal finances.

Lastly, just like Every Dollar, the app allows you to speak with a registered financial advisor who can go through your goals and customize an individual financial and investment plan for you. 


Acorns is an American financial technology company that started out in 2012 and has since helped over 4 million people save and invest their money.

Essentially, what their service does, is take the spare change from any purchase you’ve made and invest it automatically into different portfolios, made up mainly from ETFs. 

Since their inception, Acorns has seen a lot of growth and now offers its’s customers even more options to manage their finances.

For example, you can open up an IRA, participate in active investing and grab yourself one of their cool new debit cards. 

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Their debit card allows you to spend money as you normally would, but manage all those transactions in your Acorns account.

This also keeps all your spending data under one roof, making it super simple for you to understand where your money is being spent, saved or invested.


If you’re after an app that allows you to open shared accounts with family members or friends or manage shared expenses, then look no further than Spendee. 

Just like the other personal finance apps on our list, you start by connecting all your personal accounts and important data. 

From there, Spendee will present that information in a really nice UI that makes your spending activities easy to understand. 

If you have some cryptocurrency that you’d like to keep an eye on, Spendee will also import that data for you. And, if you’re a bit of a cash spender, then you can also manually add in cash payments.

If you find it hard to stick to a budget, then use Spendee to set up a budget for each individual category and set up notifications to prompt you when you’re approaching the limit. 

Also, forgetting to pay bills is no longer a headache thanks to Spendee’s bill tracker functionality. It will ensure you’re aware of when bills are due and payments need to be made. 

Finally, if you’re planning a holiday or going to an event where you’re likely going to spend money, you can set up a specific category for event, with a budget included, for the sole purpose of tracking your spending during the event!


With the goal of eliminating the need to log into multiple financial accounts to get an good idea of your financial situation, Prism was set up to allow its users to view and pay all their bills in one location. 

It takes a little bit of time to get set up, but once you’ve added all your bills and payments to the app, Prism will automatically send you reminders of your due dates, and will even pay those bills for you if you wish.

You can view all your financial accounts and transactions in one place, like the previous apps on our list, however, Prism really shines when it comes to bill tracking and payment management.

If you like to be ahead of the game, you can use the app to schedule your bill payments to go out on the same day or in advance if that’s advantageous for you.


Being in business for over 30 years and trusted by more than 17 million members worldwide, Quicken has become one of the best personal finance apps on the planet. 

However, to use the app you’ll need to part ways with some cash, but don’t let that put you off as they offer a 30-day full money-back guarantee if the product isn’t for you.

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The app includes features like payment tracking, budgeting, investment tracking and safely stores all your data using 256-bit encryption. 

Quicken has also released a credit card for all its members. Using the card, you can keep track of all your pending transactions, spending habits, purchases, budgets and bills. Moreover, you also earn 2x points on recurring bills, dining and groceries, and you get to choose your own rewards!

You Need A Budget (YNAB) 

There’s no escaping creating a budget with this app. The first thing YNAB will ask you to do is create a budget goal, like a holiday or major expense. 

Next, you’ll link your accounts and YNAB will import all your transactions, giving you the option to assign each of them a specific category.

Your account balance will also be brought into the debt manager to give you an accurate idea of where you stand.

Next, you can check the detailed reports to see how your spending is going throughout the month and look out for any potential issues. 

By using their app, YNAB claims the average new user saves around $600 in the first two months and roughly $6,000 a year. 

It sounds like a pretty good service overall, however, after their initial trial period of 34 days, you’ll be required to pay a monthly subscription of $6.99, which is billed annually at $83.99. 

So, bear that mind before you import all your data! 


Mint, Intuit’s personal finances apps, is one of the most well-known personal finance apps that provides your complete financial picture in one place. Once you link your credit and debit cards to your account, Mint pulls your transactions, categorizes them and shows how you’re spending your money. You can keep track of your bills and spending and create a budget you can stick to.

Free access to your credit score is one of the more recent additions. You can get a breakdown of the factors contributing to your credit score to stay on top of your credit health.

Plus, you can track your investments and schedule utility payments. For bills that you manually pay, the app can send e-mail reminders or add the due dates to your phone calendar. You can use the app exclusively or access your account via computer.

Mint is completely free to use. It makes money by suggesting offers and deals for credit cards and loans to its users. 

We welcome your comments, questions, corrections and additional information relating to this article. Your comments may take some time to appear. Please be aware that off-topic comments will be deleted.

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GO TV Subscription Packages 2022: Check Out For Most Suitable GO TV Subscription Packages 2022




GO TV Subscription Packages 2020

Owing to series of emails from our users who are requesting for the best available GO TV Subscription Packages in Nigeria, I have take my time to make a research and decided to come up with this page.

GO TV Nigeria the part of GO TV Africa that is available for subscribers in Nigeria.

GO TV Subscription Packages 2020

As it’s best known, GOtv is a product of Multichoice Nigeria, who are also the owner and controller in charge of DSTV. They almost the same thing, the difference between GO TV and DSTV is in the fact that the DSTV uses satellites.

The provider renders you access to both African and international channels, such as CBN or BBC, Al Jazeera and others. GOtv subscription packages provide African channels in the highest digital quality that you will undoubtedly appreciate.

However, the majority of options consists of African home broadcasting like AFRO Music, eTV Africa or AfricaMagic. The available numbers will change depending on which package and subscription plan you have chosen.

GO TV Subscription Packages 2020

1: GOtv Max

This package will provide you with the best access to the widest choice of channels and entertainment, including sports, 77 channels in total.

Channels Available In GOtv Max channels:

  • 2 documentary channels, such as Discovery Family and Nat Geo Wild
  • 1 for lifestyle and culture: Spice TV
  • 6 ones with sport, such as SuperSport (Blitz, Select 1, Select 2, Select 3, Select 4, Select 5)
  • 4 ones for children, such as Nickelodeon, Disney Junior, JimJam, PBS Kids
  • 5 ones with music, including MTV base, Hip TV, AFRO Music English, Sound City, and Planet Radio TV
  • 4 ones for religion: Faith Broadcast Network, Islam Channel, Emmanuel TV, and Dove TV
  • 25 channels with entertainment and movies, including Go Channel, Telemundo, E! Entertainment Television, FOX, FOX Lite, Sony Max, BET International, CBS Reality, M-Net Movies Zone, Eva+, AfricaMagic Epic Movies, AfricaMagic Family, Africa Magic Hausa, AfricaMagic Yoruba, AfricaMagic Igbo, and many more
  • 20 local ones, including ITV Benin, eTV Africa, Lagos TV, and others
  • 10 ones with news and commercial programs, such as NTA Parliament, EBS TV, BBC World News, CNN International, Al Jazeera, and others
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You can get this GOtv bouquet with the help of an official dealer. Get in touch with the company and find your regional representatives using a GOtv guide on the official website of the provider.

2: GOtv Plus

This available package is smaller than the previous one and more affordable. It will provide you with 67 channels from Africa and the world.

Channels Available In GOtv Plus channels:

  • 2 documentary ones, such as Discovery Family and Nat Geo Wild
  • 1 for lifestyle and culture: Spice TV
  • 4 ones with sport, such as SuperSport (Blitz, Select 1, Select 2, Select 3)
  • 3 ones for children, such as Nickelodeon, Disney Junior, JimJam
  • 5 ones with music, including MTV base, Hip TV, AFRO Music English, Sound City, and Planet Radio TV
  • 4 ones for religion: Faith Broadcast Network, Islam Channel, Emmanuel TV, and Dove TV
  • 19 channels with entertainment and movies, including Go Channel, Telemundo, E! Entertainment Television, FOX Lite, CBS Reality, M-Net Movies Zone, Eva+, AfricaMagic Epic Movies, AfricaMagic Family, Africa Magic Hausa, AfricaMagic Yoruba, AfricaMagic Igbo, TVC Entertainment, and many more
  • 19 local ones, including ITV Benin, eTV Africa, Lagos TV, and others
  • 10 ones with news and commercial programs, such as NTA Parliament, EBS TV, BBC World News, CNN International, Al Jazeera, and others

Purchase a starter kit that involves a special antenna and a decoder, and choose a GOtv subscription plan for a month. You can find out how much is GOtv from the dealer in your area. Then, an official representative will tune everything for you.

3: GOtv Value

This package will offer a narrower selection of options, but the price gets even lower.

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The available 39 GOtv Value channels include:

  • 1 for lifestyle and culture: Spice TV
  • 2 ones for children, such as Nickelodeon, JimJam
  • 3 ones with music, including AFRO Music English, Sound City, and Planet Radio TV
  • 4 ones for religion: Faith Broadcast Network, Islam Channel, Emmanuel TV, and Dove TV
  • 9 channels with entertainment and movies, including Go Channel, E! Entertainment Television, AfricaMagic Epic Movies, Africa Magic Hausa, AfricaMagic Yoruba, AfricaMagic Igbo, TVC Entertainment, Trybe, and shangai
  • 15 local ones, including Liberty TV, Tiwa n Tiwa, RAVE, eTV Africa, Lagos TV, and others
  • 5 ones with news and commercial programs, such as NTA Parliament, Al Jazeera, Arise News, and others

What you need to do to get connected to this selection of channels is purchase necessary devices and a monthly subscription plan from the official dealer.

4: GOtv Lite

This package consists of 25 options at a very economical price. Just get in touch with the provider and get to know how to receive it.

GOtv Lite channels come in the following quantity:

  • 11 local ones, including Liberty TV, RAVE, NTA2, NTA1, Silverbird, and others
  • 3 entertainment and movies options: Go Channel, TVC Entertainment, and shangai
  • 2 ones for children: JimJam and PBS Kids
  • 1 music channel – AFRO Music English
  • 4 religious ones, such as Faith Broadcast Network, Islam Channel, Emmanuel TV, and Dove TV
  • 4 ones with news and commercial programs, such as NTA Parliament, Al Jazeera, TVC News, and NTA News24

GOtv subscription plans for the Lite package

The Lite package comes in three payment options. You can choose between a monthly, a quarterly and an annual plan. Each of them will determine only the amount of money you pay. The type of subscription plan does not influence the number of available channels.

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What do you have to say about this? Which is your favorite and which one are you subscribing next? We would love to hear from you on the comment section.

Source: GOTV [the360report]

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