How to Receive Twitch Payments in Nigeria

Last updated: January 19, 2026 • 5 min read

Quick Answer: Nigerian streamers receive Twitch payments by using virtual US dollar accounts (Cleva or Geegpay) that provide real US bank details for ACH transfers. Setup takes 5-10 minutes with just your NIN and BVN.

Why Twitch Doesn't Pay Directly to Nigerian Banks

Twitch only supports ACH (Automated Clearing House) transfers, which require a US bank account with:

US routing number (9 digits)
US account number
Bank registered in the United States

Nigerian domiciliary accounts don't have US routing numbers, so Twitch payments won't work with traditional banks.

⚠️ Important: PayPal doesn't work for Nigerians. Nigeria was banned from receiving international PayPal payments in 2016. Don't waste time trying PayPal for Twitch payments.

Step-by-Step: Setting Up Twitch Payments

Step 1: Choose Your Virtual Dollar Account

Pick based on your needs:

Cleva - Best for Twitch (0.9% fee, USD only, Y Combinator backed)
Geegpay - Good for multi-platform (0.8% fee, USD/GBP/EUR)

Step 2: Sign Up (5 Minutes)

You'll need:

NIN (National Identification Number)
BVN (Bank Verification Number)
Nigerian phone number
Email address

No physical documents required. Everything is done online.

Step 3: Get Your US Bank Details

After verification (instant to 24 hours), you'll receive:

US routing number (e.g., 026073150)
US account number (e.g., 1234567890)
Bank name and address

Step 4: Add to Twitch

In Twitch Creator Dashboard:

Go to Settings → Revenue & Analytics → Onboarding
Select "ACH/Direct Deposit"
Enter your virtual dollar account's US bank details
Verify your identity (if required)

Step 5: Receive Payments

Twitch pays around the 15th of each month:

Minimum payout: $100
Transfer arrives in your virtual account in 3-5 business days
Withdraw to your Nigerian bank in 1-2 days
Total time from Twitch payout to Nigerian bank: ~1 week

Cost Comparison

Provider	Deposit Fee	Withdrawal Time	Best For
Cleva	0.9% (max $20)	1-2 days	Twitch only
Geegpay	0.8% (min $1.5)	Same day	Multi-platform
Payoneer	1-3%	2-3 days	High earners

Common Questions

Q: Is this legal?
Yes. Virtual dollar accounts are fully licensed by CBN and international regulators. Carter Efe and thousands of Nigerian streamers use these services.

Q: What if my Twitch payment is $10,000+?
No problem. Cleva handles large transfers but caps fees at $20. For a $10,000 payment, you'd pay just $20 (0.2% effective fee).

Q: Can I use this for YouTube/TikTok too?
Yes! The same virtual dollar accounts work for YouTube AdSense and TikTok Creator Fund payments.

Ready to set up your payments?
Compare all payment options →

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