How to use a Nigerian debit card on Google Play store

I got an enquiry from someone having difficulty using his Nigerian debit card on Google Play store. “Ehy is Google Playstore rejecting my credit card number?” is a fairly regular enquiry I get from Nigerians trying to make app purchases with their local ATM/bank cards. Here are a few recent ones:


How to use Nigerian debit card on Google Play store.

How to use a Nigerian debit card on Google Play store

Google’s policy document states that “some forms of payment can’t be used if the country does not match the country listed for your account. For example, a Google Play balance in U.S.$ can’t be used if your home country is not the U.S. If you think this might be your issue, check or change your home country in Google Payments to see if that solves the problem.”

In other words, if your Google Play balance is listed in USD, you need to switch your home country to U.S. even though you are based in Nigeria. As such, you will need a US address and phone number.

How To Switch Home Country In Google Play

Here is how to change your home country to be able to use a Nigerian bank card on Google Play:

  1. Login to Google Payments with the email you use for Google Play
  2. Click on Settings
  3. Update the Home address field with your US address and phone number
  4. Save
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That’s it. Note that your card billing address must remain its authentic Nigerian address. The only thing you need to switch to US is the home country setting.

Doesn’t Work?

If this doesn’t work, just create a new Google account afresh and set the home country as U.S. from the get go. Enter your Nigerian debit card details using its valid Nigerian address. Use this new Google account exclusively for your logging into Play Store.

Still Doesn’t Work?

If you have followed the above steps and you are still unable to use your Nigerian debit card on Google Play store, you should consider getting an international MasterCard or VISA card and use that instead. The Nigerian financial services industry is probably screwing you up with one of their crazy policies.

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Mister Mobility

I started blogging about mobile in 2004 as a fun way to share my passion for gadgets and mobile services. My other interests include digital media, speaking and teaching, photography, travelling, and dancing.

11 thoughts on “How to use a Nigerian debit card on Google Play store

  • Oct 18, 2016 at 10:21 am
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    It works but it is more expensive when it comes to billing if the address has been changed to us

  • Oct 18, 2016 at 12:42 pm
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    My VISA card was linked to my google wallet until it expired. I’ve tried adding both MasterCard and VISA card for several months now but it keeps saying “correct card info or try a different card”. 2 Different cards for 2 different accounts.

  • Dec 9, 2016 at 3:33 pm
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    please where I’m having issues is I can not
    add a billing method to my gmail account they said is for only admin account which I don’t have please explain further. if I’m getting it wrong explain further thanks

  • Jul 22, 2017 at 7:45 am
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    it works 100%, and i didn’t use a us number, all u need is a us address and zip code to change your billing address

  • Jul 22, 2017 at 11:45 pm
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    I had same issue. Used a US address and bingo. It worked.
    I advice u try it.

  • Oct 19, 2017 at 9:50 pm
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    Does this still work? Please somebody should help me with a US address to use please and zip code too. I have tried but didn’t know of any address to put. Thanks

  • Dec 26, 2017 at 7:30 pm
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    Hi…i just tried out the method you prescribed..changing my home country and address to US… And my naira mastercard was finally accepted by google play… I havent made purchase yet.. But I’m just so relieved that my card was accepted.. I sincerely hope it works when I’m ready to make purchases on Google Play Store

    • Dec 26, 2017 at 9:17 pm
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      It’s going to work but the charges are gonna be more expensive cos the conversion would be based on the black market rate. The best solution is to go and open UBA bank account, their MasterCard or Visa works on play store. That’s what I use.

  • Dec 26, 2017 at 11:39 pm
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    UPDATE…
    i just made a purchase on Google Play Store… And it worked…phew!
    Thank you so much for the advice.. Grateful.

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