How to use a Nigerian debit card on Google Play store

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If you have been unable to pay for apps, content, and services using your Nigerian debit card on Google Play store, you are not alone. Many others face the same problem too. Here is what you need to do to rectify that situation.

I got an enquiry from someone having difficulty using his Nigerian debit card on Google Play store. “Why 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 is a recent one:

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

Here is how to change your home country to be able to use a Nigerian debit 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

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.

access bank prepaid VISA Card
How to use a Nigerian debit card on Google Play: Prepaid VISA cards work without issues.

Update: If you keep having issues with your bank’s debit card, request for a prepaid VISA card from them or from another bank. The keyword is VISA. From my experience, only VISA cards work without issues. Access Bank’s prepaid VISA card works for me. I just entered the details and was able to pay for the ad-free version of Photo Editor.

It cost me only N1,368.84. The developers deserve the cash. That is one app that I have used consistently over the years for image editing on my smartphone. I have been trying for years, without success, to make this payment, and I am glad that I finally did.

photo editor app by dev macgyver

You can use a prepaid/debit VISA card without having to switch your home country to the US. Your Nigerian address will work fine. You also do not need a domicillary account for this. The prepaid VISA card is attached to your Naira bank account.

Being able to use a Nigerian debit card on Google Play without any issues is a big boost and will give you access to paid apps and services that you would otherwise have not been able to purchase and use.


  1. 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.

  2. 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

  3. 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

  4. 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

  5. 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

  6. 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.

  7. UPDATE…
    i just made a purchase on Google Play Store… And it worked…phew!
    Thank you so much for the advice.. Grateful.

  8. Omg am so happy right now because I have been using my Nigerian address and it doesn’t go through so I tried your method by changing my address to United States and it worked like magic and am grateful. Thanks so much your post helped a lot.

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