How To Cash Out Your Google Adsense Cheque In Nigeria

One of the greatest challenges Nigerian bloggers and online publishers who use the popular Google Adsense programme to make money on their websites and blogs face is withdrawing their monthly earnings from Google Adsense. This challenge was as a result of Google Adsense inability to pay Nigerian publishers via Adsense’ convenient and fast methods of payments like: The Electronic Fund Transfer, Direct Bank Deposit and Western Union Money Transfer. For years now, Nigerian publishers had been pleading with Google Adsense Team to please reconsider their decision not to pay Nigerian publishers via Western Union Money Transfer but to no avail.

I quite understand Google Adsense standpoint not to pay Nigerians via Western Union Money Transfer, but at the same time I feel it is not so fair to
judge an entire book by its cover- Nigerian online publishers (website owners, bloggers, third party site writers, freelance writers, etc) work so hard just like every other publisher around the world to earn their income online via Google Adsense programme, so I see no justifiable reason not to pay them through a convenient method that won’t put them in a tight corner. Anyway, this article is not meant to question Google Adsense on the reason why they blatantly refused to pay Nigerian publishers via Western Union Money Transfer, but to assist old and new publishers who earn money online using Google Adsense understand how they can cash out their Google Adsense monthly cheque in Nigeria.

How Do I Cash Out My Google Adsense Cheque In Nigeria?

Remember, before you can cash out a Google Adsense cheque in Nigeria, you must have a domiciliary account with a local bank in Nigeria.

In order words, let’s first look at how you can open a domiciliary account that will enable you cashout your Google Adsense cheque through cheque deposit.

What is a domiciliary account?

A domiciliary account, also known as a dom-account in short form, is a foreign currency account.

Benefits of a domiciliary account

With a domiciliary account, you can carry out most international bank transactions like- receiving of international bank fund transfer. What do I mean by this? It means that someone living in another country that is not Nigeria can transfer fund to your dom-account from his/her country of location. All the person needs is your bank account number and details, and then your bank swift code, which will be given to you the moment you open a dom-account with any local bank in Nigeria.

Another benefit of a dom-account is that it makes it possible for you to deposit international bank cheques into your account, just as you deposit a local cheque into your local bank account. This is why you need a dom-account to cash out your Google Adsense cheque in Nigeria.

How To Open A Domiciliary Account In Nigeria

You can open a dom-account with any local bank in Nigeria, but I would recommend GTBank and Fidelity because they are the ones I am quite sure of.

Requirements for opening a domiciliary account

An initial deposit of $100 USA currency or its equivalent in any other foreign currency you want your domiciliary account to be

A recent local utility bill- PHCN (NEPA) bill, Water bill, Waste Mgt bill, etc

4 normal colored passport photographs

A mode of identification, preferably- International passport, National Identity card, Drivers license, and Voter’s card

Final steps to open the dom-account

Let’s assume you want to open your dom-account with Fidelity Bank plc, all you need to do is to walk into any Fidelity bank plc branch office closest to you, ask for the customer care.

Talk to the customer care personnel that you want to open a domiciliary account.

Note: you will be asked to select the currency you want your dom-account to be or simply the base currency of your dom-account. Now remember, if you are opening this account basically for cashing out your Google Adsense cheques, then you must make sure that the base currency you choose for your dom-account matches with the currency you selected as your payment currency on your Google Adsense account payment details, else, you won’t be able to deposit your Google Adsense cheques on your newly opened dom-account.

What do I mean?

Let’s take for instance, you selected euro as your Google Adsense payment currency in your Adsense payment account details, and then you went ahead to open a dom-account with dollar as the base currency, definitely, you cannot be able to pay in your Google Adsense cheques into this dom-acccount because they are not in the same currency, which means you will need to open another dom-account in euro currency before you can pay in the Google Adsense euro cheque you received.

After talking to the customer care personnel, he/she will give you a dom-account opening form, kindly fill in the required information like you did when opening your local bank account, and after that, return the completely filled form back to the customer care together with your $100 or its equivalent euro or pound currency as your initial deposit, and wait for them to open and activate your dom-account, that’s it.

Alternatively, if you already operate an account with Fidelity bank for instance, you can activate a dom-account using your existing savings/current account with them without having to deposit any $100 or its equivalent in any other foreign currency you want your dom-account to be.

Steps To Cash Out Google Adsense Cheque In Nigeria

Below is a sample of Google Adsense cheque sent to me, I attached it to give you a feel of how Google Adsense cheque looks like in case you see one.

Note: I am assuming that you have already opened a dom-account following the steps I narrated above, and I am also assuming that you have already received or about to receive your first Google Adsense cheque, and now ready to convert it into Nigerian naira.

Step one:

Walk into any branch of the bank you opened your dom-account with, remember to go along with your Google Adsense cheque. Go to where they deposit funds and tell the personnel in charge that you want to deposit a foreign cheque. You will be given a deposit slip to fill.

Step two:

Fill in the deposit slip as required, and then return it with the cheque back to the cash collector, and that’s it.

An equivalent amount of money written on the cheque will reflect in your dom-account within two to three weeks of deposit, but you will be charged a processing fee because Google Cheques are only payable through Citi Bank, so it is the duty of your chosen local bank to process and clear the cheque through international cheque clearance order to be able to pay you the money written on your Google Adsense cheque. The processing fee varies from bank to bank.

If you have any question on how to cash out your Adsense cheque in Nigeria or any other related question, please feel free to ask anytime any day. Wishing you the best of good luck in your online business endeavor.

© 2012 Ngozika Nwiro. All rights reserved.