As a freelancer in Nigeria, we know the kind of work you put in before seeing those dollars land in your Payoneer account. Whether you're grinding through projects on Upwork, serving gigs on Fiverr, or delivering top-notch services directly to clients outside freelancing platforms — getting paid feels good. But getting your money into your Nigerian bank account? That’s a whole other journey.

Once the funds hit your Payoneer USD balance, the big question becomes:

How do I convert this to Naira quickly, safely, and at the best rate?

Payoneer itself allows you to withdraw directly into your Nigerian bank account, and while that’s nice in theory, there are a few things freelancers quickly discover:

🟡 The rates Payoneer offers are... not exactly friendly. Let’s just say they don’t reflect the true market value of your hard-earned dollars.

🕒 Transfers can take a while — especially over weekends or holidays. Sometimes even days.

This is where Swifo comes in.

Why Swifo?

Swifo is a trusted third-party platform built specifically for Nigerian freelancers. We help you convert your Payoneer funds to Naira — at excellent rates, and with payout speed that takes seconds, not hours.

We're here to make that final step of your payment journey as smooth as possible.

How to Convert Payoneer to Naira with Swifo

Here’s how to get started in just a few simple steps:

1️⃣ Sign up or sign in
Head to Swifo.co, create an account (or log in if you already have one), and complete any necessary verification steps.

2️⃣ Select “Payoneer Transfer”
Once you're inside your dashboard, you’ll see a list of available e-wallet services. Click on ‘Payoneer Transfer’.

3️⃣ Fill out the Order Form
You’ll be directed to a form where you can:

⚾ Enter the amount you want to convert

⚾ Instantly see how much you'll get in Naira

⚾ Add or select your Nigerian bank account

⚾ Click Proceed

4️⃣ Send Your Payoneer Funds
The page will display the Payoneer email address to send your funds to. Once you’ve sent the money from your Payoneer account, click ‘I have paid’.

💬 Real-time Chat Support:
On the same order page, there’s a chatbox where you can track the progress of your order and chat directly with a Swifo admin for help.

5️⃣ Get Paid in Minutes
Once your payment is confirmed, your Naira balance is instantly credited to your selected bank account. You’ll also have the option to complete the order after confirming receipt.

✅ All of this can happen within 5–10 minutes.

Safe, Fast, Reliable - Always

We know how important trust is when it comes to your earnings. That’s why Swifo has built a reputation as one of the safest and most dependable third-party platforms for freelancers in Nigeria.

We don’t just move your money — we protect your peace of mind.

Your creativity and hustle bring in the dollars. Swifo makes sure you enjoy the rewards — without delay, confusion, or lowball exchange rates. Whether you're a seasoned freelancer or just starting out, converting Payoneer to Naira in Nigeria has never been easier.

Try it today at Swifo.co  and experience the difference.