Method 1: Nigerian Visa Prepaid Card

Status: Works, with conditions ✅

One of the easiest but costly funding methods to fund Skrill used by some Nigerians is a Visa prepaid card issued by a Nigerian bank.

When it works, card deposits are instant and credited to your Skrill balance immediately.

Nigerian Bank Card Recommendation: The best and recommended card for this is the UBA Dollar Prepaid Card. It works, only that the fee is quite interesting.

Fee: Skrill charges a deposit fee of up to 2.50 % for card funding of the deposited amount.

You can check other extra fees shown on your Skrill deposit screen before confirming the deposit.

Important conditions:

To try other bank cards, see the following remarks: 

• The card must be in your name – Skrill requires the cardholder and account holder to match.
• You must confirm and add the card to your Skrill account.
• The card must have international transactions enabled (most banks disable this by default – call your bank or activate via your mobile app before attempting).
• Virtual cards and prepaid cards are not accepted by Skrill.
• First-time card deposits require identity verification before the funds are credited.

Deposit limit: Skrill sets a deposit cap per card per day. Once you approach that threshold, you will be prompted to verify your Skrill account to increase it.

Also, if you are using the card for gambling transactions, it may incur a “cash advance” fee from your issuer, which is beyond Skrill’s control.

Method 2: Direct bank transfer (SWIFT)

Status: No longer available for Nigerians ❌

Skrill previously allowed direct bank transfers from Nigerian bank accounts via SWIFT.

This has since been discontinued for Nigerian users – a combination of Skrill’s regional policy changes and CBN restrictions on outbound e-wallet funding via wire transfer.

If you attempt this route, you will either find it unavailable in your Skrill deposit options or your Nigerian bank will decline the outbound transfer.

I wouldn’t recommend you attempt to force it through as returned wire transfers can take weeks to resolve and may attract bank processing fees. And Skrill can screw your account for multiple false attempts.

Method 3: Skrill-to-Skrill transfer ✅

Status: it works, instantly, and is free to receive.

The cleanest way to get funds into your Skrill account is to receive them directly from another Skrill user.

This happens in two main scenarios:

Scenario A – Receiving from a Forex Platform, Betting Site, or Employer

This is for those who want to withdraw their betting or Forex earnings to their Skrill balance.

If you earn through a forex broker (like XM, Exness, or HotForex), a betting platform (like 1xBet or Bet365), or a freelance client who has Skrill, they can pay you directly to your Skrill email address.

This is free to receive, instant, and the most reliable method since no Nigerian bank infrastructure is involved.

Scenario B – Receiving Earnings from Digital Platforms

This works, and it is one of the most reliable long-term methods.

As a digital earner working on a platform like upwork.com, if they have Skrill as one of their payment options, you will get paid to your Skrill balance directly without extra fees.

Also, if you are working on a personal project, a client may request Skrill as a payment option; all you need to do is drop your Skrill details for the payments – again, no extra fees for you.

Scenario C – Receiving Money from Friends & Families Abroad

This also works if a loved one is sending you money from abroad. No extra fees for you via the Skrill to Skrill method.

Scenario D – Buying Skrill funds from a legitimate Skrill Exchanger like fnfSwap

If you need to top up your Skrill account with DOLLARS IN MINUTES – for example, to fund a forex trading account, make an international purchase, or meet a minimum Skrill verification requirement, you can buy Skrill funds from fnfSwap.

All you need to do is tell us how many Skrill USD you need, and we will provide the rate to you.

You pay Naira from your Nigerian bank account, and fnfSwap transfers the equivalent dollar amount directly to your Skrill email address within 30 minutes.

This is the method most Nigerian Skrill users rely on in 2026, particularly those whose Visa cards are inconsistent or who need larger dollar amounts than their card limits allow.

Shortly, I will show you how to do it in real time – how a client is funded typically.

Fee for Skrill-to-Skrill transfers: Skrill charges 1.45% on the sending side.

When buying through fnfSwap, this cost is covered in the exchange rate – there is no separate fee charged to you on top of the naira payment.

Meaning, you don’t get charged extra fees. The exchange rate you are given covers the fees incurred by us.