Are you a TikTok creator in Nigeria struggling to cash out your earnings because you don't have a PayPal or Payoneer account? You're not alone, and there are solutions.

In this guide, I'll show you four alternative methods to withdraw money from TikTok without needing a verified PayPal or Payoneer account.

First, a crucial warning:

"Avoid withdrawing your TikTok earnings to an unverified PayPal or Payoneer account."

If you attempt to withdraw to an unverified account, your funds will likely be held, leading to endless verification requests and indefinite delays.

Ensure that any PayPal or Payoneer account you use is verified. With that in mind, let's explore four alternative ways to withdraw money from TikTok in Nigeria without Payoneer or PayPal.

1. Reach Out to a Trusted Relative Abroad

If you have a trusted friend or family member living abroad with a verified PayPal account, ask for their help. They can withdraw your TikTok earnings to their account, and then transfer the funds to you. Make sure their account is verified to avoid issues.

2. Use Reputable Services Like Ratefy

Ratefy is a reliable company that helps Nigerian creators withdraw money from TikTok quickly and securely. They provide a verified PayPal service and can transfer the equivalent amount to your local bank account in less than 15 minutes. Visit [www.ratefy.co](http://www.ratefy.co) to use their secure payment services without Payoneer or PayPal.

3. Consider Online Exchangers

Online exchangers can provide verified PayPal and Payoneer accounts for your TikTok withdrawals. However, be cautious—many are unverified and could be scams. Ensure any exchanger you use has a verifiable online presence and a proven track record. Opt for reputable companies to safeguard your earnings.

4. Create a Payoneer Account With Your Parent

If you're uncertain about your account's verification status, consider using a parent to open a new Payoneer account. Verify that your parent has a voter’s card, then open the account in their name and complete the verification process. This will give you a verified Payoneer account to use for your TikTok withdrawals.

For more details, watch this video: [Learn more here](
https://www.youtube.com/watch?v=1ojufqXTvuw?si=-Xvj4viEncdJRApG).

Recommended Option:

Ratefy.co has proven to be a trustworthy partner for many TikTok creators in Nigeria, facilitating millions of naira in withdrawals. For a quick and secure way to withdraw your earnings without PayPal or Payoneer, Ratefy.co offers live exchange rates and a seamless process.