Sell an H&M Gift Card in Nigeria and Ghana: What £100 to £500 Pays

An H&M gift card worth £500 pays ₦578,463 in Nigeria and ₵5,077.10 in Ghana on 25 October 2026. The smallest card the board quotes, £100, pays ₦115,693 and ₵1,015.42. Those figures came off giftcashng.com/rates this morning, so you can check them before you submit anything.

H&M sits seventh of the eleven pound cards on the board, not at the top. That doesn't make it a bad card to sell. It makes it a card where the face value you hold decides most of your payout, and where holding a £50 voucher is the real problem.

What a £500 H&M card pays today

H&M carries one pound band on the board, £100 to £500, at ₦1,156.93 and ₵10.15 per £1. The £100 and £500 rows below are the printed page values. The middle rows are the band rate multiplied by the face value.

The step from £100 to £500 adds ₦462,770 in Nigeria and ₵4,061.68 in Ghana. Nothing in that column jumps. Every extra pound adds the same ₦1,156.93, which is why a £300 card pays ₦347,077.80 and not a round ₦347,000.

Where H&M sits against the other pound cards

Eleven pound cards carry a printed rate right now. H&M is seventh by payout per pound, and it is seventh at every face value too, because it only has one band to move between.

Airbnb pays the most per pound at ₦1,236.71, and the three cards tied at the bottom pay ₦1,063.84. The whole spread is ₦172.87 per pound, just over 16 percent.

At £100 the gap turns into real money. An Airbnb card returns ₦123,671, H&M returns ₦115,693, so you give up ₦7,978 by holding H&M. Take a Currys card instead of H&M and you hand over another ₦9,309.

One row needs a footnote. Paysafe quotes two pound bands, and the figure above is its £50 to £500 band, which is the one a £100 seller lands in. Its £15 to £50 band pays a lower rate, so don't read ₦1,183.52 as a flat Paysafe price.

Why the H&M rate doesn't change with face value

H&M is a single-band card, so splitting one costs you nothing.

Two £100 cards return ₦231,386. One £200 card returns ₦231,385.20. The 80 kobo gap is rounding on the £100 row, where the page prints ₦115,693 but the band rate gives ₦115,692.60. In Ghana the two routes match to the pesewa at ₵2,030.84.

That detail matters if you're holding a stack. Five £100 H&M cards return ₦578,465 and one £500 card returns ₦578,463, a difference of ₦2. There's no bulk discount and no bulk penalty. The board prices each voucher against the band, and with a single band every route lands in the same place.

Compare that with the one4all card, which has a $10 to $100 band and a $100 to $500 band. There, the denomination you pick changes the rate you get, and the join at $100 is where sellers get caught out.

Can you sell a £50 H&M card?

No. The H&M band starts at £100, and the board only quotes what it will actually buy. A £50 H&M voucher has no printed rate. Neither does a £25 one.

Three of the eleven pound cards open at £100: Airbnb, H&M and Matalan. The rest take £50 or less, and Steam and Xbox take £10. So if you're holding a small H&M card from a UK trip, there's no printed rate to sell it against today. Keep it for a UK order, or pass it to someone who can spend it there.

There is also no dollar row for H&M. A US-issued $100 card has nothing on this board to quote against.

How the payout lands in Lagos or Accra

Submit the voucher, clear the balance check, then choose where the money goes. Nigerian sellers usually take a bank transfer to GTBank, Access or Kuda, or a wallet like OPay or PalmPay. In Ghana the route is MTN MoMo, Telecel Cash or AT Money.

Here's the sequence:

1. Enter the card type and the exact face value.
2. Check that the quote matches the H&M row you read on the rate page.
3. Submit the code, plus a photo of the card if the checker asks for one.
4. Receive naira or cedis, usually inside 15 to 30 minutes.

A first submission sometimes runs longer than 30 minutes, and any card that needs a manual check adds to the wait. The instant payout page breaks down which conditions slow a payment down.

If you sell often, read the Lagos and Accra city guides before you build a routine. The same £100 H&M card pays ₦115,693 in Lagos and ₵1,015.42 in Accra, and the rails behind those two numbers work differently.

H&M gift card questions

How much is a £100 H&M gift card in naira?

₦115,693 in Nigeria and ₵1,015.42 in Ghana as of 25 October 2026. That's the printed floor of the £100 to £500 band, so it's the figure a £100 seller actually receives, not an estimate.

Is H&M a good card to sell compared with Airbnb?

Airbnb pays more. At £500 it returns ₦618,357 against H&M's ₦578,463, a gap of ₦39,894. At £100 the gap is ₦7,978. H&M still beats Matalan, and it beats the three cards tied at the bottom of the pound table.

Do you accept a used or partly spent H&M card?

No. The balance has to be full and the code unused, because the buyer redeems it at face value. A part-spent card is rejected after the check, and you lose the wait.

Open the full rate board and read the H&M row for the exact face value you hold. Then start on the H&M card page, where the quote is tied to today's band. If you're weighing up other pound cards, the fashion card guide and the Matalan, Love2shop and Every-wish pages fill in the rest of that middle row.

Rates move daily. The numbers here hold for 25 October 2026, and the live board is the only figure that counts when you hit submit.