Get paid in USD · convert to NGN
Get paid in US dollars in Nigeria.
In Nigeria, freelance and remote income is almost always in US dollars — but converting straight to naira at bank rates, in a volatile market, quietly eats your pay. A US-dollar account lets you hold dollars and convert to naira only when the rate suits you. Open the account from Nigeria with no US company, get paid in US dollars into an account only you control, then convert to Nigerian nairas at the mid-market rate or send to 191 countries.
Getting paid as a company? See business accounts →
Updated · Reviewed by Joyce Chin, Chief Operating Officer & Compliance Officer
Payment received
From a client · ACH
$4,200.00
- Account holder
- Amara Okafor
- Account number
- 8829 3310 42
- ACH / wire routing
- 540 1002 60
Example — you get your own account and routing number when you open.
No US company
open from Nigeria
In your own name
only you can move it
$0 to open or hold
no monthly fees
Convert to Nigerian nairas
mid-market rate
How to get paid in US dollars in Nigeria
Open a Poplin account from Nigeria
Sign up and verify your identity — free, no US company needed. Identity verification applies, and Nigeria needs some additional checks at signup.
Get your US account and routing number
Your US-dollar account comes with its own US account number and routing number, so clients can pay you exactly as they would pay a US bank account. The US-dollar account is available in 214 countries, Nigeria among them.
Get paid in US dollars
Give those details to your clients, employers, or platforms. The dollars land in your Poplin account, and only you can move them — Poplin can’t spend, move, or freeze your balance.
Convert to Nigerian nairas or send
Hold your balance in US dollars, convert to Nigerian nairas at the mid-market rate with no markup and pay out to a bank in Nigeria over NIP, or send to a bank account across 191 countries.
Getting paid in Nigeria — FAQ
Eligibility
Can I get paid in US dollars in Nigeria without a US company?
Yes. A Poplin account is in your own name — not a US entity — and comes with a US account number and routing number, so clients, employers, and platforms can pay you in US dollars the same way they pay any US bank account: by ACH, the US bank-transfer network, or by wire from abroad. You can open it from Nigeria; identity verification applies, and Nigeria needs some additional checks at signup.
Convert
How do I move my dollars to a bank account in Nigeria?
Convert your US dollars to Nigerian nairas at the mid-market rate with no markup and pay out to a bank account in Nigeria over NIP, arriving in real time for 1% + $1.00 on a personal account. The exact amount is shown before you confirm.
Currencies
What currencies can I be paid in?
On a personal account you can be paid in USD and AED; a business account can also be paid in USD, EUR, and AED. US dollars reach the furthest — most clients and platforms pay in them.
Cost
What does it cost to get paid in Nigeria?
Receiving is 1% on a personal account, plus a $5.00 fixed fee on AED, with no account or monthly fees. Converting to Nigerian nairas is at the mid-market rate with no markup, and the fee is shown before you send.
Safety
Is my money safe?
Your funds sit in your own account — not pooled, and never in Poplin’s hands. Poplin can’t spend, move, or freeze your balance; your account is secured with a passkey. Poplin is a service of Maash Inc., which is registered with FinCEN as a Money Services Business.
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Get paid in US dollars in Nigeria.
Open a USD account in your own name — no US company, no monthly fees.