Hold, receive, and manage US Dollars from Nigeria.
Built for remote workers, freelancers, creators, and export businesses. Get real foreign bank credentials to receive payments from international clients and employers without dollar shortages.
Engineered for Speed, Built for Trust
Experience friction-free financial tools with zero hidden catches.
Dedicated US Bank Credentials
Receive your own routing number and account number in your name, powered by licensed US partner institutions.
Direct Platform Withdrawals
Link your PlutoPay USD account directly to Upwork, Fiverr, Deel, Remote.com, Stripe, PayPal, and Google AdSense.
Instant USD to Naira Conversions
Convert your dollars to Naira on your own terms at real-time parallel market rates whenever you choose.
Hedge Against Currency Devaluation
Protect your savings against domestic inflation by keeping funds securely denominated in stable US Dollars.
Zero Account Maintenance Traps
No monthly account keeping fees, no minimum deposit balances, and no surprise charges at month-end.
Bank-Grade Compliance
Strict adherence to FinCEN and CBN regulatory guidelines with automated AML screening and fraud surveillance.
How It Works in 3 Simple Steps
Get started in under two minutes with your phone.
Complete 2-Minute KYC
Verify your identity in the PlutoPay app using your BVN or NIN and international passport or national ID.
Get Account Details
Your US routing number, account number, and bank address are provisioned in your name instantly.
Receive Global Payouts
Paste your details into Upwork, Deel, or your client’s payroll system and receive dollar ACH and wire payments.
Frequently Asked Questions
Everything you need to know about this feature.
Can I receive ACH and domestic wire transfers from the US?
Are there monthly account maintenance fees?
How fast can I convert USD to Naira?
Ready to experience money in motion?
Join thousands of Nigerians taking complete control of their local and international finances with PlutoPay.
Download PlutoPay Now