USD Bank Accounts that Works

Unlock the Power of a Cardify USD Account in Three Steps

Create your Cardify account

Create your Cardify account in minutes to access USD banking, and seamless instant swaps.

Complete KYC/KYB

Complete your KYC/KYB to unlock full access to your Cardify account, including USD ach account and higher limits.

Get your USD account

Get your personal USD account to receive payments globally via ACH or wire—perfect for freelancers, remote workers, and businesses.

Open a US-based dollar account in your name to receive USD payments.

Open a US-based dollar account in your name and start receiving USD payments from anywhere in the world. Ideal for freelancers, remote workers, and businesses looking to get paid globally with ease.

Our USD Bank Account Features

Receive USD payments via ACH or wire transfers from clients, employers, investors, or platforms like Upwork, Deel, Amazon, and more.

Easy to
Setup

Setting up your USD Business Account is simple—follow our step-by-step process for a smooth start. Get Started

Bank Grade
Security

FDIC‑insured protection for your funds and transactions—so you can run your business worry‑free. Get Started

Flexible
Access

Access and manage your finances anytime, anywhere with our online banking platform—your account is always at your fingertips. Get Started

Dedicated
Support

Need help or have questions? Our support team is here to assist you with any query or issue—anytime. Get Started

Receive payment globally from Nigeria.

Receive USD funds via ACH or wire transfers—from clients, investors, employers, or platforms like Upwork, Deel, and Amazon.
FAQs

Frequently Asked Questions

We have compiled common questions to provide you with more information and enhance your overall experience. Ask something else

Cardify Virtual US ACH Accounts are U.S.-based dollar accounts you open entirely online—no branch visit needed. After approval, you get unique ACH routing and account numbers that act like a standard U.S. bank account. Share those details to receive USD deposits from any U.S. payer.

Just give the sender your ACH routing and account numbers. They can initiate:
  • ACH transfers (e.g., payroll, direct deposit)
  • Platform payouts (Upwork, Deel, Amazon, etc.)
  • Funds arrive directly in your virtual account—typically with zero incoming fees.

Once USD lands in your ACH account, you can:
  • Convert on‑demand to NGN (or USDT) at Cardify’s live market rates, then send Naira to your local bank for free.
  • Hold USD in your account if you prefer dollar savings.

Enjoy zero incoming fees on ACH deposits from major platforms, benefit from instant, market‑rate currency conversion with no hidden markups, and make free NGN transfers once you convert to local currency. Setup and manage everything 100% remotely via our dashboard or app, with built‑in KYC/KYB compliance tailored for freelancers, entrepreneurs, and businesses.
testmonials

Hear What Others Say

Discover what our valued clients and partners have to say about their experiences working with us.
T C Wanyanwu
September 02, 2023
I was able to make payment on Twitter, Instagram and Facebook ads using this service. Still the best for now.
Rachee
November 09, 2023
There vCard works fine on Strip payments, Apple store, Amazon store, and the likes.✅ I had little issue when onboarding and the support team swift into action and resolved it fine.👍 The team is spot on.👌
Rachee
February 17, 2024
This app is really good it gives me a dollar card that I can use to pay for all of my transactions in Glovo, Google and spotify. The only problem is that you can't withdraw from the card except you spend from the third party app
Felix Olusegun Okunnusi
January 29, 2024
Cardify Africa just helped me solve my inability to make international payment. I generated the dollar card and linked it with PayPal within seconds. Now I was able to pay my foreign university fee.It was a wonderful experience.
Paul B
August 30, 2023
Cardify delivers on its promises. Crediting my Naira wallet was instant, and funding the card happened without a hitch. Made purchases on AliExpress and Udemy with the card, both of which was seamless.
Adi Keyz
October 28, 2023
Wow, I am so glad right now, I just made payment for Google Console Account with the Cardify Virtual master card and the payment went on smoothly. This is the best virtual card I have ever come across, with a good customer support. I encourage you to use Cardify Virtual Dollar Card
Mubarak Garba
September 02, 2023
You find trouble paying your bills? Use Cardify, the number one trusted and accessible.
Thanks to Cardify for showing your great concern.
Popular platforms
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Cardify cards are used daily to pay on these platforms.

Users of Cardify use our mastercard and visa card to make payments on these sites daily.
  • Low Charges
  • Always in sync
  • Usage alerts
  • High success rates
  • Track your spendings

Steps to create and fund a dollar card

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