For 26years (1994-2020), a domiciliary account is characterized by receiving payment in just five currencies; the US Dollar, British Pound Sterling, the French Franc, the Deutsche Mark, the Swiss Franc. Covid-19 popularized remote work globally “Naija no dey carry last” so receiving money in USD meant one thing for Nigerians: opening a domiciliary account at the bank.
But that process is not only stressful, it’s outdated. Between long queues, strict requirements, minimum deposit mandates and inconsistent Foreign Exchange policies, it’s no wonder many people are asking:
“Is there an easier way to receive dollars in Nigeria?”
Yes, there is and you can achieve this on Vitalswap with no bank visits, no paperwork and no stress.
Why Traditional Domiciliary Accounts Are a Hassle
Let’s be real:
Opening a domiciliary account in Nigeria today often requires:
- Two referees with current domiciliary accounts
- A valid ID and utility bill
- Minimum opening balances (often $100+)
- Multiple bank visits
- Long approval wait times
Even after opening one, you still have to:
- Visit the bank to withdraw
- Meet the requirements to source FX on your own
- Deal with transaction limits or delays
It’s not built for today’s fast-paced, digital world especially for freelancers, creators and remote workers.
The New Way: Get a USD Bank Account with VitalSwap
VitalSwap now gives you access to a USD bank account without going through a traditional bank.
What You Get:
- A personal USD account number
- Can receive payments globally
- Works with PayPal, Deel, Upwork, Fiverr, Wise, etc.
- No referees or minimum deposit needed
- No hidden fees
This account is powered by licensed global partners, so it’s safe, verified and secure.
How It Works
Step 1: Download the VitalSwap app on Android or iOS
Step 2: Sign up and verify your identity
Step 3: Request your USD Bank Account for free
Step 4: Receive your account number and start receiving USD globally
You’ll get notified once the money lands, and you can:
- Convert it to Naira instantly
- Hold it in your USD Wallet
- Withdraw to your local bank
- Use it to fund your Freedom Card
Who Is This For?
This USD account is perfect for:
- Freelancers working on Upwork, Fiverr or Toptal
- Remote workers paid in USD
- Affiliate marketers and content creators
- Businesses receiving international client payments
- Anyone tired of banking stress
Real Story: Tobi the Freelance Developer
Tobi used to wait 3–5 days for USD from Upwork to land in his Nigerian bank. Now, with his VitalSwap USD account, he gets paid in hours, converts at a great rate and funds his card instantly, all from his phone.
Benefits You Don’t Get at the Bank
- No paper forms or referees
- Fast account creation
- Lower conversion rate
- 24/7 support via the app
- More control over your money
Ready to ditch the domiciliary account stress?
Create your USD Bank Account today on the VitalSwap app.
Receive dollars, your way—fast, simple and fully digital.
