Are you trying to receive dollars from abroad without dealing with the stress of traditional banks?
Slow processing time, endless documentation, and domiciliary account requirements.
In 2026, you don’t need to rely on that system anymore.
In this article, I break down the 7 best apps you can use to receive dollars from anywhere in the world, ranked by ease of use, fees, speed of conversion to naira, and overall reliability.
My 7 Best Apps to Receive Dollars in Nigeria (2026)
These ratings are based on fees, app stores ratings, and feedback from users online.
- Karsa - Recieve and earn up to 4.5% in dollars
- nsave - Most affordable with more features
- Cleva - Popular among freelancers and remote workers
- Raenest - Designed for individuals and businesses
- Grey - Receive USD, EUR, and GBP
- Accrue - Popular among crypto users
- Graph - Great for receiving dollars as a business.
Disclaimer: The information provided in this article is for informational purposes only and does not constitute professional financial or legal advice. These rankings are based on the author’s personal testing, real-time customer reviews, and available market data for 2026; however, please be aware that fintech platforms and Nigerian exchange regulations are subject to frequent updates that can alter fees, features, or account stability at any time. Monierate strongly recommends performing your own due diligence and verifying current terms directly with the service providers before transacting, as we are not liable for any financial losses or service interruptions.
1. Karsa — Recieve and earn up to 4.5% in dollars
App Rating: 4.1
Karsa is a 2026 standout who focuses on shielding you from inflation. It offers a fresh approach to USD accounts with a focus on simplicity, smooth transfers, and while still offering high-yield returns on your funds.
Pros
- 4–5% yield on dollar balances tied to US Treasury rates.
- Free virtual USD card for international shopping.
- Receive stablecoins directly into your wallet.
- Very modern, fast-loading mobile app.
Cons
- Shorter track record in the market compared to nsave or Cleva.
- Some features are still being rolled out in specific regions.
2. nsave — Most affordable with more features
App Rating: 4.3
nsave is one of the hottest dollar apps on the internet right now, as it offers a premium layer of security by providing you with Swiss-regulated and UK partner accounts for security purposes. Not just a dollar account.
If you are handling large sums and prioritise safety over speed, this is your go-to.
Pros
- Funds are stored in highly secure Swiss-regulated accounts.
- Provides a Mastercard for global spending.
- High transaction limits for verified users.
Cons
- Onboarding and KYC verification are significantly more rigorous.
- Transfer methods may occasionally change due to updates from partner banks.
3. Cleva — Popular among freelancers and remote workers
App Rating: 4.8
If you are a freelancer looking for the best platform to receive your funds. Cleva has become the gold standard in 2026 as it offers you the ease of being credited from platforms like Upwork, Fiverr, or remote employers.
It is built to be a simple, no-nonsense portal to the US banking system.
Pros
- Industry-low 1% deposit fee for ACH transfers.
- Highly reliable virtual US accounts (ACH and Wire).
- “Cleva Points” reward system that can be converted to real cash.
- Instant conversions from USD to Naira at competitive market rates.
Cons
- User interface is functional but lacks the “premium” feel of competitors.
- Occasional delays in local Naira payouts during peak hours.
4. Raenest — Designed for individuals and businesses
App Rating: 4.5
As a freelancer, getting paid quickly and without stress is everything. Raenest, formerly known as Geegpay, has quickly become one of those platforms you don’t want to work without. It helps you receive your money faster directly into your account, and you can use it to collect payments from clients on Upwork, Fiverr, and other freelance platforms.
Pros
- Receive payments from Upwork and other freelance platforms in less than one hour, including weekends.
- Open dedicated USD, GBP, and EUR accounts in minutes.
- Access to free resources like invoice templates and pitch decks to help you land more clients.
- Enjoy up to 4 free deposits every month for your foreign accounts.
Cons
- The “Tiered” KYC system can be strict for high-volume accounts.
5. Grey — Support USD, EUR, and GBP
App Rating: 4.3
Grey (formerly Grey.co) is one of the solid platforms to use as it provides unique banking details for the US, UK, and Europe all in one dashboard.
Pros
Offers USD, GBP, and EUR virtual accounts.
Excellent for receiving payments from European and British clients.
Clean, intuitive app experience.
Cons
- Slightly expensive exchange rates.
6. Accrue — Crypto friendly
App Rating: 4.5
This is one of the best apps to make international payments.
Pros
Excellent and responsive customer support
Earn up to 7% annual interest on your dollar balance.
Personal USD bank accounts for easy receiving.
Supports funding and withdrawals via stablecoins (USDT/USDC).
Cons
- The app’s focus on savings might feel cluttered for those only wanting a simple transfer tool.
7. Graph — Great for receiving dollars as a business
If you run a business and want to receive dollars from abroad. Graph is the best as it offers a “business-first” solution for 2026. It is built for agencies, startups, and social sellers who need more than just a personal wallet.
Pros
Advanced treasury management and payment links for businesses.
High-limit virtual cards specifically for business ads and SaaS tools.
Fast B2B payouts and multi-currency business accounts.
Cons
Built for businesses, so it may feel too complex for casual personal use.
Stricter documentation requirements (KYB) for business entities.
Fee comparison table: Best Apps to Receive Dollars in Nigeria (2026)
| App Name | Account Creation Fee | Deposit Fee (ACH & Wire - SWIFT) | Conversion Rate & Fee (USD to NGN) | Withdrawal to Naira Bank Account |
|---|---|---|---|---|
| Karsa | Free | 1% (ACH & SWIFT) | Rate: ₦1,367 / Extra Fee: None | 0.8% |
| Cleva | Free | ACH: $1 for deposits < $300; $3 for deposits > $300. Wire (SWIFT): $10 flat. | Rate: ₦1,372 / Extra Fee: None | Free |
| Grey | Free | ACH: 0.8% (min $2, max $10). Wire (SWIFT): $20 flat. | Rate: ₦1,321 / Extra Fee: 0.5% capped at $2.7 | Free |
| Accrue | $3 | ACH: 1% (min $1.50). SWIFT: Not supported. | Rate: ₦1,326 / Extra Fee: None | 1% capped at $1 |
| nSave | Free | Free | Rate: ₦1,380 / Extra Fee: None | Free |
| Raenest | Free | 4 free deposits/month, then — ACH: $1 flat. USD Wire: 0.8% (min $1.5, max $10). SWIFT: 0.8% (min $7, max $10). | Rate: ₦1,398 / Extra Fee: 0.7% capped at $2.7 | Free |
| Graph | Free | — | Rate: ₦1,330 / Extra Fee: None | — |
Which App Should You Use?
The best app for you really depends on what matters most to you when receiving payments from abroad. Since most of these apps offer similar features and aim to achieve the same goal, there are subtle differences that define your experience. Choosing the right one just comes down to what works best for your lifestyle.
If you want to receive dollars and earn interest at the same time, Karsa is a great choice. The platform allows your dollars to grow right inside your wallet, and you can easily transfer your funds to a Nigerian bank account whenever you need to.
If you are a freelancer or remote worker on platforms like Upwork and Fiveer, I recommend using nsave, Cleva or Raenest. You get that speed feature that puts money in your pocket in under an hour, or you can stick with nsave to get a solid rate.
Grey and nsave too is a solid choice if you want that “global citizen” feel, especially if you deal with British or European clients and need multiple IBANs in one place.
On the other hand, Karsa and nsave is better suited if your focus is on absolute security and you want the peace of mind that comes with safe banking for your larger dollar holdings. If you’re running a business or agency, Graph gives you the professional tools to manage your team and payments at scale.
All seven platforms listed here are tested and trusted by Nigerians in 2026. The right choice comes down to how you receive money, how fast you need it delivered, and how much control you want over your dollars.
Thank you for reading.