If you’re trying to pay a business partner, support family, or simply move your own funds, knowing how to send USD from the USA to a Nigerian domiciliary account the right way can save you time, money, and unnecessary stress.

Here, you’ll learn how USD transfers to Nigerian domiciliary accounts work, the challenges involved, and how platforms like Grey make the entire process smoother, faster, and more affordable.

What is a domiciliary account?

A domiciliary account (or “dom account”) is a type of bank account in Nigeria that allows you to receive and hold foreign currencies like USD, EUR, and GBP. It’s useful for freelancers, importers, businesses, and anyone receiving money from abroad.

Unlike regular Naira accounts, domiciliary accounts let you:

• Receive international wire transfers in foreign currencies
• Fund the account via cash deposits or international transfers
• Access the funds without automatic conversion to Naira

These accounts are available at many Nigerian banks.

Also read: Sending USD from Nigeria to the USA: Step-by-step guide

Can you send USD directly to a domiciliary account from the USA?

Yes, you can — but there are a few conditions to get it right.

To send USD from the US to Nigeria, you’ll need to:

1. Send via a SWIFT wire transfer

2. Use the correct bank details, including:

• The recipient’s full name (as registered with the bank)
• The domiciliary account number
• The SWIFT/BIC code of the Nigerian bank
• The bank’s name and branch (optional but helpful)
• The bank’s correspondent bank in the US (sometimes required)

Note: Not all US banks support international SWIFT transfers to Nigerian banks, and some may restrict transfers to certain regions.

Also read: How to open virtual bank accounts for freelancers outside the USA

Challenges with traditional bank transfers

Sending money from the US to a Nigerian domiciliary account using traditional bank transfers can come with:

• High fees: International wire transfers through traditional banks are expensive.
• Slow processing: Transfers may take 3–5 business days, depending on the banks involved.
• Exchange rate losses: Some services convert USD to Naira by default, reducing the value of the transfer.
• Compliance barriers: Increasingly strict financial regulations may result in delays or cancellations without proper documentation.

This is where Grey becomes a much smarter alternative.

How to send USD from the USA to Nigeria with Grey

Grey is a global payment platform built to simplify cross-border money transfers. It lets you send, receive, and manage multiple currencies from anywhere in the world.

Why Grey is ideal for USD transfers to Nigeria

• No high SWIFT fees
• Faster delivery: Most transfers settle within minutes
• Local currency support: You can send USD directly to a Nigerian domiciliary account or convert and withdraw in Naira
• Transparent rates and low fees
• Digital onboarding with no paperwork

Also read: Cheapest way to send USD from the USA to Egypt

Steps to send USD from the USA to a Nigerian domiciliary account using Grey

Create a Grey account

Sign up for free on the Grey website or download the app.

Verify your identity

Upload a valid ID, proof of address, and a selfie. This ensures compliance and secure transactions.

Fund your USD account

Use a connected bank account, card, or crypto option to add funds to your USD account on Grey.

Send money to Nigeria

• Go to the “Send” section of your dashboard
• Choose “Send to bank account”
• Select “Nigeria” as the destination
• Input the recipient’s domiciliary account details (USD account number, bank name, SWIFT code)
• Confirm and authorise the payment

What about Naira accounts?

If your recipient doesn’t have a domiciliary account, you can still send USD using Grey. The platform allows you to:

• Send USD from the US
• Convert at competitive rates
• Withdraw in Naira to any Nigerian bank account

There’s no need to worry about conversion delays or FX limits. Grey handles everything securely and transparently.

Also read: Cheapest and fastest way to send money from the UK to Nigeria

Sending USD from the US to Nigeria doesn’t have to involve complex forms, long queues, or high bank fees. With Grey, you get a digital-first, borderless solution that puts control back in your hands.

Create your Grey account today or download the app to enjoy inclusive global banking, designed to carry your dreams across borders.

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