Q: Guidelines for receiving payments to your USD bank account

Congratulations on setting up your new US bank account! <hr /> Please note the following: <ul> <li>Only ACH and Wire transfers are allowed when receiving funds.</li> <li>If a local US Address is required, the bank's address can be used as the recipient's.</li> <li>The maximum you can receive per transaction is $100,000 for 1st party deposits and $2,000 for 3rd party deposits.</li> </ul> ACH TRANSFERS <ul> <li>The Automated Clearing House (ACH) is an electronic funds transfer system that facilitates payments in the US. It is the local/domestic payment network used by banks within the US.</li> </ul> WIRE TRANSFERS <ul> <li>Wire transfers are a secure and efficient method to send or receive money domestically or internationally via SWIFT.</li> </ul>

Q: What are the fees and rates?

Here are the charges and fees attached to our USD account <ul> <li>You will be charged an activation fee of $5. This will be deducted from your first deposit to your account.</li> <li>You have to fund your account with a minimum of $5.</li> <li>You will be charged 1% on every deposit made into your account.</li> <li>There are no other fees charged to maintain or use your account.</li> </ul>

Q: How can I fund my USD account on Onboard?

To fund your USD account, you need to: <ul> <li>Login to your account</li> <li>On the home page, click on Account</li> <li>Click on the “+ Add” option</li> <li>Your new bank account details will be displayed on the screen, you can copy your details and initiate a transfer.</li> </ul>

Question 1

How can I add money to my virtual card?

Accepted Answer

Funding your card is super easy. Go to your card dashboard and click "Fund".

There are three ways to add funds to your card:

From a bank account (local currency):

Go to Cards → tap Fund on your card
Select your local currency (NGN, IDR, or KES)
Enter the amount you want to add
Send money to the bank details shown in the app
Tap I've paid — funds will reflect once confirmed

From an external crypto wallet:

Go to Cards → tap Fund on your card
Select USDT or USDC
Choose the network and send crypto to the address shown
Funds usually arrive within 5 minutes

From another Onboard balance:

Go to Cards → tap Move
Select the balance to move from (Cash, Trading Wallet, or another card)
Enter the amount and confirm — funds arrive in seconds

Funding fees:

Flex Card: 1.0%
Classic Card: 1.5%
Minimum: $1 | Maximum: $5,000 per transaction

| Tip: If you have multiple cards, swipe right on the card screen to find the one you want to fund.

Question 2

Guidelines for receiving payments to your USD bank account

Accepted Answer

Congratulations on setting up your new US bank account!

Please note the following:

Only ACH and Wire transfers are allowed when receiving funds.
If a local US Address is required, the bank's address can be used as the recipient's.
The maximum you can receive per transaction is $100,000 for 1st party deposits and $2,000 for 3rd party deposits.

ACH TRANSFERS

The Automated Clearing House (ACH) is an electronic funds transfer system that facilitates payments in the US. It is the local/domestic payment network used by banks within the US.

WIRE TRANSFERS

Wire transfers are a secure and efficient method to send or receive money domestically or internationally via SWIFT.

Question 3

What countries are supported for local bank withdrawals?

Accepted Answer

For local bank withdrawals, these are the countries we support at the moment:

Nigeria - NGN 🇳🇬
Kenya - KES 🇰🇪
Mauritius- MUR 🇲🇺
Ghana - GHS 🇬🇭
Uganda - UGX 🇺🇬
Indonesia - IDR 🇮🇩
Philippines - PHP 🇵🇭

Question 4

What are the fees and rates?

Accepted Answer

Here are the charges and fees attached to our USD account

You will be charged an activation fee of $5. This will be deducted from your first deposit to your account.
You have to fund your account with a minimum of $5.
You will be charged 1% on every deposit made into your account.
There are no other fees charged to maintain or use your account.

Question 5

How can I create a USD account on Onboard?

Accepted Answer

In todays world, having access to a USD account offers a multitude of benefits regardless of where you are in the world.

To create a USD account, you need to:

Download the Onboard app via https://www.onboard.xyz/
Create an account by filling in your personal data
Complete your KYC and your account will be verified.

Question 6

How can I fund my USD account on Onboard?

Accepted Answer

To fund your USD account, you need to:

Login to your account
On the home page, click on Account
Click on the “+ Add” option
Your new bank account details will be displayed on the screen, you can copy your details and initiate a transfer.

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