How to open a USD Account from anywhere

Open a real USD account - no U.S. passport needed

You just landed a $5k gig. The client asks for your USD account, but you don’t have one. The last platform you used banned you without a clear reason - maybe for your country, maybe something else.

All you know is: it shouldn’t be this hard to get paid.

Onboard fixes this.

A real USD account, in your name, from anywhere. No hoops. No hidden fees. Just an account that works.

What you get with your Onboard USD account

A personal USD account number (with your name on it)
Receive payments via ACH and Wire
Fund via crypto or local currency (NGN, KES, IDR, etc.)
Withdraw to your local bank or mobile wallet, no middlemen
Store your USD balance, or move it to your card for online spending, or to your trading wallet for crypto.

How to open your account: step by step

Getting your USD account up and running takes just a few minutes. Here's what to do:

Download the Onboard app [iOS or Android]
Sign up with your email - you'll get an OTP to verify
Next, set up your login passcode
Pro tip: set up a passkey for extra security and convenience. Your future self will thank you.

2. Open your USD account

Step 1: Complete Basic Verification (Takes < 5 minutes)

From your dashboard, tap Accounts → USD Account → Set up
Fill in your name, phone number, and address
Then upload your ID and selfie

Once approved, your USD account is live - and ready for stablecoin/local currency deposits. No ACH/Wire Access yet.

Step 2: Upgrade Your Verification (recommended)

To unlock ACH/Wire and receive payments with your own USD bank details, you’ll need to upgrade your KYC.

Submit proof of address + ID number
Fill a short questionnaire: employment, source of funds, account purpose.

Once verified, you’ll then get full USD account access - in your name.

A one-time $5 activation fee will be charged on the first USD deposit to your account.

If you hit any snags trying to verify your account, our support team has your back. Simply reach out to us (support@onboard.xyz).

Fund and withdraw with your USD account

Once your USD account is active, getting money in and out is straightforward. From your wallet screen, tap "Add" to see your options:

Your funding options:

USD bank transfer: Perfect for client payments via ACH or wire transfer
Cash transfer: Fund with your local currency like NGN, KES, UGX, BRL, IDR, and many more.
External wallet: Add USDT or USDC (BNB Smart Chain, Ethereum, Polygon, or Tron)
Onboard Pay: Fund with EUR from an external bank account

What you can do with your funds:

Withdraw to USD or EUR accounts
Send to your bank or mobile money account at competitive rates
Transfer USDT or USDC to external wallets
Load your virtual card for online spending
Keep your dollars safe and stable

Fees, limits & timelines

No surprises, or hidden markups. Here's exactly what you'll pay:

Fees:

One-time $5 activation fee - charged on the first ACH/Wire deposit
1% transaction fee
Additional $20 fee for deposits via Wire
$5 minimum deposit

Transfer limits per transaction:

First-party deposits - like your own account, family member, or a business - can go up to $100K.
Third-party deposits from individuals are limited to $2,000.

Need help with any of these? Reach out to support (support@onboard.xyz).

Your money, moving at the speed of your life

No more juggling multiple apps, explaining your income to banks, or losing money to ridiculous FX markups.

Just your money, in one place, working as globally as you do.

Ready to take control? Download the app, and get your Onboard account in minutes.

Updated on: 19/07/2025

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