Cleva
A US-based USD account for non-US residents to receive ACH and wire payments, hold dollars, spend with a virtual card, and convert to local currency.
Cleva Product Overview
Is Cleva Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Freelancers paid in USD
- Remote workers
What It Does Well
- US-based USD account
- Receive ACH and wires
Things to Check
- ACH vs wire fees
- Payout processing time
About Cleva
Cleva is a financial app that gives non-US residents, including African freelancers and businesses, a US-based USD account in their name to receive and manage dollar payments from global clients and platforms.
Key capabilities include:
- USD account for ACH and wire receipts: Receive USD via ACH or wire transfers from employers, clients, investors, and platforms such as Upwork, Deel, and Amazon.
- Virtual USD card for online spending: Create a virtual dollar card for global online shopping, and earn Cleva Points on transactions that can be redeemed for USD.
- Currency conversion and payouts: Convert USD to local currency when needed, and send free transfers to local bank accounts.
- Internal transfers and rewards: Send free, instant Cleva-to-Cleva transfers, plus a referral programme that pays $5 per successful referral.
Available on Web, Android, and iOS.
It is designed for freelancers, remote workers, contractors, digital nomads, startups, and businesses in Africa that need a practical way to receive USD and move money to local banks.
Cleva is notable in the African fintech market for focusing on USD payouts for cross-border work, offering capped fees and 24/7 support, and for its compliance posture, with funds processed by licensed US-based financial partners and MSB registration with FinCEN. It has also been featured by Y Combinator, with reported pre-seed funding coverage in African tech media.
Cleva Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataAs of Oct 5, 2026, Cleva is rated 4.7 on the App Store from 1.5K reviews and 4.7 on Google Play from 10K reviews with 1M+ installs.
Recent Reviews for Cleva
Reviews reflect each reviewer's opinion. Companies cannot pay to alter or remove reviews. A verified review includes proof that Liners checked to an extent. Learn how reviews workHow is the score calculated?
Every product starts at a 3.5-star baseline worth 7 reviews. Each approved review pulls the score toward the real average, so a product with one 5-star review shows about 3.7.
Learn how reviews work
NG · 12 reviews
Sep 21, 2026
Completing the ID verification took close to 24 hours. I submitted saved copies of my identity which was immediately rejected but I didn't know. I had to take a live capture before it was then accepted. When paying for the USD virtual card, I had to convert NGN to USD in their respective wallets, unlike in other fintech apps where card fee is taken directly from NGN wallet. Also, the virtual card doesn't have its own wallet but gets debited from the USD wallet. In making a withdrawal, funds can be sent directly from your USD account to your local bank account. Overall, the user experience is commendable
NG · 7 reviews
Sep 21, 2026
I signed up on Cleva for the first time and completed my KYC, which took about two days to verify. After that, I deposited and was surprised there was no fee, and I also paid for a virtual card. Everything else was really quick and straightforward apart from the KYC, it was a bit slow
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Cleva Funding History
Liners compiles funding history from company announcements, investor records, and trusted reporting. We refresh it as new rounds are confirmed. How we source dataCleva has raised $1.6M across 2 recorded funding events. The latest was Seed in Aug 2024.
- Total Raised:
- $1.6M
- Latest Round:
- Seed
Cleva Investors & Funding Rounds
Cleva Founders & Leadership Team
Liners compiles leadership profiles from official company pages, professional profiles, and trusted public sources. We refresh them as teams change. How we source dataLatest Cleva News & Updates
Liners collects product news from official company updates and trusted publications. We refresh coverage as new articles are published. How we source dataSign in to see all 5 articles
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Jobs at Cleva
| Title | Posted |
|---|---|
| Senior Software Engineer | Aug 7, 2026 |
| Senior Mobile Engineer | Sep 8, 2025 |
Frequently Asked Questions About Cleva
Cleva is a fintech platform that provides US-based USD accounts, debit cards, and tools for Africans, especially in Nigeria, to receive international payments, manage USD, convert to local currency, spend via card, and save against currency volatility. Users sign up, create a USD account to receive payments via ACH, wires, or freelancing platforms, then spend, convert, or save funds. It includes rewards like Cleva Points earned on transactions.
Cleva primarily operates in Nigeria, with plans to expand to other African countries, including Kenya and South Africa.
Visit getcleva.com and select 'Registered business' or individual sign-up during registration to create your USD account. Complete the KYB or KYC process for fast approval.
Yes, Cleva is available on iOS and Android. You can download Cleva on the App Store for iPhone, or get it on Google Play for Android.
Cleva is best suited for freelancers, remote workers, agencies, SMEs, e-commerce businesses, creatives, and professionals in emerging markets like Africa who need to receive and manage USD payments from global clients.
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