---
title: "Cleva: USD Account, Virtual Card and Transfers"
description: "Open a US-based USD account in Nigeria: receive ACH/wire from Upwork, Deel & Amazon; hold USD, spend with a virtual USD card, convert to local currency."
canonical_url: "https://liners.com/cleva"
markdown_url: "https://liners.com/cleva.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/cleva/screenshot.webp?v=1773349335970"
published_at: "2026-03-12T20:56:54.710Z"
updated_at: "2026-08-31T07:46:05.878Z"
---

# Cleva: USD Account, Virtual Card and Transfers

Open a US-based USD account in Nigeria: receive ACH/wire from Upwork, Deel & Amazon; hold USD, spend with a virtual USD card, convert to local currency.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Cleva](/cleva)

## Summary

Open a US dollar account to receive global USD payments

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.getcleva.com/ |
| Tagline | Open a US dollar account to receive global USD payments |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS |
| Average rating | 5 |
| Published reviews | 1 |
| Verified listing | No |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Multi-currency](/tags/multi-currency): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/cleva/alternatives)
- [Reviews](/cleva/reviews)
- [Transparency](/cleva/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/cleva)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)