Click to watchWhether you’re a designer, developer, or content writer, getting paid as a freelancer in Nigeria can still feel like navigating a maze. Between high transfer fees, delayed payments, and limited access to global platforms, most freelancers have had to find creative ways to receive their earnings. The good news is that things are changing.
In 2025, more reliable payment apps will now cater directly to Nigerian freelancers and remote workers, helping them receive funds faster, convert currencies easily, and avoid the frustrations of blocked platforms. These tools not only make payments smoother but also give freelancers more control over their finances.
This article explores the top payment apps for freelancers in Nigeria, what makes each platform stand out, and key tips for managing international payments efficiently.
Key considerations when choosing a payment app
Before jumping into the list, here are the most important factors to consider when selecting a payment app in 2025.
1. Fees and exchange rates
Some platforms charge per transaction, while others include conversion margins that can reduce your total payout. Always compare rates to know how much of your earnings you’ll actually keep.
2. Speed of transfers
Time is money, especially when clients pay across different time zones. Choose platforms that process transfers quickly, ideally within hours and not days.
3. Ease of use and integration
Look for intuitive, mobile-friendly platforms that integrate easily with freelance sites like Upwork, Fiverr, or Shopify.
4. Security and compliance
Ensure the app offers two-factor authentication (2FA) and complies with Nigeria’s financial regulations to protect your funds.
5. Withdrawal options
Reliable withdrawal methods are crucial. Favour apps that offer virtual dollar cards, domiciliary accounts, or direct transfers to your Nigerian bank.
6. Customer support
Responsive support can make or break your experience, especially when there is an issue with payment delays or account verification.
Top 6 payment apps for freelancers in Nigeria
1. Cleva
Cleva is a fintech platform designed for African remote workers and freelancers who earn in foreign currencies. It provides US bank accounts, allowing users to receive payments in USD, convert at fair rates, and withdraw directly into Nigerian accounts.
Why it works: Cleva offers same-day transfers, no hidden fees, and fast verification, making it one of the easiest apps for freelancers to start with.
Pros:
- Instant US account setup
- Competitive rates and low fees
- Fast and reliable transfers
Cons:
- Currently supports only USD
- Limited integrations with freelance marketplaces
Best for: Freelancers who get paid primarily in USD and want a reliable, mobile-first experience.
See More: Nigerian fintech Cleva gets into Y Combinator W24, raises $1.5 M pre-seed
2. Payoneer
Payoneer is most Nigerian freelancers’ favourite. It has been the go-to option for Nigerian freelancers for years. It’s integrated with top platforms like Upwork, Fiverr, and Amazon, allowing users to receive payments in USD, GBP, and EUR.
Why it works: Payoneer gives users virtual bank accounts abroad, letting them receive international payments as though they had a local account. You can then withdraw directly into your Nigerian bank or use a Payoneer card for payments.
Pros:
- Trusted by global freelance platforms
- Supports multiple currencies
- Transparent exchange rates
Cons:
- Annual card maintenance fee
- Withdrawal fees may apply.
Best for: Freelancers on platforms such as Upwork and Fiverr who need a secure, reliable payment method.
3. Grey
Grey (formerly Aboki Africa) allows Nigerian freelancers to open virtual foreign bank accounts in the US, UK, and EU. It’s ideal for receiving payments directly from international clients or platforms like Wise and Revolut.
Why it works: Freelancers can receive funds in foreign currencies, convert them at competitive rates, and withdraw directly to their Nigerian accounts.
Pros:
- Free virtual accounts in multiple currencies
- Competitive exchange rates
- Fast transfers and an easy-to-use app
Cons:
- Not yet integrated with major freelance marketplaces
- Customer support can be slow at peak times.
Best for: Freelancers with direct international clients who prefer fast, flexible transfers.
4. Wise (formerly TransferWise)
Wise is a global money transfer service popular among freelancers who value low fees and transparent exchange rates. It allows Nigerian freelancers to receive funds from clients abroad into multi-currency accounts.
Why it works: Wise is known for using real mid-market exchange rates meaning no hidden markups and its transfers typically arrive within hours.
Pros:
- Transparent, real-time FX rates
- Low and predictable transfer fees
- Supports over 50 currencies
Cons:
- Not yet integrated directly with Nigerian banks
- Requires verification for larger transfers
Best for: Freelancers with international clients who want a simple, affordable way to receive global payments.
5. Gigbanc
Gigbanc is a new but powerful option for freelancers and remote workers looking to manage payments from different clients in one place. It supports multi-currency wallets, fast settlements, and innovative financial tracking tools.
Why it works: Gigbanc combines finance and productivity by helping freelancers manage income, track invoices, and automate recurring payments.
Pros:
- All-in-one wallet for different income sources
- Budgeting and invoice tracking tools
- Low transfer fees and reasonable FX rates
Cons:
- Still expanding to support more regions
- Requires verification for higher limits
Best for: Freelancers and remote teams who want both payment flexibility and financial management features.
6. Raenest (formerly Geegpay)
Raenest, formerly known as Geegpay, is one of the fastest-growing platforms designed specifically for African freelancers and remote workers. It offers virtual USD and EUR accounts, a virtual dollar card, and easy currency conversion tools.
Why it works: Raenest enables freelancers to get paid by clients or platforms like Payoneer, Wise, and Fiverr, convert their earnings, and withdraw directly to Nigerian banks.
Pros:
- Quick setup and fast payments
- Transparent FX rates
- Virtual USD card for online spending and subscriptions
Cons:
- Still expanding global integrations
- Transfer limits may apply for new users.
Best for: Freelancers seeking an all-in-one mobile-first payment platform for quick, low-fee transactions.
Related article: Raenest expands to U.S. market in global push
Tips for managing international payments
Even with great apps, how you manage your funds affects how much you keep. Here are a few practical ways to maximise your earnings:
- Use more than one platform: Combine tools for example, Payoneer for Upwork clients and Grey or Raenest for direct transfers.
- Watch exchange rates: Track rates daily in apps like Grey or Wise to get the best conversion value.
- Bundle withdrawals: Withdraw larger sums less often to save on transfer fees.
- Keep clean records: Maintain transaction logs for tax filings, visa applications, or grant opportunities.
- Enable 2FA: Always secure your accounts with two-factor authentication.
- Stay informed: Follow fintech updates on X (Twitter) and LinkedIn to stay ahead of policy changes.
How to read this table
- Virtual account: Lets you receive payments in foreign currencies under your name.
- FX rate: “Competitive” means better than most banks.
- Card option: Useful for paying subscriptions or withdrawing globally.
- Fees: Vary by verification level, currency, and withdrawal method.
Note: Features, availability, and pricing change often. Always check the latest in-app rates and fee pages before invoicing clients.
Getting paid as a Nigerian freelancer no longer has to be stressful. Platforms like Raenest, Grey, Cleva, Gigbanc, Payoneer, and Wise now make receiving international payments faster, safer, and more affordable.
The key is to choose the platform that best fits your workflow whether you work with global clients, local startups, or multiple income sources. By managing your finances wisely, you’ll spend less time chasing payments and more time building your freelance career.
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