Many Nigerians in relationships with clients struggle to receive Payment because the client’s bank only allows local transfers. Opening a foreign account is challenging; PayPal and cards often result in holds and disputes. This post breaks down every route (how it works, what can go wrong), then shows an easier path on how we receive abroad (any country), convert at today’s rate, and pay you in naira.
Why is this a problem in the first place
Banks love local Payment.
- US banks default to ACH Bank Payment
- UK banks default to Faster Payments
- EU banks default to SEPA mode of payment
Your partner is happy to help, but their bank page says “send to a local account.” but you don’t have that account. That’s the problem here.
Meanwhile:
- PayPal/card processors can hold money or reverse it.
- Random exchangers promise sweet rates, then ghost.
- “Use a friend’s account” creates proof and trust issues later.
- Opening your own foreign account from Nigeria is slow and often blocked.
So you need something simple: a way your partner sends like normal, and you receive naira.
What people try (and what usually goes wrong)
1) PayPal or card payments
Why people try it: easy to send from anywhere.
Problems: holds, chargebacks, rolling reserves, higher fees, name mismatches.
2) Crypto (USDT, etc.)
Why people try it: fast across borders.
Problems: many partners don’t understand wallets; on/off-ramp fees; price confusion; banks still ask for proof.
3) “Use my friend’s UK/US account”
Why people try it: looks simple.
Problems: trust, delays, story changes, weak paper trail, and fights if something goes wrong.
4) Open your own foreign account remotely
Why people try it: feels “official.”
Problems: eligibility, onboarding hurdles, address verification, months of back-and-forth.
5) Agents on socials media
Why people try it: quick DMs, “best” rate screenshots.
Problems: no structure, no receipt, no recourse. If anything goes sideways, nothing to show your partner or a bank.
What you actually need (non-negotiables)
- A real bank account in the sender’s country so your partner can do a normal local transfer.
- Clear naira figure before payout (so you approve with eyes open).
- Proof you can save: payment screenshot, bank reference, and a receipt that states what happened.
- Speed: once money shows, payout the same day during bank hours.
- Clean records for school, visas, wedding plans, or just peace of mind.
How the “receive abroad → pay naira” model fixes it
Here’s the plain flow:
Partner’s bank (local transfer in their country)
│
▼
Our bank account in that country ← we confirm it arrived
│ we show you the naira you'll get (today’s rate, fee inside)
▼
Your Nigerian bank account ← we pay + send screenshot + PDF receipt
Key ideas:
- Your partner does not change habits—they send a normal transfer where they live.
- You see the final naira before we pay.
- You get screenshots + bank reference + a PDF receipt, so your story is tidy forever.
Step-by-step (so there’s zero confusion)
- Tell us the country and amount.
We open a ticket and send you the exact bank details for that country (plus a short note to include as “reference”). - Share the details with your partner.
They pay like normal. When they finish, they send you a screenshot. - You forward the screenshot to us.
We check our side. Once the money shows, we tell you the naira you’ll receive (today’s rate; small service fee already inside). - You say “OK.”
We credit your Nigerian bank—usually same day (bank hours). If it lands late, we pay next business day. - Proof for your records.
We send our screenshot, the bank reference, and a PDF receipt. If you want, we can compile a monthly statement.
Countries & speed (what to expect)
We have bank accounts in all countries (common lanes listed here; ask if yours isn’t).
- US (USD) — ACH / Wire
- UK (GBP) — Faster Payments / CHAPS
- EU (EUR) — SEPA
- Canada (CAD) — case-by-case
- UAE (AED) / Qatar (QAR) — case-by-case
Typical speed after your partner sends (business hours):
- US/UK/EU: same day → T+1
- Others: same day → T+2 (we confirm on your ticket)
Money talk (transparent and simple)
- Percentage: usually 10%–30% depending on amount and country.
- Rate: today’s rate. You approve after you see the final naira.
- Minimum: normally from $500 worth of that currency amount.
- Payout speed after it shows: same day during bank hours.
Why this matters for Dating clients
- Monthly support: pick a date, build a routine, and plan your budget.
- Visits & flights: stack contributions into one payout window—fewer fees.
- Wedding savings: label each transfer “wedding fund,” keep receipts in one folder.
- School & rent: predictable naira beats “we’ll see.”
Compare your options (quick table)
| Route | Why people pick it | What goes wrong often | Paper trail |
|---|---|---|---|
| PayPal / cards | Familiar to sender | Holds, chargebacks, name mismatch | Medium |
| Crypto | Fast, global | Wallet confusion, on/off-ramp fees, proof questions | Low–Medium |
| Friend’s foreign account | Looks simple | Trust issues, delays, messy proof | Low |
| Open your own foreign account | Feels official | Hard to qualify, slow onboarding | High (if you get it) |
| Random social agent | “Best rate” screenshots | Ghosting, no receipts | Very low |
| Receive abroad → pay naira (us) | Sender uses normal transfer, you get NGN | Clear rate before payout, screenshot + receipt + ref | High |
Small habits that keep things smooth
- Always use the fresh bank details we send for that ticket (don’t recycle old ones).
- Ask your partner to paste the exact reference we provide (no typos).
- Approve inside the rate window—that’s how you lock your number.
- Keep all screenshots + receipts in one folder. Future you will thank you.
“What about safety?”
- Legit and voluntary support only. No pressure, no deception, no stories.
- We ask for basic ID (or CAC/TIN if you’re a business) and a one-line purpose (“personal support,” “travel fund,” “wedding savings”).
- We keep required records; access is restricted and audited.
- If anything looks off, we don’t run it. Your safety comes first.
Copy-and-send note for your partner (so they pay right the first time)
Subject: Bank details for support to [Your Name]
Hi [Name],
Please send [amount + currency] using the bank details below.
Important—use this note/reference exactly:[YOUR UNIQUE REF]
Account name: Exswap
Bank: [Bank Name]
Account/IBAN: [XXXX]
Routing/Sort/BIC: [XXXX]
After you send it, please share a screenshot. Thank you ❤️
This one message prevents most delays.
The calm, easy solution
Love is simple. Money transfer should be too.
Let your partner send the way their bank understands. We receive in their country, convert at today’s rate, and pay you in naira—with screenshots and receipts.