How To Open a US Bank Account Online In Africa
This post will walk you through the process on how to obtain a US Bank Account in Ghana and any part of Africa to Recieve Payments From International Companies.
If your aim is to work with businesses or suppliers in the United States, you will need a reliable secure way to receive your payments from buyers and also to purchase goods and services overseas.
The usual solution for this would have been for you to create a business checking account with a US bank, by doing this, you’ll be able to make payments to your US suppliers and clients via check or through wire transfer. Also, your US suppliers and clients can pay you by wire transfer, direct deposit, or check.
This is great, however, it isn’t easy for small businesses to obtain a US bank account in Africa anymore.
How Do I Open a US Bank Account in Africa?
It is crucial to know that the US has recently passed some laws which makes it difficult for non-residents and small business owners outside of the US to open business bank accounts in the states without being present.
This law was made to avoid money laundering and other foreign criminal banking activities. In addition, individual states in the country also have their very own banking laws and regulations that may hinder the chances of successfully opening business US bank accounts for foreign companies, especially in Africa.
How To Open a US Bank Account Online In Ghana
To avoid going through the stress of obtaining a US bank account the traditional way, the simplest, fastest option for online business owners, freelancers, and online sellers in Africa to obtain a US bank account is by using a global payment platform like Payoneer.
Payoneer will give you almost all the benefits of having a US bank account the traditional way. In case you don’t know what Payoneer is, Payoneer is an online financial service company that provides digital payment and online money transfer services to freelancers, online business owners, and professionals. The main aim of the company is to help online sellers, digital entrepreneurs, and freelancers to pay and get paid globally as easily as they do locally.
The company is based in the U.S and has been in existence for over 13 years. Payoneer is very easy and safe to use, All that you will need to do is to register for a Payoneer account. Click here to register for free.
Follow the step by step guide on how to register and get approved for a Payoneer account in Ghana.
- How To Register For Payoneer and Get Approved
- How to create a Payoneer account in Ghana and Nigeria
- Sign up to Payoneer and get $25 free sign up bonus
After successfully signing up for a Payoneer account, You will be given a US Bank account together with your bank details in your name to receive payments online from US companies. You will receive information such as:
- Bank name
- Bank address
- Routing (ABA)
- Account number
US Bank Account | Payoneer | |
Application | In person, in the US | Online |
Documentation needed at registration | US business registration US W-8BEN US business address US tax ID (EIN) Business documentation | Name, contact info, local bank account information* |
Fees | Monthly account fee Wire transfer fees | Per transaction |
Setup time | 3-10 days | Same day |
By logging into your Payoneer dashboard, You’ll be able to manage all your available bank accounts in one place.
Payoneer USD Receiving Account Guidelines


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