Pryme
Sign up
Pryme Personal

Money with a heartbeat.

Meet Eva, the assistant inside the Pryme app. She opens accounts, moves money, saves toward your goals and follows up. Nothing leaves your account without your approval.

Meet Eva, the assistant inside the Pryme app. She holds dollars, pounds, euros and Naira side by side, swaps at a locked rate, pays bills in any of them and sends anywhere, asking before anything moves.

HomeEvery currency, every Box and every card on one screen.
Chat with EvaTell her the goal. She handles the steps and asks before anything moves.
Savings BoxesFlexible, Fixed, Investment and Interest-free, side by side.
Create a BoxPick the type, name the goal. Eva works out what to move, and when.
LoansSpaces credit and Salary Advance. Draw only what you need.
Invite friendsThree friends, ₦50,000 each, and ₦20,000 lands with you.
YouEva’s voice, your plan, your address and every security control.
Duress signalA word that looks normal on screen while your people are alerted.
Chat with EvaTell her the goal. She handles the steps and asks before anything moves.
Swap at the live rateOr name the rate you want and she swaps the moment it lands.
One card, every currencySpend from whichever balance suits, and freeze it from the app.
What Eva may do without askingStanding permissions, a voice, and a record of every rule you have given her.
Receipts anyone can verifyRegular or certified statements, e-signed and checkable by whoever receives them.
Open a personal account How we keep your money safe
Pryme app: Home
Pryme app: Chat with Eva
Pryme app: Savings Boxes
Pryme app: Create a Box
Pryme app: Loans
Pryme app: Invite friends
Pryme app: You
Pryme app: Duress signal
Pryme app: Chat with Eva
Pryme app: Swap at the live rate
Pryme app: Multicurrency card
Pryme app: What Eva may do without asking
Pryme app: Receipts and statements
MoneyAgentsApprovalAgentsEvery currencyYour approval

Open an account. Get money to spend.

Global money. Intelligent growth.

We give you a limit to spend at the shops and services you already use — and an account that works on your month while you get on with it. Dollars, pounds and euros sit beside your Naira, and an assistant handles the running of it, asking you first every single time.

One global account for your money and business. Move across currencies, automate everyday operations and put AI agents to work — with you in control of every important decision.

Open Personal or Business Account Already with us? Log in
Open a Business account Download the app for Personal Open an account from anywhere
Pryme app home: every currency on one balance
Personal · the app in your hand
Salary landed₦920,000 from John Doe Ltd · Naira account
Done
Move ₦100,000 to your Rent Box?Keeps ₦127.9m liquid · earns 18% p.a.
Approve
Paid Ikeja Electric₦18,400 · token sent by SMS
Done
Swap $200 → ₦310,000?Rate locked at ₦1,550 for 30 s
Approve
Held a ₦150,000 transferNew payee · unusual hour · needs you
Review
Received $2,400From a client · USD account
Done
Swap $200 → £—?Rate locked for 30 s
Approve
Paid the light bill at home₦18,400 · Ikeja Electric
Done
Keep $1,000 liquid, save the rest?$1,400 → Flexible Box
Approve
Held a £2,000 transferNew payee · needs you
Review
Eva is live
500,000+customers, personal and businessScan to get the app
Get the appScan with your phone camera
Regulated partnersEvery currency held with a licensed institution in its market
Solid AllianzeCBNNDIC
Scan to get the app
Get the appScan with your phone camera
Instant settlementOur own core ledger: swaps land at once, every receipt verifiableScan to get the app
Get the appScan with your phone camera
Agents with a mandatePowered by Pryme Intelligence. Nothing moves without youFlip
Pryme Intelligence
Eva, the assistant that runs a Pryme accountEvayour assistant
The Chief of Staff agent on a Pryme Business AccountDanielChief of Staff
The Finance agent on a Pryme Business AccountBenFinance
PrymeBruceCare
Inside a mandate you write. Every action logged.
Multi-currency30 currencies on one balanceFlip
Locked rates30 s
🇺🇸 1 USD—
🇬🇧 1 GBP—
🇪🇺 1 EUR—
The rate you see is the rate you get.
10 years2016 to today, one trunkScan to get the app
Get the appScan with your phone camera
Business Account

Open an account. Get customers.

Your competitor down the road sells the same thing you sell. The difference is who walks in. We put money in people’s hands that can only be spent in businesses like yours — and then we point them at you.

The Pryme Business home page: three currency balances on one account, the money actions, five agents working and a live stream of what they have done
Business · the page your team signs into
Spaces · Nigeria

We hand the customer the money. It can only be spent with you.

You are not borrowing. You are selling to somebody who already has the money — and that money can only be spent with a business like yours.

The business · Pryme Business
johndoe.mypryme.com · Spaces

Spaces Showing 30 days

Spaces is onshoppers near you can see your shop
Spaces brought you · 30 days ₦2,578,550.00 104 sales from 71 shoppers ▼ 4% on the period before
Where the money came from
91% shoppers who had been in before 9% first visit to your shop
21 of 71 came back more than once Average basket ₦24,793.75 Biggest shopper ₦142,300.00
24 Jul returningnew to you 22 Aug
Money on its way to you confirmed at the counter · on its way to your Naira account
Confirmed at the counter ₦47,150.002 sales today · final the moment they paid
Sales of 23 Aug₦90,9503 sales · confirmed
Sales of 24 Aug₦196,2005 sales · confirmed
Sales of 25 Aug₦47,1502 sales · confirmed
nothing for you to do · it arrives on its own
Lands in your NGN account ₦334,300.0010 sales in flight
The shopper · Pryme app
4:34
‹
BorrowLoans
SpacesSalary Advance
Spaces credit₦21,450 available
Repay ₦78,550
₦78,550 in use₦100,000 limit
Hold 25% · repay 2 more early to drop to 20%

₦100,000 from day one · agreement v2.1 · 12 Aug · View

Near youCategories 9Your loans 9
🛒Grocery / Retail4 places
🍽Eateries / Restaurants4 places
💊Pharmacies3 places
🎬Movies & Cinema3 places
🚌Transport3 places
💇Spa’s & Saloons3 places
Say “Hey Pryme”🎤
HomeBoxes CardsYou
Freeto join, nothing monthly. You are in the app the day you switch it on.
You get paidthe sale settles into your Naira account. Nobody to chase.
Zero riskwe carry the credit, whether or not the shopper repays us.
You growfaces that had never been to your shop — and most come back on their own.
The account

One account. Every currency you trade in.

Pryme Business4 currencies · one ledger
Base
₦127,328,879.23NGN · Nigerian Naira
$1,240.00USD · US Dollar
£480.00GBP · Pound Sterling
€310.00EUR · Euro
  • A named Naira account with Solid Allianze MFB — NDIC insured, your business name on it.
  • Real details abroad. A US account number, a UK sort code, an IBAN for the euro area.
  • Every currency has its own statement — regular or certified, with a code anyone can verify.
Swapping · in the app
4:34
‹···
Current account · NGN ₦127,328,879.23
SwapBoth balances move at once, on one ledger
Fill it inAsk Eva
$1 = ₦1,650.00
FromNGN ▾
250,000Available ₦127,328,879.23
ToUSD ▾
151.52after swap $1,391.52
Rate$1 = ₦1,650.00
Fee—
You get$151.52
NowWhen it hits

Eva waits for your rate and asks before she moves anything.

Target rate
$1 =1,585.00₦
Set the watch
Pryme Pay

Take money on your site, or on a checkout of your own.

No card, no OTP, nothing for the buyer to type in. They transfer from the bank app they already use, and the money lands in the same account your agents are running — already matched to the order, already in your books.

Pay from your bank app

We give the buyer a one-time account number. They transfer to it from any bank app or by USSD — no card, no OTP, nothing to type in.

Get the account number
  • Card details are never asked for, so they cannot leak.
  • The account is used once, then it closes.
  • Held with a licensed bank, insured by the NDIC.
Transfer exactly this amount

To this account, from any bank app. We watch it, and the page updates itself.

Send exactly₦26,767.50Copy
BankSolid Allianze MFB
Account number0000 000 000Copy
Account namePRYME / JOHNDOE‑ORD1042
Watching the account — nobody has to confirm anything.
Payment received

₦26,767.50 from GTBank · John D., matched to order ORD‑1042.

OrderORD-1042
Settled intoJohn Doe Trading Ltd · Naira account 0000 000 000
Receiptsent to the buyer
Get your receiptRun it again
Your checkout, your brand.On the site you already have, in your colours, on your own domain — or on a page we host for you.
A link for anything you sell.One price, one buyer, one link — sent on WhatsApp, Instagram or email, and paid the same way.
It lands already reconciled.Matched to the order, receipt issued, and in your books before you have looked at it.
Business Account

A team you did not have to hire.

Five agents come with the account. Each one has a job description, a budget and a ceiling you set. They do the work and bring it to you — nothing leaves the account without your signature.

CS Chief of Staff Runs the week

Knows what is stuck, who is waiting and what you promised — and keeps all three moving.

Booked a meeting with John Doe Foods for Thursday 11:00.
FI Finance Watches the money

Keeps the books as you trade and tells you the moment something does not add up.

Flagged a duplicate — invoice DP‑11908 was already paid in July.
COCompliance Keeps you inside the rules

Holds every filing to its own clock and screens names and payments against your policy — and logs what it refuses.

Screened 412 payments overnight and refused two of them.
SA Sales Chases what is owed

Goes back to the buyers who went quiet, with the receipt already attached.

Recovered ₦410,000 across three overdue invoices.
SU Customer Support Answers your customers

Replies, follows up on what they asked for and hands you only the ones that need you.

Resolved 4 conversations — two deliveries, one refund.
Every agent prepares and proposes. You are the only one who can approve.
Build on Pryme

Our rails, under your product.

Issue a dedicated Naira account number to each of your own customers, collect into it and reconcile against it. The same rails the Business Account runs on, with the licence behind them.

Read the API
Pryme Business

One business account. Every currency you trade in.

Dollars, pounds and euros beside a Naira account, on one ledger and one set of books. Five agents come with it and run the account — nothing leaves without your signature.

The Pryme Business home page: Naira, dollar and pound balances on one account, the money actions, five agents working and a live stream of what they have done
Business · the page your team signs into

A team you did not have to hire

Five agents come with the account. Each has a job description, a budget and a ceiling you set. They do the work and bring it to you — they propose, you approve.

CSChief of Staff Runs the week

Knows what is stuck, who is waiting and what you promised, and keeps all three moving.

Booked the quarterly review with your auditor for Thursday.
FIFinance Watches the money

Keeps the books in every currency you hold and flags the moment something does not add up.

Flagged a duplicate — invoice DP‑11908 was already paid in July.
COCompliance Keeps you inside the rules

Holds every filing to its own clock and screens names and payments against your policy — and logs what it refuses.

Screened 412 payments overnight and refused two of them.
SASales Chases what is owed

Goes back to the buyers who went quiet, with the invoice and the receipt already attached.

Recovered $12,400 across three overdue invoices.
SUCustomer Support Answers your customers

Replies, follows up on what they asked for and hands you only the ones that need you.

Resolved 4 conversations — two deliveries, one refund.
Every agent prepares and proposes. You are the only one who can approve.
Open a business account

Ten years, one trunk

The business has changed shape four times and never changed what it was rooted in. Each version was built out of what the last one could not do.

2016E-commerce

An online grocery store, built out of a faulty tab. Selling the food was the easy part — taking the money for it, and moving it, turned out to be the business.

2018OjirehPrime Card

A prepaid card. The first time the company issued rather than resold, and the first time it carried the obligations that come with holding somebody else’s money.

2020Microfinance bank

PrymeSolid Allianze acquired — an existing bank with an existing licence. The perimeter stopped being someone else’s to draw.

2023Multicurrency

More than one currency on one balance, and the rebrand to Pryme. A Nigerian business could hold dollars without holding a second institution.

2026Agentic operations

Accounts that do the work rather than only hold value. Five agents on the account, inside a policy you write — which is where the new mark starts.

Questions

The things people ask us first.

What is Pryme?

Pryme is a financial technology company. It gives people and businesses in Nigeria one account that holds Naira alongside dollars, pounds and euros, and a set of agents that do the running of it — keeping the books, chasing what is owed, answering customers and paying bills. Nothing leaves an account without the owner’s approval.

Can I hold dollars, pounds and euros in a Pryme account?

Yes. A Pryme account holds Naira, US dollars, pounds sterling and euros side by side on one ledger, each with its own account details — a Nigerian account number, a US account number, a UK sort code and an IBAN for the euro area. You can swap between them at a rate you set, and every currency has its own statement.

What is Spaces?

Spaces is available in Nigeria. It gives a shopper money to spend that can only be spent with a participating business. The business is paid into its Naira account whether or not the shopper repays, because Pryme carries the credit. For the business it is free to join, there is nothing monthly, and the customer’s identity is never shown — only a reference and what it is worth.

What do the agents on a Pryme Business Account do?

Five agents come with the account. The Chief of Staff runs the week and keeps what is stuck moving. Finance watches the money and keeps the books as you trade. Compliance keeps the filings on time and screens what moves. Sales chases what you are owed. Customer Support answers your customers and follows up. Each has a job description, a budget and a ceiling you set, and each one proposes rather than acts — nothing leaves the account without your signature.

How does Pryme Pay work?

Pryme Pay takes payments on your own site or on a checkout page you control. The buyer is given a one-time account number and transfers to it from any bank app or by USSD — no card, no OTP, nothing to type in. The money lands in the same account your agents are running, already matched to the order and already in your books.

What are Savings Boxes?

Savings Boxes are separate pots inside a Pryme account, held in Naira. Flexible Boxes can be withdrawn at any time, Fixed Boxes hold to a date, Investment Boxes hold for longer, and Interest-free Boxes earn nothing by design. A business can use them to ring-fence payroll and the tax it withholds, so that money cannot be spent by accident.

Who holds my money, and is it protected?

Pryme is a financial technology company, not a bank. Accounts and deposits are provided by Solid Allianze Microfinance Bank Limited, which is licensed by the Central Bank of Nigeria and is a member of the Nigeria Deposit Insurance Corporation.

Can I build on Pryme?

Yes. Pryme Rails lets a platform issue a dedicated Naira account number to each of its own customers, collect into it and reconcile against it, over one API — the same rails the Pryme Business Account runs on.

What is Pryme?

Pryme is a financial technology company. It gives you one account that holds US dollars, pounds sterling and euros beside Naira, with an assistant that runs the account for you and asks before anything moves. Accounts are provided in Nigeria today, and further markets open as each licence lands.

Can I open a Pryme account from outside Nigeria?

Accounts are provided in Nigeria today, subject to verification and approval. Foreign-currency balances are held and converted inside that account, so you can hold, receive and swap dollars, pounds and euros wherever you are.

Which currencies can I hold with Pryme?

Naira, US dollars, pounds sterling and euros, side by side on one ledger. Each has its own details — a Nigerian account number, a US account number, a UK sort code and an IBAN for the euro area — and each has its own statement.

How do I send money to Nigeria with Pryme?

Swap at a rate you set rather than the rate of the day, then send to any Pryme username or to a Nigerian bank account. There is no fee to send to another Pryme account.

What does the assistant do?

Eva is the assistant inside the Pryme app. She opens accounts, moves money, saves toward your goals, pays what is due and follows up what is owed to you — and asks you before anything moves.

What is Pryme Rails?

Pryme Rails lets a platform issue a dedicated Naira account number to each of its own customers, collect into it and reconcile against it, over one API — the same rails the Pryme Business Account runs on.

The Ledger

Notes on money that does the work: what we are building, what the regulation actually says, and how we think about letting software act on money. Read the Ledger

Scroll for more
Home · The Ledger · Diaspora accounts and investing
Japa & diaspora

Dollar fixed deposits in Nigerian banks for the diaspora

Which Nigerian banks publish dollar deposit products, how their rates are shown, minimums, withdrawal rules, the 10% tax on interest and an alternative.

PE
Pryme editorialJapa & diaspora desk · 19 Oct 2026 · 4 min read
The short answer

Several Nigerian banks offer interest-bearing US dollar deposits that diaspora customers can open, but few publish a live rate: FirstBank's FAQ describes FirstDom with a US$5,000 minimum and tiered rates of 0.50% to 2.00% a year, and Keystone lists a diaspora dollar account at 0.15%. Since 1 January 2026 banks deduct 10% withholding tax on foreign currency deposit interest, so ask for the current rate sheet and the early-withdrawal terms in writing.

What a dollar fixed deposit is

A fixed (term) deposit locks a sum for an agreed period in return for interest set at the start. In Nigeria you can do this in US dollars, usually from a domiciliary account at the same bank. For a Nigerian abroad, the attraction is earning something on dollars held at home without converting to naira. The trade-off is that dollar deposit rates in Nigeria are low compared with naira rates, and the money is tied up for the term.

What banks publish

Most banks do not post a live dollar deposit rate online. These are the published details we found, with their dates:

Bank and productWhat the bank's page saysPage date
FirstBank FirstDomMinimum US$5,000, €5,000 or £3,000; tiered rates 0.50%–2.00% a year; a separate product with its own account numberFAQ, undated
Keystone Diaspora CurrentUSD, GBP or EUR; open with 10 units; 0.15% a yearAccounts page, live Oct 2026
UBA Dom AdvantageCurrent or savings in USD, EUR, GBP; minimum US$50, €50 or £50; interest on balances above US$1,000Domiciliary page, live Oct 2026
Fidelity Diaspora DomiciliaryUSD, GBP, EUR; minimum opening US$50, €50 or £50; a resident nominee as joint signatory; no inflow limitDiaspora page, live Oct 2026

Only FirstDom is described as a tiered deposit product. The others are accounts that may pay interest. For a true term deposit, ask the bank's diaspora desk for its current dollar rate sheet by amount and tenor.

Opening one from abroad

You normally open a domiciliary account first and book the deposit from it. Fidelity's diaspora banking page gives a typical document list for the account:

  • A completed diaspora account form and a passport photograph.
  • A notarised or certified copy of your ID; certification by a notary, a court, a lawyer, a Nigerian embassy, a foreign banker or a Commissioner for Oaths.
  • Proof of address dated within the last three months.
  • Two references from Nigerian bank account holders.
  • A resident nominee who acts as joint signatory.

Other banks ask for similar documents, and most will want your BVN linked before the account is fully operational. Once the account is funded by transfer from abroad, ask the bank to book the deposit in writing, and keep the deposit confirmation showing amount, rate, start date and maturity date.

How rates are shown

Dollar rates in Nigeria are usually tiered: the bigger the deposit and the longer the term, the higher the rate. FirstBank describes FirstDom this way. Rates are quoted per year, so on a 90-day deposit you earn roughly a quarter of the quoted rate. Before you agree, ask:

  • Is the rate fixed for the whole term or can it change?
  • Is interest paid at maturity or monthly, and into which account?
  • Does the deposit roll over automatically at maturity, and at what rate?
  • What happens if you break the deposit early: reduced interest, no interest, or a charge?

Tax on dollar interest

From 1 January 2026, banks began deducting 10% withholding tax on all foreign currency deposit interest, citing the Nigeria Tax Act 2025 (BusinessDay, reporting an Access Bank notice). PwC's tax summary confirms interest on foreign currency domiciliary accounts is no longer exempt. If you are not resident in Nigeria, the interest is still Nigerian-source income.

Worked example

Example (illustrative rate). You place US$10,000 for 12 months at 2% a year, the top of FirstDom's published band. Interest is US$200. Withholding tax at 10% is US$20, so US$180 reaches you, assuming no other charges. At 0.15%, the Keystone figure, the same US$10,000 earns US$15 before tax and US$13.50 after.

Compare that with the Domestic FGN US Dollar Bond, which the DMO's August 2024 FAQ described as a five-year bond with a 9.75% annual coupon, open to diaspora investors with a BVN and NIN, minimum US$10,000, and exempt from income taxes. It is not a deposit: you are lending to the Federal Government for five years, and selling early depends on the market. See dollar bonds for the diaspora.

Getting your dollars out

When the deposit matures, money returns to your domiciliary account. Charges then apply to moving it: FirstBank's FAQ says its domiciliary cash withdrawals are free and transfer charges for balances of US$30,000 or more are at most 0.25%; Access Bank's FAQ lists a 0.5% cash handling charge on domiciliary withdrawals. Check your bank's tariff before you plan a withdrawal. For the rules on cash, see withdrawing dollar cash.

What to check first

  1. Get the current rate sheet, minimum and tenor options in writing.
  2. Ask for the early-withdrawal rule and the rollover default.
  3. Confirm the 10% withholding tax and whether the bank issues a tax deduction receipt.
  4. Compare the after-tax return with other dollar options, including ordinary dollar account interest.

Where Pryme fits

A Pryme account holds US dollars with local account details (multicurrency) for receiving and spending. Pryme's Savings Boxes are naira only, so they are not a dollar fixed deposit.

Questions people ask

Which Nigerian bank pays the highest interest on dollar fixed deposit?

Few banks publish live rates. FirstBank's FAQ describes FirstDom with tiered rates of 0.50%–2.00% a year from US$5,000. Ask each bank for its current rate sheet.

Can I open a dollar fixed deposit in Nigeria from abroad?

Usually yes, through the bank's diaspora account opening, starting with a domiciliary account. Fidelity's diaspora account, for example, needs a resident nominee as joint signatory.

Is interest on dollar fixed deposits taxed in Nigeria?

Yes. Since 1 January 2026 banks deduct 10% withholding tax on foreign currency deposit interest.

What happens if I break a dollar fixed deposit early?

It depends on the bank: you may lose some or all of the interest. Get the early-withdrawal terms in writing before you deposit.

Sources

  1. FirstBank: FAQs · accessed Oct 2026
  2. Keystone Bank: Personal accounts · accessed Oct 2026
  3. UBA: Domiciliary account · accessed Oct 2026
  4. Fidelity Bank: Diaspora banking · accessed Oct 2026
  5. BusinessDay: Banks will deduct 10% withholding tax on foreign currency interest from today (1 Jan 2026) · accessed Oct 2026
  6. DMO: Domestic FGN US Dollar Bond FAQs (Aug 2024) · accessed Oct 2026

This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.

More on Diaspora accounts and investing

Japa & diaspora

Can a domiciliary account be used for proof of funds?

Yes, a dollar or pound domiciliary account can back a visa application if the statement shows your name, the currency and the balance over time.

PEPryme editorial · Visa money desk19 Oct 2026 · 4 min
Japa & diaspora

Dubai job scams targeting Nigerians: what to check

The visit-visa job trap explained, and the UAE labour ministry (MoHRE) checks on offer numbers, work entry permits and company records.

PEPryme editorial · Japa desk19 Oct 2026 · 4 min
Japa & diaspora

Dubai study visa: funds and sponsorship for Nigerians

How a UAE university sponsors your student residence visa, what it asks you to pay first, the refundable visa deposit, and the checks after you land.

PEPryme editorial · Japa desk19 Oct 2026 · 4 min