Do I Need a Domiciliary Account to Create a Dollar Account Online? (For Ghanaians)
May 8, 2025
In Ghana, receiving payments in USD used to mean one thing—opening a domiciliary account with your local bank. But times have changed. Today, you can access international banking features without the headaches of old-school processes. No forms. No lines. No frustrating delays.
With modern fintech tools like Hurupay, you can create a free virtual USD account from the comfort of your phone. No SSN, no U.S. residency, and definitely no need for a domiciliary account.
Say Hello to Hurupay
Hurupay is rewriting the rules. You can open a free USD account online in minutes—no paperwork, no bank queues, and no local bank drama. Whether you’re a freelancer, remote worker, online seller, or simply receiving funds from abroad, Hurupay gives you what local banks won’t: global access, speed, and control.
Why Hurupay Works for Ghanaians
Hurupay offers a smarter way for Ghanaians to access USD without needing a traditional domiciliary account. It removes all the barriers—no SSN, no bank branch visits, no complex forms—just a secure virtual dollar account you can manage entirely online.
No SSN or US Address Needed – Just sign up with a valid ID.
Free Virtual USD Account – Get a US account number and routing number instantly.
Low Fees – Just 1% to receive USD. No hidden bank charges.
Same-Day Settlements – Your money reflects within hours, not days.
Withdraw Your Way – Mobile money (MTN, Vodafone), local bank account, or crypto wallet.
Stablecoin Protection – Auto-convert to USDC so your funds are safe from cedi depreciation.
Forget Domiciliary Headaches
Still thinking a domiciliary account is your only path to receiving USD in Ghana? Think again. Traditional banks make the process unnecessarily complicated—but you don’t have to settle for that anymore. With Hurupay, you skip the gatekeeping and go straight to what matters: getting your money quickly, securely, and without stress.
Local banks will make you:
Fill out forms and provide references
Wait days for verification
Pay high international transfer fees
Visit the bank for every little change
With Hurupay, all that is history. You get full access to your USD funds online, with fast support and flexible withdrawals that work in Ghana.
Real-Life Use Cases: Who Should Be Using Hurupay?
Hurupay isn't just another app—it’s a powerful tool for modern Ghanaians. Here are a few scenarios where it proves invaluable:
1. Freelancers & Remote Workers: Working with international clients via Upwork, Fiverr, or Deel? Hurupay lets you receive payments in USD instantly without dealing with PayPal freezes or Payoneer’s high withdrawal fees.
2. Students Receiving Support from Abroad: Whether it’s parents or relatives sending financial support from the U.S., UK, or Europe, Hurupay allows students to receive those funds securely and convert them directly into Ghana cedis.
3. E-commerce & Online Sellers: Selling on platforms like Etsy, Shopify, or Amazon? Hurupay provides a global payment gateway so you can receive USD or EUR without a merchant account in another country.
4. Social Media Creators & Influencers: Getting paid through brand deals, affiliate programs, or platforms like TikTok or YouTube? Add your Hurupay virtual account as your payout method and skip the bank drama.
5. SMEs & Side Hustlers: If you run a small business and deal with foreign vendors or clients, Hurupay helps you handle payments smoothly without the complications of opening a business domiciliary account.
Security & Transparency with Hurupay
One concern most people have with virtual dollar accounts is security—and rightly so. Hurupay takes that seriously. Here's how your funds are protected:
Blockchain-based Transactions: Hurupay leverages blockchain technology, which means transactions are transparent, fast, and verifiable.
Stablecoin Integration: USD funds are auto-converted to USDC, a regulated stablecoin pegged 1:1 with the U.S. dollar. This reduces your exposure to local currency depreciation.
Secure KYC Verification: Your identity is verified using secure protocols to prevent fraud and ensure compliance.
No Risk of Frozen Accounts: Unlike PayPal and some traditional banks, Hurupay gives you full access to your funds with no surprise freezes or holds.
How to Open a Dollar Account with Hurupay in Ghana (Step-by-Step)
Opening your USD account on Hurupay is quick and simple. Here’s what to do:
Visit hurupay.com or download the Hurupay app.
Sign up using your email and verify your phone number.
Upload a valid government-issued ID (such as your Ghana Card or passport).
Complete the KYC process—this usually takes less than 5 minutes.
Once verified, receive your USD account details. You’ll get a U.S. account number and routing number under your name.
Start receiving payments! You can share your details with clients, employers, or family abroad.
Withdraw funds directly to your local bank, MTN/Vodafone mobile money, or even a crypto wallet.
Final Thoughts
You no longer need to rely on outdated banking systems to access global payments. With Hurupay, the power to receive, manage, and withdraw USD is in your hands—right from your smartphone. Whether you're working with international clients or receiving support from abroad, Hurupay makes the process faster, cheaper, and hassle-free. It's time to leave the old ways behind and embrace a modern solution designed for everyday Ghanaians.
Ready to join the new wave of global earners?
Open your free virtual dollar account today at hurupay.com and start receiving USD—without ever stepping into a bank.
