A lot of Nigerian creators are now asking: “Can I use my normal Naira account to receive money from Facebook?” The short answer is yes, you can. But here’s the honest truth—just because it’s possible doesn’t mean it’s the best option.
The Reality of Using a Naira Account
If you decide to use your Naira account, Facebook will still send your earnings. But most creators who tried it have faced:
- Payment delays – the money enters late or keeps “hanging” in the system.
- Poor exchange rates – you don’t get the real value of your dollars.
- Bank frustrations – sometimes, the bank keeps tossing you around before releasing your money.
Why? Because Facebook pays in USD, and when that money lands in a Naira account, your bank has to handle conversion. That’s where the headache starts.
Why a Dollar Account Is Better
If you want smooth payouts, the safest route is to open a domiciliary (USD) account. With that, Facebook sends your earnings directly in dollars, and you decide when and how to convert it.
Here’s what you should know:
- Some banks ask for a $100 opening deposit, while others allow as little as $20—or even free.
- If referees are a problem, ask for a domiciliary savings account—most banks don’t require referees for that.
- Later, when your earnings grow, you can always upgrade to a more flexible account.
Naira Account vs. Dollar Account
- Naira account → Yes, it works, but expect stress, bad rates, and possible delays.
- Dollar account → Clean, simple, and you control your money. No unnecessary drama.
As one creator said:
“Naira account will frustrate you. You’ll get paid by Facebook, but you won’t see the money in your account on time. Save yourself the headache—use a dollar account.”
The Bottom Line
✔ You can use a Naira account, but it’s not ideal.
✔ A dollar account gives you better control and more value.
✔ Don’t stick to one bank—ask questions and choose what works best for you.
If you’re serious about content creation and Facebook monetization, do yourself a favor—open a dollar account. It’s one small step that will save you a lot of frustration in the long run.