NGN virtual accounts
Dedicated account numbers for collections and disbursements.
// Virtual-Accounts-as-a-Service · Banking
Give every user their own bank account.
Virtual-Accounts-as-a-Service issues dedicated Nigerian and Ghanaian virtual bank accounts for your users, so every collection is automatically matched and reconciled — no shared account, no manual matching.
~/dutch-api · vaas.sh
$ dutch-api virtual-accounts create \
--user usr_44c --currency NGN
{ "accountNumber": "0123456789", "bank": "Example Bank", "status": "active" }
--user usr_44c --currency NGN
{ "accountNumber": "0123456789", "bank": "Example Bank", "status": "active" }
200 OK· example response
// Introduction
How it works
01Create a virtual account — Generate a dedicated account number per user, in NGN or GHS.
02Receive payments — Funds sent to the account are matched to the user automatically.
03Reconcile instantly — A webhook fires the moment funds land — no manual matching.
// Banking capabilities
Nigeria Ghana Reconciliation
Banking capabilities
GHS virtual accounts
The same dedicated-account model, live in Ghana.
Automatic matching
Every inbound payment is matched to its account owner.
// Use casesFreelancers & creators Virtual assistants Marketplaces SMEs & invoicing Payroll & agents Fintechs & wallets
What teams build with it.
Get paid into a local bank account
Give each freelancer a dedicated NGN or GHS account to receive payouts from global marketplaces and payout platforms, such as Payoneer, where the platform accepts the account details.
Receive client payments locally
Virtual assistants working for overseas clients get a local account number to be paid into, then reconcile every payment automatically.
One account per seller
Issue each seller their own account so every payment is matched to the right seller with no manual reconciliation.
Match every invoice payment
Give each customer a dedicated account number so paid invoices are identified the moment funds arrive.
Collect and pay field teams
Assign accounts to agents, drivers and staff to collect on your behalf, with a webhook on every credit.
Fund wallets by bank transfer
Let your users top up their wallet with a normal bank transfer to their own dedicated account.
// The API
Every capability, as endpoints.
POST
/v1/collections/ngn/virtual-accountGenerate a Nigerian virtual account.
GET
/v1/walletsList every wallet and virtual account on your account.
POST
/v1/webhooksSubscribe to virtual account credit events.
// Virtual bank accounts
Virtual bank account pricing
A one-off issuing fee for each account you create for your users.
| Virtual account | USD | Local currency | XAF |
|---|---|---|---|
| NGN account, issuing fee | $1.00 | NGN 1,453 | XAF 640 |
| GHS account, issuing fee | $1.50 | GHS 19.21 | XAF 960 |
Practical scenarios
The prices you charge are examples only.
| Scenario | Dutch fee | Price you charge (example) | Your markup (profit) |
|---|---|---|---|
| Issue 1 NGN account | $1.00 | $2.00 | $1.00 |
| Issue 1 GHS account | $1.50 | $2.50 | $1.00 |
| Issue 200 NGN accounts | $200.00 | $400.00 | $200.00 |
| Issue 50 GHS accounts | $75.00 | $125.00 | $50.00 |
Local-currency and XAF amounts are indicative, at US$1 = 640 XAF and the exchange rates listed on the pricing page. The live rate is returned in your quotation before you confirm.
Your markup is yours. You can add your own margin on top of any Dutch API rate on this page. Whatever you add is your profit. Dutch adds no fees on top of the rates listed here.
Higher volumes, lower fees. Processing more? Negotiate lower fee tiers with Dutch. Talk to sales.
Start building today.
Request access and generate your first virtual account today.