Tired of High Fees Eating Into Your Freelance Earnings?

Cenoa is the financial platform for Nigerian freelancers. Get a free US dollar account to receive payments from Upwork, Fiverr, and global clients with fees up to 10x lower. Get paid what you're worth, faster. Trusted by Stripe and Mastercard.

Don't Let High Fees Diminish Your Hard-Earned Money

Cenoa was built for freelancers to maximize their earnings. Our efficient structure, powered by partners like Stripe and Mastercard, means you keep more of what you earn from platforms like Upwork and Fiverr. The numbers speak for themselves.

Up to 90%

Lower fees on international payments compared to traditional platforms.

85x

Growth in daily payments as more freelancers switch to Cenoa.

3 Minutes

Is all it takes to open your free US Dollar account and start receiving funds.

Your Global Earnings, Simplified in Three Steps

Open Your Free US Account

Get a free, fully functional US bank account in your name in just 3 minutes. All you need is your ID. No paperwork, no monthly fees, no hassle.

Receive Client Payments

Easily link your new US account to Upwork, Fiverr, Deel, and other platforms. Receive payments from international clients with a simple, low 0.5% fee.

Withdraw to Your Bank

Instantly transfer your earnings from your Cenoa wallet to your local Nigerian bank account. Access your money in minutes, not days.

Get Paid From the Platforms You Already Use

Your free Cenoa US account integrates directly with major freelance and e-commerce platforms like Upwork, Fiverr, and Deel. Receive your earnings seamlessly and avoid the excessive fees charged by other services.

Backed by Global Leaders in Finance

Your funds are handled with world-class security. Cenoa's partnerships with industry leaders like Stripe and Mastercard ensure your payments are safe, secure, and reliable.

Ready to Get Paid Faster and Keep More of Your Money?

Open your free US dollar account in just 3 minutes. No hidden fees, no monthly charges. Join thousands of Nigerian freelancers getting paid from Upwork, Fiverr, and global clients the smart way.

Frequently Asked Questions

What is Cenoa?

Cenoa is a global financial platform designed for freelancers and exporters. It allows you to receive payments from platforms like Upwork, Amazon, and Etsy with fees up to 10x lower than other services. You can open a free US bank account in minutes with just your ID.

Who is Cenoa for?

Cenoa is ideal for freelancers earning income on platforms like Upwork, Fiverr, or Deel, e-commerce sellers on Amazon or Etsy, and any business owner receiving payments directly from US-based clients.

How much does it cost to open a US account?

It is completely free to open a US bank account with Cenoa. There are no monthly or annual account maintenance fees.

How low are the fees, really?

Our fees are up to 10x lower than platforms like Payoneer. Receiving a payment from the US and withdrawing it to your local bank account has a total cost of around 1%. This means on a ₦1,000,000 transaction, you could save over ₦70,000 in fees.

Is Cenoa safe and reliable?

Yes. Cenoa was selected for the Mastercard Start Path program and all transactions are processed through global financial partners like Stripe and Lead Bank. Your US bank account is a real, fully functional account provided via Bridge (a Stripe company).

How quickly can I access my money?

Receiving payments from the US typically takes 1-3 business days. Once the funds are in your Cenoa wallet, you can withdraw them to your local Nigerian bank account in minutes. Peer-to-peer transfers between Cenoa users are instant and free.