Send BTC to your Monica wallet, receive naira to your Heritage Bank account in 60–180 seconds. The fastest BTC-to-Heritage Bank flow in Nigeria.
Direct payout to Heritage Bank • 60–180 seconds typical clearing
Heritage Bank clears Monica payouts via NIBSS. Slightly slower clearing than tier 1 banks but reliable. The flow on Monica is the same regardless of bank what differs is the timing on the bank side. Heritage Bank sits in the tier-2 bank category, with typical clearing of 60–180 seconds for NIBSS instant transfers.
Open Monica, go to Bank Accounts, choose Heritage Bank, enter your account number. Auto-verified in seconds.
From your external wallet, send BTC to your permanent Monica deposit address. Use the network shown beside the address.
Once onchain confirmation lands, naira credits to your Monica balance at the live mid-market rate. 0% fee.
Tap Withdraw, choose your saved Heritage Bank account, type the amount. NIBSS clears in 60–180 seconds.
Monica auto-verifies the account name when you add a Heritage Bank account. If the name doesn't match, the system blocks the save preventing payouts to wrong accounts before they happen.
If a NIBSS transfer takes longer than 60–180 seconds, the funds are guaranteed by the rail itself. Worst case: the amount reverses to your Monica balance within 24 hours and you can re-attempt.
If Heritage Bank restricts your account independently (PND, BVN issue, AML flag), the payout reverses cleanly to your Monica balance. You then withdraw to a different bank.
Failed bank transfers are reversed to your Monica balance automatically. No support tickets needed for the standard failure modes.
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60–180 seconds typical clearing. Heritage Bank clears Monica payouts via NIBSS. Slightly slower clearing than tier 1 banks but reliable.
No. Monica charges 0% on all bank withdrawals including Heritage Bank. The amount you see in the withdrawal screen is the amount that hits your Heritage Bank account.
Standard CBN limits apply. Higher limits available for verified business accounts common for traders moving large USDT volumes for supplier payments.
Yes. Heritage Bank processes NIBSS instant transfers 24/7 including weekends and public holidays. Sunday-night Monica withdrawals to Heritage Bank clear at the same speed as weekday withdrawals.
Yes. Both account types are supported. Business accounts at Heritage Bank can request higher daily limits via Monica support.
That's a Heritage Bank matter, not a Monica one. If a withdrawal fails because your bank account is restricted, the naira returns to your Monica balance and you can withdraw to a different bank.
Open the Monica app, go to Settings → Bank Accounts, tap Add Account, choose Heritage Bank from the list, enter your account number. The system auto-verifies your account name. Save and use for future withdrawals.
Among the tier 1 commercial banks, Heritage Bank clears in 60–180 seconds. Digital banks (Opay, Kuda, Moniepoint, Palmpay) are typically faster at 5 to 10 seconds.
Monica works with every NIBSS-connected bank in Nigeria every commercial bank, every digital bank, every microfinance bank. Tap any bank below for its dedicated payout page.
Add your Heritage Bank account, deposit crypto, withdraw naira in 60–180 seconds.
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