Sell USDT to Branch
Convert USDT on any supported network and receive naira to your Branch account in 10 to 30 seconds.
USDT → Branch, Step by Step
Branch's digital banking platform clears Monica payouts via NIBSS. Popular with younger Lagos users. The flow on Monica is the same for every bank. What differs is the timing on the bank side. Branch sits in the digital bank category, with typical clearing of 10 to 30 seconds for NIBSS instant transfers.
Monica convertsAt the live rate, the moment the network confirms0% feeHow a USDT-to-Branch Payout Works
Add your Branch account
Open Monica, go to Bank Accounts, choose Branch, enter your account number. Auto-verified in seconds.
Send USDT to Monica
From your external wallet, send USDT to your permanent Monica deposit address. Use the network shown beside the address.
Conversion runs automatically
Once onchain confirmation lands, naira credits to your Monica balance at the live mid-market rate. 0% fee.
Withdraw to Branch
Tap Withdraw, choose your saved Branch account, type the amount. NIBSS clears in 10 to 30 seconds.
Common Branch Payout Issues and How Monica Handles Them
Monica auto-verifies the account name when you add a Branch 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 10 to 30 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 Branch restricts your account independently (PND, a KYC query, 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.
FAQ Withdrawing to Branch
How long does a Branch payout take from Monica?
10 to 30 seconds typical clearing. Branch's digital banking platform clears Monica payouts via NIBSS. Popular with younger Lagos users.
Are there fees for withdrawing to Branch?
No. Monica charges 0% on all bank withdrawals including Branch. The amount you see in the withdrawal screen is the amount that hits your Branch account.
What is the daily withdrawal limit to Branch?
₦5,000,000/day default. Higher limits available for verified business accounts common for traders moving large USDT volumes for supplier payments.
Can I withdraw USDT earnings to Branch on weekends?
Yes. Branch processes NIBSS instant transfers 24/7 including weekends and public holidays. Sunday-night Monica withdrawals to Branch clear at the same speed as weekday withdrawals.
Does Monica work with both Branch personal and business accounts?
Yes. Both account types are supported. Business accounts at Branch can request higher daily limits via Monica support.
What if my Branch account is frozen?
That's a Branch 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.
How do I add my Branch account to Monica?
Open the Monica app, go to Settings → Bank Accounts, tap Add Account, choose Branch from the list, enter your account number. The system auto-verifies your account name. Save and use for future withdrawals.
Is Branch the quick bank for Monica payouts?
Yes Branch's digital banking platform clears Monica payouts via NIBSS. Popular with younger Lagos users.
Other Banks We Support
Monica works with every Nigerian bank on NIBSS: every commercial bank, every digital bank, every microfinance bank. Tap any bank below for its dedicated payout page.
Opay
Kuda
Moniepoint
Palmpay
GTBank
Access Bank
Zenith Bank
UBAFIFirst Bank
Stanbic IBTC
FCMB
Wema Bank (ALAT)
Sterling Bank
Polaris Bank
Union BankFIFidelity Bank
Ecobank
Keystone BankHEHeritage Bank
CarbonVBVBank
SparkleRURubiesEYEyowoMIMintyn
FairMoneyRERenmoneyBRBranchAEAellaUNUnity Bank
ProvidusGLGlobusTITitan TrustCOCoronation
Jaiz BankTATAJ BankSUSunTrustPRPremium TrustOPOptimusLOLotusAfter You Convert: Your Naira Works Right Here
The naira from your crypto doesn't have to leave Monica, spend it in the same app.
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Set up Branch crypto payouts
Add your Branch account, deposit crypto, withdraw naira in 10 to 30 seconds.