Sell USDT to Unity Bank
Convert USDT on any supported network and receive naira to your Unity Bank account within 60 seconds of the network confirming.
USDT → Unity Bank, Step by Step
Unity Bank clears Monica payouts reliably via NIBSS. The flow on Monica is the same for every bank. What differs is the timing on the bank side. Unity Bank sits in the tier-2 bank category, with typical clearing of within 60 seconds of the network confirming for NIBSS instant transfers.
Monica convertsAt the live rate, the moment the network confirms0% feeHow a USDT-to-Unity Bank Payout Works
Add your Unity Bank account
Open Monica, go to Bank Accounts, choose Unity Bank, 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 Unity Bank
Tap Withdraw, choose your saved Unity Bank account, type the amount. NIBSS clears within 60 seconds of the network confirming.
Common Unity Bank Payout Issues and How Monica Handles Them
Monica auto-verifies the account name when you add a Unity 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 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 Unity Bank 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 Unity Bank
How long does a Unity Bank payout take from Monica?
Under 60 seconds typical clearing. Unity Bank clears Monica payouts reliably via NIBSS.
Are there fees for withdrawing to Unity Bank?
No. Monica charges 0% on all bank withdrawals including Unity Bank. The amount you see in the withdrawal screen is the amount that hits your Unity Bank account.
What is the daily withdrawal limit to Unity Bank?
Standard CBN limits apply. Higher limits available for verified business accounts common for traders moving large USDT volumes for supplier payments.
Can I withdraw USDT earnings to Unity Bank on weekends?
Yes. Unity Bank processes NIBSS instant transfers 24/7 including weekends and public holidays. Sunday-night Monica withdrawals to Unity Bank clear at the same speed as weekday withdrawals.
Does Monica work with both Unity Bank personal and business accounts?
Yes. Both account types are supported. Business accounts at Unity Bank can request higher daily limits via Monica support.
What if my Unity Bank account is frozen?
That's a Unity 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.
How do I add my Unity Bank account to Monica?
Open the Monica app, go to Settings → Bank Accounts, tap Add Account, choose Unity Bank from the list, enter your account number. The system auto-verifies your account name. Save and use for future withdrawals.
Is Unity Bank the quick bank for Monica payouts?
Among the tier 1 commercial banks, Unity Bank clears within 60 seconds of the network confirming. Digital banks (Opay, Kuda, Moniepoint, Palmpay) are typically faster at 5 to 10 seconds.
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 Unity Bank crypto payouts
Add your Unity Bank account, deposit crypto, withdraw naira within 60 seconds of the network confirming.