Paga Group, a financial technology firm headquartered in the UK, has introduced a US‑based digital banking service targeted at Africans living in the US.

Provided in collaboration with a US‑regulated bank, the service enables customers to open and operate a US bank account using only a valid form of identification and a US residential address.

The initial deployment is aimed at Nigerians in the US and is presented as the opening phase of a wider international expansion.

The accounts include physical and virtual Visa debit cards and support Apple Pay, Google Pay and Plaid.

Via Plaid, account holders can connect to third‑party applications such as Robinhood and Venmo.

Account holders can also transfer funds to US and Nigerian bank accounts, with additional destination countries planned for later.

Paga positions the product as a banking and payments solution rather than a remittance tool, intended for users who maintain financial connections between the US and their countries of origin and prefer a single account for those needs.

The launch is described by the company as part of its ongoing efforts to broaden access to financial services and to extend its infrastructure role in Africa’s financial sector.

Paga founder and group CEO Tayo Oviosu said: “Millions of Africans abroad face unnecessary barriers to basic financial services.

“Opening a bank account, saving in a stable currency, or sending money home is often expensive, complicated, or out of reach. In the US alone, over 4.5 million African immigrants navigate a system that was never designed for them. We are breaking down those barriers.

“Paga’s US dollar account gives users access to an FDIC-insured current account, connected to the financial tools they use every day.

“It is simple, inclusive, and built for real-life needs. We are putting control back in the hands of the diaspora and laying the foundation for borderless banking for Africans everywhere.”