How to Open a Domiciliary Account at Heritage Bank: Steps and Rates
16 October 2026 - Naira BriefingA Heritage Bank domiciliary account lets you hold USD, GBP or EUR without converting to naira straight away — useful if you receive from abroad or save in hard currency. The steps mirror other banks, so pair this with our domiciliary account guide.
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Edit the message below and tap send — we reply with the current rate and can handle the transfer end to end.
What you need
- Valid photo ID, BVN and passport photos.
- Proof of address and the account-opening form.
- For businesses, your incorporation documents.
Funding and the conversion rate
Inward transfers arrive in their original currency; the cost appears when you convert naira in or dollars out, and the bank rate can trail the market — see how banks price FX. A dom account gives timing control, but the conversion is where the money is. Compare against the live USD rate.
Converting for a dom account? Message us — we settle naira-to-dollar both ways at a market-based rate.
Converting for a dom account?
We handle naira-to-dollar both ways at a market-based rate, cleanly.
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