Send money to Nigeria and get more naira for every transfer
Compare the best apps for sending money to Nigeria from the USA, UK, Canada and Europe. We rank every provider by the naira your recipient actually receives, after fees and the exchange-rate margin.
- Ranked by naira received, never by commission
- Hidden exchange-rate margins shown for every app
- Up to date with the 2026 CBN naira-payout rules
Where are you sending from?
Each guide covers the best apps for that country, how to pay, how long it takes, and the tax and reporting rules that apply.
From USA
From UK
From Canada
From Europe
From UAE
From Ireland
From Australia
Sending the other way? Read how to send money from Nigeria to the USA, UK and Canada.
How to send money to Nigeria in 4 steps
Sending money to a Nigerian bank account online takes a few minutes once your account is verified.
Compare the naira received
Use the calculator above. The exchange rate matters more than the fee, so compare the final amount.
Sign up and verify your ID
Apps need a photo ID and your address. Larger amounts may need proof of address or source of funds.
Add your recipient's bank details
Their full name exactly as on the account, the bank name and the 10-digit account number.
Pay by debit card or bank transfer
A debit card is usually instant. Avoid credit cards, which are often charged as a cash advance.
Want more detail? Read our step-by-step guide to sending money to Nigeria or see the cheapest and fastest ways.
Rules that affect your transfer
Want dollars in a domiciliary account instead? See what still works.
Which is the best app to send money to Nigeria?
There is no single winner every day. These rules of thumb hold most of the time; the calculator shows today's result.
Everyday family support
For roughly $100 to $1,000, zero-fee apps such as LemFi, Taptap Send and Sendwave usually deliver the most naira, often within minutes.
Larger transfers
Wise uses the mid-market rate and charges a visible percentage fee, which tends to beat a hidden margin as the amount grows.
Recipient without a bank account
WorldRemit and Remitly offer naira cash pickup for small amounts, collected with a valid ID.
Answers to common questions
How to Send Dollars to a Domiciliary Account in Nigeria (2027)
What changed under the CBN naira-only remittance rules, and the routes that can still put US dollars into a Nigerian dom account.
Read guide → AlternativesCan You Use Zelle to Send Money to Nigeria? (2027)
The direct answer, and the quickest way to send from the same US bank account instead.
Read guide → AlternativesCan You Send Money to Nigeria With PayPal? (2027)
What PayPal can and cannot do for Nigeria, and how to get money from PayPal into a Nigerian bank account.
Read guide →Sending money to Nigeria: frequently asked questions
What is the best way to send money to Nigeria?
For most people, a money transfer app paid with a debit card is the fastest and cheapest way to send money to a Nigerian bank account. Zero-fee apps such as LemFi, Taptap Send and Sendwave usually deliver the most naira on everyday amounts, while Wise is often better for larger sums. The best provider changes daily, so compare the naira received before you send.
How long does it take to send money to Nigeria?
Paid by debit card, most app transfers reach a Nigerian bank account within minutes. Bank-funded transfers can take 1 to 3 business days to clear first, and international bank wires usually take 1 to 3 business days.
Can I send dollars to Nigeria?
Money transfer apps must pay recipients in Nigeria in naira under Central Bank of Nigeria rules introduced in 2024 and tightened in May 2026. To deliver US dollars into a domiciliary account, use a direct SWIFT wire from your bank.
What do I need to send money to a Nigerian bank account?
The recipient's full name exactly as on the account, their bank name and their 10-digit account number (NUBAN). You will also need to verify your own identity with the provider.
Can I send money to Nigeria with PayPal or Zelle?
Zelle only works within the US. PayPal is not a practical way to send money to Nigerian bank accounts. Use a licensed money transfer app instead; you can pay with the same bank card.