About sendmoneytonigeria
An independent comparison site that shows how much naira your recipient actually gets from each money transfer service, and explains the rules that affect sending money to Nigeria.
Why we built this
Most comparison sites are run from Europe or the US by people who have never had to chase a transfer that didn't land. They don't know what OPay is, why a name mismatch with a BVN gets a credit bounced, or what the Central Bank of Nigeria's naira-only payout rules mean for someone expecting dollars.
We built sendmoneytonigeria from the receiving end. Our focus is simple: for any amount, from any country, which service puts the most naira into a Nigerian account, how fast, and what can go wrong.
What we do
- Compare live rates. Rates from Wise, Western Union, Xoom, MoneyGram, Instarem, Taptap Send, Sendwave and Remitly update automatically twice a day from the providers' own public pricing. Other providers are checked and entered by hand.
- Rank by naira received. Every table is ordered by the amount your recipient gets after all fees and exchange-rate margins, not by who pays us.
- Explain the rules. Each country guide covers how to pay, how long transfers take, limits, tax and reporting rules, and Nigeria's own regulations.
- Review every provider. Our reviews cover fees, rates, speed, payout options, regulation and the common reasons transfers fail.
Our standards
1. Rankings by naira delivered
A provider that pays us nothing will rank first if it delivers the most naira. Commercial relationships never change the order of a table. Read our affiliate disclosure.
2. Evidence over marketing
Where we show a test transfer, it is a real transfer sent into a Nigerian bank account, with the amount, time and receiving bank recorded. Where we haven't tested a provider, we say so rather than inventing numbers, and ratings or scores we have not verified are left blank.
3. Full cost transparency
We publish each provider's exchange-rate margin against the mid-market rate, so a "no fee" headline cannot hide the real cost. See how we compare.
4. Accuracy and corrections
Rules and prices change. We date our rates, review guides when regulations move, and correct mistakes quickly. If you spot something wrong, email [email protected] and we will check it.
What we are not
We are not a bank, a money transfer operator or a financial adviser. We never hold or move your money: every transfer is made directly with the provider you choose, under its own licence and terms. Our content is general information, not personal financial advice.
Stay up to date
Follow our Telegram channel for the day's best rates, or use the live calculator any time.
Contact
Questions, corrections or partnership enquiries: [email protected].