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EUR to NGN

Send Money from Germany and Europe to Nigeria

Guide checked 10 November 2026 Ranked by amount received Indicative rates 10 providers compared
Best for everyday transfers
Taptap Send or LemFi: no upfront fee on most transfers from supported EU countries
Best for large transfers
Wise: mid-market rate with a visible fee, strong on larger amounts
Fastest
Taptap Send: says most Nigeria transfers arrive in under 3 minutes
Lowest fees
Taptap Send, LemFi, Sendwave: no upfront fee on most transfers

Compare rates to send money from Europe to Nigeria

€
These are indicative rates based on the mid-market rate, not live quotes from each provider. Always check the final rate in the provider's app before you send.
Provider Exchange rate Fee Recipient gets Action
#1

Wise

Under 10 mins · Mid-Market Rate
₦1,487.00
0.0% below mid-market
€2.28
₦442,710
Most received 		Send
#2

LemFi

Under 10 mins · Zero Upfront Fees
₦1,472.13
1.0% below mid-market
No fee
₦441,639
 Send
#3

TapTap Send

Under 10 mins · Zero Fees Always
₦1,467.67
1.3% below mid-market
No fee
₦440,301
 Send
#4

Sendwave

Under 10 mins · Zero Fee Pioneer
₦1,463.21
1.6% below mid-market
No fee
₦438,963
 Send
#5

Western Union

Under 10 mins · Biggest cash pickup network
₦1,471.88
1.0% below mid-market
€1.99
₦438,635
 Send
#6

MoneyGram

Under 10 mins · Cash pickup at bank branches
₦1,465.92
1.4% below mid-market
€1.99
₦436,859
 Send
#7

Instarem

Under 10 mins · Zero fee, bank-funded
₦1,448.59
2.6% below mid-market
No fee
₦434,577
 Send
#8

Xoom (PayPal)

Under 10 mins · Pay with PayPal
₦1,451.03
2.4% below mid-market
€1.69
₦432,857
 Send
#9

WorldRemit

Under 10 mins · Bank, Cash & Wallet
₦1,448.34
2.6% below mid-market
€1.99
₦431,620
 Send
#10

Remitly

Under 10 mins · High Promo Rate
₦1,442.39
3.0% below mid-market
€1.99
₦429,847
 Send

Ranked by the amount your recipient receives after the transfer fee, exchange-rate margin and any deposit or withdrawal fees. How we compare

Sending money from Europe to Nigeria works much like sending from the UK or US, but which apps you can use depends on the country you live in. Taptap Send says it serves senders across the EU. Sendwave lists France, Italy, Spain and Ireland. Wise, Remitly and WorldRemit cover most EU countries. LemFi has been expanding across Europe, so check its app for your country.

How to send money from Germany, France, Italy or Spain to Nigeria

  1. Check which providers serve your country, then compare the naira received in our calculator.
  2. Verify your identity with an EU ID card, passport or residence permit, and your address.
  3. Add your recipient's Nigerian bank details: full name, bank and 10-digit account number.
  4. Pay by debit card or SEPA bank transfer (SEPA Instant where your bank offers it).
  5. Track the transfer and keep the reference number.

Naira-only payouts

As with every other route, CBN rules require money transfer operators to pay recipients in Nigeria in naira. Euro or dollar payouts into domiciliary accounts are only possible by a direct bank transfer.

Best apps to send money from Europe to Nigeria

LemFi

Zero Upfront Fees Under 5 mins

LemFi is currently the leading consumer remittance app for transfers under $1,500 from the US, UK, and Canada to Nigeria. It offers $0 upfront fees on debit cards, instant delivery to OPay and commercial banks, and competitive exchange rates.

For €300: recipient gets ₦441,639, fee none, rate margin 1.0%.

Good forUse LemFi when sending between $50 and $1,500 using a debit card where immediate delivery to an OPay, PalmPay, or Nigerian commercial bank account is required.
Look elsewhere ifAvoid LemFi for corporate business payments requiring formal invoices, large wires over $10,000 without prior Tier 3 verification, or if the recipient needs cash pickup (LemFi pays into bank and wallet accounts only).
Bank accountOPay / PalmPay Pay: Debit cardPay: Bank transferPay: Apple Pay

TapTap Send

Zero Fees Always Instant

Taptap Send is an app-only money transfer service with no transfer fee on Nigeria transfers and an exchange rate that sits very close to the mid-market rate. On 8 November 2026 it was at or near the top of our table on the US, UK and Europe routes.

For €300: recipient gets ₦440,301, fee none, rate margin 1.3%.

Good forUse Taptap Send for everyday transfers to Nigerian bank accounts and wallets from the US, UK, Canada and Europe, paid by debit card.
Look elsewhere ifNot for cash pickup, for paying by bank transfer or credit card, or if you prefer a website to an app.
Bank accountOPay / PalmPay Pay: Debit card

Sendwave

Zero Fee Pioneer Under 10 mins

Sendwave is a zero-fee money transfer app owned by Zepz, the group behind WorldRemit. It pays naira into Nigerian bank accounts within minutes and its rates are consistently competitive, with a better rate for new customers and for larger amounts on some routes.

For €300: recipient gets ₦438,963, fee none, rate margin 1.6%.

Good forUse Sendwave for simple, fee-free transfers to Nigerian bank accounts from the US, UK, Canada and Europe, paid by debit card.
Look elsewhere ifNot for cash pickup or very large transfers, and compare first if you send regularly from the US, where Taptap Send was ahead on 8 November 2026.
Bank account Pay: Debit card

Wise

Mid-Market Rate 10–20 mins

Wise (formerly TransferWise) converts at the mid-market exchange rate and charges a visible fee instead of hiding a margin in the rate. That makes it one of the cheapest ways to send larger amounts to a Nigerian bank account, and the clearest on cost.

For €300: recipient gets ₦442,710, fee €2.28, rate margin 0.0%.

Good forUse Wise for larger transfers (roughly $1,000 and up), for paying Nigerian contractors or suppliers, or whenever you want to see exactly what you pay.
Look elsewhere ifAvoid Wise for small everyday transfers, where its fixed fee eats into the naira, and when your recipient needs cash pickup or a direct OPay or PalmPay credit.
Bank account Pay: Debit cardPay: Bank transferPay: ACHPay: Apple Pay

Remitly

High Promo Rate 1–5 mins (Express)

Remitly is a large, US-listed money transfer company that sends to Nigerian bank accounts, mobile wallets and cash pickup points. Its new-customer rate is often the best on the market for a first transfer, and its standard rate has become very competitive on some routes.

For €300: recipient gets ₦429,847, fee €1.99, rate margin 3.0%.

Good forUse Remitly for your first transfer to take the new-customer rate, when your recipient needs a small cash pickup, or on routes where its standard rate is near the top of our table.
Look elsewhere ifDon't assume the first-transfer rate will last: compare again for later transfers. Avoid the slower bank-funded option when the money is needed today.
Bank accountCash pickup Pay: Debit cardPay: Credit cardPay: Bank transfer

WorldRemit

Bank, Cash & Wallet Under 10 mins

WorldRemit is a long-established remittance company, part of the Zepz group alongside Sendwave. It sends naira to Nigerian bank accounts, mobile wallets and cash pickup points, and is a dependable option when your recipient needs cash.

For €300: recipient gets ₦431,620, fee €1.99, rate margin 2.6%.

Good forUse WorldRemit when your recipient needs a small naira cash pickup, or when you are sending from a country the app-first services do not cover.
Look elsewhere ifFor routine bank transfers, compare first: its rate margin is often wider than the zero-fee apps, and transfer fees can apply.
Bank accountCash pickup Pay: Debit cardPay: Credit cardPay: Apple PayPay: Bank transfer

Western Union

Biggest cash pickup network Minutes (cash) to same banking day

Western Union is the oldest and most widely recognised money transfer brand in Nigeria, with thousands of cash pickup points inside bank branches and the option to pay in person. It wins on reach and flexibility, not on price: for a plain bank transfer, app-first services usually deliver more naira.

For €300: recipient gets ₦438,635, fee €1.99, rate margin 1.0%.

Good forUse Western Union when your recipient needs to collect cash (up to about USD 200 equivalent), when you want to pay in cash or get help at an agent, or when you are sending from a country the newer apps do not cover.
Look elsewhere ifAvoid it for routine bank deposits where every naira counts: compare the amount received against LemFi, Taptap Send or Wise first. Avoid paying by credit card, which most card issuers treat as a cash advance.
Bank accountCash pickup Pay: Debit cardPay: Credit cardPay: Bank transfer

Xoom (PayPal)

Pay with PayPal Minutes for cash pickup

Xoom is PayPal's international money transfer service. You log in with your PayPal account, pay from your PayPal balance, bank or card, and Xoom pays naira into almost any Nigerian bank account or for cash pickup. It is convenient for PayPal users but rarely the cheapest option.

For €300: recipient gets ₦432,857, fee €1.69, rate margin 2.4%.

Good forUse Xoom when your money is already in PayPal, or when you want to send without opening a new account. It also suits small cash pickups at bank branches.
Look elsewhere ifAvoid it when the exchange rate matters most: specialist apps usually deliver more naira on a bank transfer. Avoid credit card funding, which can add cash advance fees.
Bank accountCash pickup Pay: Debit cardPay: Credit cardPay: Bank transfer

MoneyGram

Cash pickup at bank branches Minutes (cash), bank hours (deposit)

MoneyGram is a global money transfer network that pays out in Nigeria through partner banks, both as cash pickup over the counter and as deposits into most Nigerian bank accounts. It is dependable for cash and bank-branch collection, but its exchange rate margin is usually wider than the app-first services.

For €300: recipient gets ₦436,859, fee €1.99, rate margin 1.4%.

Good forUse MoneyGram when your recipient prefers to collect a small amount of cash at a bank branch, or when you want to pay in person at an agent.
Look elsewhere ifAvoid it for regular bank transfers if you want the most naira, and for amounts above the cash pickup cap, which must go to a bank account.
Bank accountCash pickup Pay: Debit cardPay: Credit cardPay: Bank transfer

Instarem

Zero fee, bank-funded Minutes to 2 business days

Instarem is a money transfer service owned by Nium, a Singapore-founded global payments company. It pays naira into Nigerian bank accounts, usually with no upfront fee, and gives rewards points on every transfer. You pay from your bank account rather than a card, and its exchange rate margin is often wider than the leading Nigeria apps.

For €300: recipient gets ₦434,577, fee none, rate margin 2.6%.

Good forUse Instarem if you prefer paying from your bank account, want no upfront fee, and like collecting rewards on regular transfers.
Look elsewhere ifAvoid it when you need money to arrive in minutes from a debit card, when your recipient needs cash or a mobile wallet, or when you want the best possible rate.
Bank account Pay: ACHPay: Bank transfer

For businesses, banks and money transfer operators

These providers do not serve individual senders, so they are not in the rate ranking above. They give businesses and financial institutions an API to pay out to Nigerian bank accounts, wallets and cash pickup points.

Swerve

B2B payout API

Swerve is a cross-border payout API for banks, money transfer operators, wallet providers, NGOs and corporates. Through one integration it disburses to bank accounts, mobile wallets and cash pickup points in 60+ countries, including Nigeria. It is not a consumer app.

Bank accountOPay / PalmPayCash pickup

How the money can arrive in Nigeria

  • Naira bank account. Any Nigerian bank, usually within minutes on app-based providers.
  • OPay, PalmPay and similar accounts. Supported by some apps, including Taptap Send.
  • Naira cash pickup. WorldRemit and Remitly, for small amounts only.
  • Euros or dollars into a domiciliary account. Only by direct SWIFT transfer from your bank.

How to pay from the eurozone

  • Debit card. Fast and usually the simplest option.
  • SEPA transfer. Cheap; SEPA Instant arrives in seconds if your bank supports it, while a standard SEPA transfer can take up to a business day.
  • Credit card. Avoid where possible because of cash-advance style fees.

Check the provider is authorised

In the EU, money transfer providers must be licensed as payment or e-money institutions, either in your country or in another EU country with a passport to operate in yours. Your national regulator (for example BaFin in Germany or the Banque de France / ACPR in France) publishes a register.

Tax and reporting in Europe

  • Some EU countries tax gifts. Germany, for example, has a gift tax with tax-free allowances that depend on your relationship to the recipient. France, Italy and Spain also have gift tax rules. Regular modest support for family is rarely an issue, but check your national rules before sending large sums.
  • Identity and source-of-funds checks are required under EU anti-money-laundering rules, especially for larger transfers.

This is general information, not tax or legal advice. Rules change; check with the relevant authority or an adviser for your situation.

Common delays from Europe to Nigeria

  1. Standard SEPA transfers can take up to a business day to reach the provider. Use a card or SEPA Instant for speed.
  2. Recipient name or account number mismatch.
  3. Tier 1 account limits in Nigeria (₦50,000 per day, ₦300,000 balance).
  4. Identity verification on your first larger transfer.

Sending money from Europe to Nigeria: FAQ

What is the best app to send money from Germany to Nigeria?

Taptap Send, Wise, Remitly and WorldRemit serve senders in Germany, and LemFi has been expanding in Europe. Compare the naira received for your amount in our calculator, as the exchange rate decides the winner on most days.

Can I send money from France, Italy or Spain to Nigeria?

Yes. Sendwave lists France, Italy, Spain and Ireland as sending countries, and Taptap Send, Wise, Remitly and WorldRemit cover most of the EU.

How long does it take to send euros to Nigeria?

Paid by debit card or SEPA Instant, app transfers usually reach Nigerian bank accounts within minutes. Standard SEPA transfers add up to a business day.

Do I pay tax on money I send from Europe to Nigeria?

It depends on your country. Germany, France, Italy and Spain all have gift tax rules with allowances. Normal family support is rarely affected, but check before sending large amounts.

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