Send Money to Nigeria
Compare the naira your recipient gets from each provider CheckRate tracks. Free, no sign-up.
Choose your sending currency
Select where you are sending from to see live rates and compare all providers.
Highest rate today
960.50NGN
per 1 CAD · 26m ago
6 providers compared
Compare all providers →Highest rate today
1,807.00NGN
per 1 GBP · 26m ago
5 providers compared
Compare all providers →Highest rate today
1,360.00NGN
per 1 USD · 26m ago
5 providers compared
Compare all providers →Highest rate today
1,522.00NGN
per 1 EUR · 26m ago
5 providers compared
Compare all providers →Sending money to Nigeria
CheckRate compares naira rates for transfers to Nigeria from Canada, the UK, the US and Europe. Recipients should expect naira: a Central Bank of Nigeria circular, effective 1 May 2026, requires money transfer operators to pay out through naira settlement accounts, and Sendwave says US dollar remittances to Nigeria are no longer permitted. Payout options differ by provider. Taptap Send lists bank transfer to 24 institutions including OPay, PalmPay, Moniepoint and Kuda; Sendwave lists bank deposit and cash pickup but no mobile wallets for Nigeria. Pick your sending currency above to see each route, including what our rate records show for it.
Rates shown are the latest checked by CheckRate. Always confirm the final rate and fees on the provider's platform before sending. CheckRate does not handle your money; we compare so you can decide.
How to use CheckRate
- 1Pick your sending currency above.
- 2Click Compare all providers to see live rates side by side.
- 3Enter your send amount to see the exact estimated receive amount.
- 4Open the provider you choose and confirm the final amount in its app before you pay.
Rates are latest checked. Not guaranteed final amounts. Always confirm on the provider's platform.
Frequently Asked Questions: Sending Money to Nigeria
Which providers does CheckRate compare for sending money to Nigeria?
From Canada (CAD): Sendwave, LemFi, Remitly, Wise, Remitbee, Pesa and Taptap Send. From the UK (GBP): Sendwave, Wise, Pesa, LemFi, Remitly and Taptap Send. From the US (USD): Sendwave, LemFi, Wise, Pesa, Taptap Send and Remitly. From Europe (EUR): Taptap Send, Wise, Remitly, Pesa, LemFi and Sendwave. A provider appears when its rate for that route has been collected within the last day, so the lists can change. CheckRate is not paid by these providers.
Which provider pays the most naira?
It depends on where you send from, and it changes. In CheckRate's records for the last 120 days (only days with at least three providers, Wise and promotional rates excluded), from Canada (CAD), Pesa had the highest standard rate on 42 of 75 days; from the UK (GBP), Pesa had the highest standard rate on 51 of 75 days; from the US (USD), Pesa had the highest standard rate on 73 of 75 days; from Europe (EUR), Pesa had the highest standard rate on 41 of 75 days. A transfer fee can change the order, so compare the amount received on the day you send.
Will my recipient in Nigeria get naira or dollars?
Expect naira. On 24 March 2026 the Central Bank of Nigeria issued a circular to money transfer operators, effective 1 May 2026, requiring payouts to go through their naira settlement accounts, which ThisDay reported as naira-only payout. Sendwave says US dollar remittances to Nigeria, including to domiciliary accounts, are no longer permitted. Nigerian bank account numbers (NUBAN) have 10 digits, so check the number carefully before you send.
Can I send money to OPay, PalmPay or Moniepoint?
With some providers. Taptap Send's Nigeria help page (updated 8 October 2026) lists bank transfer to 24 institutions, including OPay, PalmPay, Moniepoint and Kuda as well as GTBank, Access, Zenith, UBA and First Bank. Sendwave lists bank deposit to naira accounts and cash pickup at Access, Zenith and Fidelity Bank, with no mobile wallets for Nigeria. Remitly lists bank deposit, cash pickup and mobile wallet, and Pesa pays to a naira bank account or mobile wallet. Check the recipient options in the app before you send.
How long does a transfer to Nigeria take?
It depends on the provider and the payout method, and each provider shows its own estimate before you pay. Taptap Send says 95% of its Nigeria transfers arrive in under 2 minutes, but some can take up to 2 working days to appear. LemFi says usually within minutes. CheckRate does not measure delivery times.
Does the US remittance tax apply if I send from the United States?
Only if you pay in cash or a similar physical instrument. The 1% federal remittance transfer tax that started on 1 January 2026 applies, according to IRS Notice 2025-55, only to transfers funded with cash, a money order, a cashier's check or a similar physical instrument. Proposed regulations published in April 2026 exclude transfers paid from a bank account or with a US-issued debit or credit card.
Why do providers pay different amounts for the same transfer?
Each provider sets its own exchange rate, which is usually below the mid-market rate, and some add a transfer fee. CheckRate shows the estimated amount received after the fee we have on record, so you can compare like with like. The provider's app shows the final figure before you confirm.