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Send money to Nigeria

Find the best way to transfer money from the United States to Nigeria.

Looking for the best way to send money from the United States to family, friends or businesses in Nigeria (or even to your own bank account)? Don't head straight to your American bank - turn to online money transfer services instead. They nearly always offer better exchange rates and lower fees - which means for the same amount of dollars you send, the recipient will receive more nairas.

Compare ways of sending money to Nigeria

Use our table below to compare services that send money from America to Nigeria. Compare the money transfer providers' fees and speeds, then click "Go to site" when you've found the best one to send your US Dollars to Nigeria.

Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
XE
Within minutes
$3

View details
XE has fast transfers with low fees and a range of foreign currency tools.
WorldRemit
Within an hour
From $1.99

View details
Use code Take10USD to get $10 off when you spend $20. Valid till 31 January 2022. T&Cs apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
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Compare up to 4 providers

How to send money to Nigeria from the United States

Here's our simple process for sending a money transfer to Nigeria as a cash pickup or bank transfer - the two options are similar:

  1. Compare your options. Use our table above to find a money transfer provider that sends USD to Nigeria. One may be better for cash pickups while another might be better suited to a bank transfer. Once you've found the best one for your requirements, click Go to site.
  2. Register for an account. You'll need to give your name, address, contact details, proof of ID and method of payment.
  3. Provide recipient details. Enter your recipient's name and contact information. If you're sending straight to their Nigerian bank account, you'll need the account number, SWIFT or IBAN plus their bank branch's address.
  4. Enter the transfer amount. Check you're happy with the fees, exchange rates and transfer speed, then enter the amount you wish to send. Many services give the amount of Naira your recipient should receive, so double check this.
  5. Complete your transfer. Send your money transfer to Nigeria. Keep any reference number safe so you can track your transfer - your recipient may need it too.

If you send to a Nigerian bank account, your recipient just needs to wait for the funds to arrive. For a cash pick up, your Nigerian recipient will need to show some form of photo ID in order to pick up the funds. It's also important that you give them the transaction reference number to streamline the process.

For larger transfer amounts, you may need to phone the agent location to ensure it has enough cash available.

Ways to send and receive money

How to decide which option is best for you to send money to Nigeria.
  • Bank deposit. Most major banks in America let you wire money to banks in Nigeria. However, you might get weaker exchange rates and pay higher fees all for the privilege of a slower transfer.
  • Online money transfer services. Online companies like XE and WorldRemit make international money transfers to Nigeria easy with bank transfers or cell phone top ups often offered as easy delivery options.
  • Transfer agents across America. Many transfer providers have locations dotted all across America, making it easy for you to send money that can be easily picked up in similar agent locations in Nigeria.
  • Checks and money orders. If speed is not an issue, you can always pick up an international check from your bank or the US Postal Service to send to Nigeria.
  • Cash pick-up. you to collect cash, even if you don't have a bank account in Nigeria.
  • Bank deposit. If you have a Nigerian bank account, you can have money transferred directly into this without having to make any trips to a money transfer agent location.
  • PayPal. The Xoom app allows you to receive money from the United States onto your cell phone, into your Nigerian bank account, or as a cash pick-up.
  • Checks and money orders. Both personal checks and money orders can be sent directly to you where you live but these tend to be the slower options.

What documents do I need to transfer money to Nigeria?

To send money from the United States to Nigeria, you'll need the following:

1. Photo identification

Most providers require a driver's license, passport or other American government-issued ID. You can send transfers without ID but may need to give your instead.

2. Payment method

Your options depend on the provider's services. Popular methods include cash, debit or credit card payments, bank account transfers and personal checks.

3. Recipient information

You'll need their name (matching their ID) plus contact details. If sending to a Nigerian bank account, you'll need the a/c number, SWIFT and branch details.

What documents do I need to receive money in Nigeria?

To collect money in person in Nigeria, the recipient will need:

1. Transfer number

The reference number - sometimes called a PIN, MTCN or tracking number.

2. Government-issued ID

A official ID, such as an Nigerian passport or driving license.

3. The transfer amount

To know how much has been sent, usually to within 10% of the total.

4. Sender information

The sender's name and address and the country from where the money was sent.

How much does it cost to send money to Nigeria from America?

The cost of sending money to Nigeria from the United States depends on the exchange rate between USD to NGN, the fees, how you want your recipient to receive your transfer and the turnaround time:

  • Exchange rates. The mid-market rate is the rate banks and transfer services use to trade between one another. It is the best rate that you can get. But not all money transfer providers offer you this mid-market rate so compare the exchange rate you're offered to the mid-market rate and look for the smallest difference.
  • Transfer fees. Are you being charged a flat fee or a percentage of your transfer amount? For example, a provider offering to transfer your money to Nigeria for a flat or low fee might work out better if you plan to send a large amount.
  • Transfer speed. If you need your transfer to arrive quickly, you can pay for a quick delivery. Companies such as offer instant cash pickups but may charge more. If you're not in a rush, online money transfer services can offer the best value, usually getting your money to Nigeria faster and cheaper than banks.
  • Transfer limits. Find out how much you can send with each service. For example, one provider may have a send limit of $10,000 while another may allow you to transfer up to $1 million. For smaller transfers, check the fees. For large transfers, look harder at the exchange rate. Some providers encourage large transfers with low fees.
  • Transfer type. Does your recipient have a Nigerian bank account or is cash or cell phone top up the better option? Each transfer type will have different fees. For example, instant cash pickups tend to be more expensive than bank transfers.
  • Discounts. Some providers may offer you a free transfer simply for signing up while others may offer you a discount if you transfer more than a certain amount.
Looking for the best exchange rate? Discover the USD/NGN exchange rate rates and historical changes

Frequently asked questions

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80 Responses

    Default Gravatar
    OlumuyiwaDecember 10, 2020

    Can the recepient cash the sent money to Nigeria through moneygram in usd(dollar

      Avatarfinder Customer Care
      ZakDecember 10, 2020Staff

      Hi,
      Thank you for reaching out to finder.

      When you are setting up a transfer through MoneyGram you will have the option to choose the delivery method and currency. If USD is an option, then your recipient will be able to receive the money in USD. According to MoneyGram’s website you can send USD for cash pickup in Nigeria, but confirm that before you pay and send the money.

      I hope this clears things up.
      Regards,
      Zak

    Default Gravatar
    TracyDecember 11, 2019

    Please how can one send money from USA to Nigeria. Instant bank transfer as world remit has blocked my fiancé.

      Default Gravatar
      nikkiangcoDecember 12, 2019

      Hi Tracy,

      Thanks for your comment and I hope you are doing well.

      Sorry to hear that WorldRemit blocked your fiance. There are other international money transfer providers to Nigeria that you can consider using. Use the table above to compare money transfer providers in terms of fees, exchange rates and other features to help you find one that may be suitable for you.

      Once you’re ready, you can use the ‘Go to site’ button to sign up with your preferred service provider and start using their service or get in touch with their representatives for further inquiries you may have.

      A friendly reminder, observe the fluctuations of exchange rates as they can change anytime and read through the transfer process of the provider such as transfer fees, transfer options and transfer speed to set expectations for the receiver.

      Hope this helps and feel free to reach out to us again for further assistance.

      Best,
      Nikki

    Default Gravatar
    MaryJuly 11, 2019

    Please how can I receive money from India to my Nigeria account

      Avatarfinder Customer Care
      fayemanuelJuly 12, 2019Staff

      Hi Mary,

      Thanks for contacting Finder.

      Thanks for reaching out! Unfortunately, we don’t have a comparison page with a list of brands that allow you to send money from India to Nigeria. The companies listed above are available to people in the US only. You might want to check the Internet or your local area for any money transfer service provider who could accommodate your need.

      Kind Regards,

      Faye

    Default Gravatar
    NathanielJuly 4, 2019

    I want the requirement needed to transfer money from Mexico to Nigeria by bank account

      Avatarfinder Customer Care
      BellaJuly 4, 2019Staff

      Hi Nathaniel,

      Thanks for your inquiry.

      To make a wire transfer, you need the following details from your recipient:

      – full name
      – bank account number
      – bank routing number, SWIFT, BIC or IBAN codes (for international wire transfer)

      I hope this helps.

      Kind regards,
      Bella

    Default Gravatar
    JanetMarch 18, 2019

    What is the easiest way I can receive money from Algeria while am in Nigeria

      Default Gravatar
      nikkiangcoMarch 18, 2019

      Hi Janet,

      Thanks for reaching out! Unfortunately, we don’t have a comparison page with a list of brands that allow you to send money from Nigeria to Algeria. The companies listed above are available to people in the US only. You might want to check the money service providers available in Nigeroa.

      I’m sorry I couldn’t be of more help.

      Best,
      Nikki

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