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Send money to Nigeria

Find the best way to transfer money from New Zealand to Nigeria.



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  • Send cash online within minutes
  • Large range of destinations
  • No minimum transfer amount

Looking for the best way to send money from New Zealand to family, friends or businesses in Nigeria (or even to your own bank account)? Don't head straight to your New Zealander 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 zealands 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 NZ 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 New Zealand Dollars to Nigeria.

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WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
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How to send money to Nigeria from New Zealand

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 NZD 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 will need 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.

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 NZ 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 make international money transfers to Nigeria easy with bank transfers or cell phone top ups often offered as easy delivery options.
  • Transfer agents across NZ. Many transfer providers have locations dotted all across NZ, making it easy for you to send money that can be easily picked up in similar agent locations in Nigeria.
  • Cheques and money orders. If speed is not an issue, you can always pick up an international cheque from your bank or New Zealand Post 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 New Zealand onto your cell phone, into your Nigerian bank account, or as a cash pick-up.
  • Cheques and money orders. Both personal cheques 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 New Zealand to Nigeria, you'll need the following:

1. Photo identification

Most providers require a driver's license, passport or other New Zealander government-issued ID. You can send transfers without the above but may need to give alternate ID 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 cheques.

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 a 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 NZ?

The cost of sending money to Nigeria from New Zealand depends on the exchange rate between NZD 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 rat 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.

Frequently asked questions

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6 Responses

  1. Default Gravatar
    IkennaJanuary 5, 2018

    How to send money to Nigeria

    • Default Gravatar
      ArnoldJanuary 6, 2018

      Hi Ikenna,

      Thanks for your inquiry

      If you’re looking to send money to Nigeria from NZ, the most common way is through a bank transfer. Please contact your bank to set up the international payment feature before you can transfer funds.

      Hope this information helps

  2. Default Gravatar
    FadareNovember 12, 2017

    Someone is trying to send me money here in Nigeria but she’ can’t use WU or MG please what can be used and how

    • Default Gravatar
      DanielleNovember 12, 2017

      Hi Fadare,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      As mentioned above, you can also try using international money transfer services. To learn more about international money transfers, you may refer to this page. We can also check for other options depending on where the money will be coming from. Don’t hesitate to contact us back with more information so that we can assist you further.

      I hope this helps.


  3. Default Gravatar
    BgOctober 1, 2017

    Can money be send from New Zealand to Nigeria without questioning the sender ?

    • Avatarfinder Customer Care
      AnndyOctober 31, 2017Staff

      Hi Bg,

      Thanks for your question.

      I’m not sure what you mean by “without questioning the sender.” But to send money to Nigeria, you’ll need to provide the personal details of your recipient which include the name, contact details, address and identification documents. You can send money online through the money transfer website or you could also visit a local agent.


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