United States → Nigeria
Cheapest way to send money to Nigeria 🇳🇬
Sends to Nigeria live or die on the naira rate. Two apps can show the same “$0 fee” and deliver thousands of naira apart on the same day. Below, every major service is compared on the same send — fee plus exchange rate — ranked by how many Nigerian naira your family actually receives.
Market reference: 1 USD ≈ 1,403.85 NGN (checked November 13, 2026). Ranked by what the receiver gets — never by what we earn.
Rows marked Preview rate are estimates still being verified against each provider’s own pages — the verified figures on this page were last checked November 13, 2026. Always confirm the final amount in the provider’s app before you send.
| Service | Fee | Rate (per $1) | Total cost | Receiver gets | |
|---|---|---|---|---|---|
| Sendwave Most receivedMobile-money specialist for Africa sends, no transfer fee — the cost sits in the rate.Preview rate | $0 | 1,458 NGN | —estimate — cost not shown for preview rates | 729,000 NGN | Visit |
| WorldRemitDigital sends with bank, mobile money and cash pickup options in most corridors.Preview rate | $2.99 | 1,436 NGN | —estimate — cost not shown for preview rates | 718,000 NGN | Visit |
| Western UnionThe cash-agent giant — everywhere, but the cost usually sits in both the fee and the rate.Preview rate | $4.99 | 1,421 NGN | —estimate — cost not shown for preview rates | 710,500 NGN | Visit |
| WiseMid-market rate with an upfront percentage fee. Listed for honest comparison — no referral link yet.Rate checked November 13, 2026 | $4.400.52% of amount | 1,403.71 NGN | ≈ $4.450.9% of send | 701,855 NGN | Visit |
Wise’s own compare page (live 2026-11-13, wise.com/us/compare/?sendAmount=500&sourceCurrency=USD&targetCurrency=NGN): $500 send → rate 1,403.71, total fees $4.40, recipient gets 695,678.68 NGN; a $26,995 send the same day showed fees of $142.24. Fee modeled as $1.80 + 0.52%, which reproduces the $500 fee exactly. Wise deducts its fee from the amount sent in reality; Nkap shows fees on top, the same convention used for every provider here. | |||||
| XeCurrency-exchange specialist; bank-transfer sends priced close to the market rate.Rate checked November 13, 2026 | $0 | 1,390.55 NGN | ≈ $4.740.9% of send | 695,274 NGN | Visit |
Quoted on a $1,000 transfer by bank transfer: recipient gets 1,390,548 NGN, $0.00 additional fee (Xe’s own send-money-to-Nigeria page, live 2026-11-13). | |||||
| RemitlyDigital-first sends with new-customer welcome rates. Chiale is a Remitly Ambassador.Rate checked November 13, 2026 | $0 | 1,356.71 NGN | ≈ $16.793.4% of send | 678,355 NGNNew customers: 692,655 NGN | Visit |
★ Welcome rate 1,385.31 NGN per $1 — new customers only, first $500 only. Standard rate shown in the ranking. Remitly’s own GoMoney partner page (remitly.com/us/en/providers-nigeria/send-money-to-gomoney, crawled 2026-11-12): standard 1,356.71 NGN per $1, welcome 1,385.31 on the first $500, zero fees. Other Remitly partner pages showed similar standard rates (e.g. 1,361.92). New to Remitly? Enter ambassador code AMB887P when you sign up or before your first transfer of $40 or more to get $20 off that transfer. Money in America earns a referral bonus when you do — at no extra cost to you. | |||||
On $500.00, the best and worst options above differ by 50,645 NGN — money your family either receives or loses to fees and the rate. That gap, not the headline fee, is the number to check before every send.
Receiving in Nigeria
Bank transfer is the standard payout in Nigeria, with cash pickup available at agent locations in most cities.
Payout method matters: the same service can pay a different rate for mobile money, bank deposit and cash pickup. Nkap’s figures use each provider’s standard online quote for this corridor — check the exact payout you plan to use in the provider’s app before sending.
Before you send to Nigeria
- Compare the amount received — in home currency, same payout method — across two or three apps before you confirm. It takes 60 seconds.
- Watch for first-transfer welcome rates: they are real savings once, but the standard rate is what your monthly sends will actually get.
- When you can, send on a weekday — rates are usually steadier than at weekends.
- Keep your receipts and a screenshot of the amount promised. If less arrives, you have proof.