Send Money to Nigeria: The Smart Way (Fees, Rates, Speed)
Sending money to Nigeria shouldn't be guesswork. AyaSend compares real-time offers from trusted providers so you can see the total cost, delivery speed, and payout options in one place—then click Send now with confidence.
Quick Checklist: Choosing the Best Offer
- Total cost = transfer fee + FX rate margin
- Delivery speed: instant, minutes, same day, or 1–2 business days
- Payout methods: NGN bank deposit, cash pickup, or mobile money
- Promo eligibility: new-user discounts are often available
- Limits & ID: depend on provider, corridor, and payment method
Popular Providers to Nigeria
| Provider | Typical Fee (USD 200) | Transfer Time | Payout Method |
|---|---|---|---|
| Wise | $2–3 | 1–2 days | Bank deposit |
| Remitly | $3–5 | Instant–1 h | Bank, Mobile Money, Cash pickup |
| WorldRemit | ≈$3 | ≈1 h | Bank, Cash pickup |
| Sendwave | $0 | Instant | Mobile Money |
| Ria / Western Union | $4–5 | Same day | Cash pickup |
💡 AyaSend ranks offers by "You receive" so you instantly know who pays out the most NGN after fees.
Typical Payout Options
- Bank deposit (NGN): GTBank, Zenith, Access, UBA, First Bank, etc.
- Cash pickup: partner branches & agents (ID required)
- Mobile wallets: limited availability; check provider details on AyaSend
How to Send Money to Nigeria with AyaSend
- Visit AyaSend.
- Choose your currency → Nigeria (NGN).
- Enter the amount and review the live offers.
- Compare You receive, fees, rate, and speed.
- Click Send Now on your preferred provider.
Understanding Fees
- Transfer fee: fixed or tiered per provider
- FX margin: small % added to the rate—often the biggest cost
- Other charges: card or bank network fees (rare with modern fintechs)
Speed & Limits
- Instant / Minutes: card → cash pickup or fast bank rails
- Same-day / 1 day: ACH / SEPA → bank deposit
- Limits: vary by provider, payment method, and KYC level
Safety
AyaSend only links to licensed money transfer companies. Always verify recipient details and complete KYC securely on the provider's site.
FAQs
1) What's the cheapest way to send to Nigeria?
It changes daily—compare on AyaSend and sort by You receive.
2) How fast can my transfer arrive?
From minutes (card → cash pickup/fast bank) to 1–2 business days (bank transfer).
3) Can I send to any bank?
Yes, most major Nigerian banks are supported.
4) What documents are needed?
Government ID; higher limits may require source-of-funds verification.
5) Are there promo codes?
Yes—many providers have new-user promos displayed on AyaSend.
6) Is cash pickup available?
Yes, via certain partners such as Ria, WorldRemit, and Remitly.
Start Now
👉 Compare live rates to Nigeria and send with confidence.
