Best Money Transfer Options to Nigeria from UK

While still a new player next to some of the household names on this list, Ogvio is quickly emerging as one of the most innovative fintech platforms out there. Despite its minimalist appearance, this neobank has everything you need for secure, quick, and, most importantly, low-cost money transfers.

Ogvio is, hands down, the cheapest way to send money to Nigeria from UK, as long as both you and your recipient are registered users. This platform supports 100% free, instant user-to-user transfers, no matter where you're sending the money from or to. You can make payments to your Ogvio contacts in-app with their @Tag or have them give you a payment request link.

	OGVIO
Overall Score	9.8
Transaction Fees	Free-to-Low
Pricing Model	Per-transaction
Value For Money
Verdict	A global money transfer service with an additional volatile currency rate pegging to USD or EUR.
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Table: Ogvio main features.

When it comes to sending money to non-users, Ogvio still edges out traditional banks in both fees and speed. Unlike international wire transfers that go through the SWIFT network, Ogvio transfers are processed through local payment rails that are instant (or nearly instant) and cost much less. For bank transfers from or to UK, it uses Faster Payments, while NGN bank transfers are handled via Nigeria Local Transfer.

Note that to make a transfer from UK to Nigeria, you first need to deposit some GBP to your Ogvio account and then either send it to another Ogvio user in Nigeria or directly to their bank account as NGN. Upon deposit to Ogvio, any currency is automatically pegged to USD/ EUR. However, once you make a transfer out of Ogvio, you can choose from 40+ currencies to which your funds will be converted automatically.

For GBP bank transfers, there is a £1,000,000 limit per transfer. When sending NGN, on the other hand, there is a limit of ₦50,000,000 per transfer. However, there are no limits on how many transfers you can make, and also no limits when you send money to another Ogvio user.

Ogvio supports all the standard deposit methods, including topping up your account via a bank transfer, mobile wallet, or a credit/debit card. There's also an option to request money from other users by sharing your @Tag on social media or generating a request link with a specified amount of money you want to receive.

On top of all that, Ogvio is also the best way to send money from UK to Nigeria in the form of crypto. Thanks to its blockchain-based infrastructure, this neobank actually doubles as a self-custodial crypto wallet with a fiat off-ramp. You can deposit or withdraw USDC and even cash it out to a bank account, or swap it for BTC, ETH, and 7 more tokens directly in-app.

Ogvio's architecture contributes to its top-notch security, as well. Unlike traditional banks, this platform stores your funds in decentralized vaults, with no third parties or other intermediaries involved in handling them. Every Ogvio wallet is protected with 256-bit AES encryption. You can also turn on a transaction PIN as an extra guardrail when sending money to a new contact or transferring amounts over £500.

If you're looking for a reliable money transfer service that rewards regular users with volume-based discounts, Wise is definitely among the first apps to look into. With its reasonably low fees, a diverse range of payment and pick-up methods, and an intuitive workflow, it delivers one of the best money transfer to Nigeria from UK experiences in the current fintech scene.

Let's get straight to the fees first. The total cost of your transfer consists of the fees by the bank or the card network you're paying with, plus Wise's own platform fee. Unlike many other MTSs, it doesn't charge any exchange rate markup, only a small upfront fee. As of writing, the total fee for sending £100 to Nigeria ranges from £1.23 to £3.44, depending on your payment method.

	WISE
Overall Score	9.6
Transaction Fees	Varies
Pricing Model	Per-transaction
Value For Money
Verdict	A trusted digital remittance service with upfront fees and great rates, but limited options for cash delivery.
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Table: Wise main features

Wise's payment methods depend on the country you're sending from. In the UK, Wise integrates with 11 of the major banks in the country; if your bank account belongs to one of these, you can link it directly to your Wise account and carry out your transfers in just a couple of clicks. There's also an option to pay with a credit/debit card or a mobile wallet.

This platform has some of the most flexible setups for deposits and payments: you can top up your balance with GBP and automatically convert it to NGN upon transfer, or directly deposit NGN into your balance and pay for this deposit in GBP. Wise accounts are multi-currency, so users can hold 40+ currencies in a single account and convert or send them as needed.

As for delivery methods - unfortunately, Wise doesn't support cash pick-ups like some other candidates on this list. You can send money to a recipient's bank account, directly to their Wise balance, or to their email address with a payment link. But Wise makes up for this with one neat perk: it's possible to lock in the current exchange rate for up to 2 hours, as long as Wise receives the money within that time range.

Wise's tiered volume-based fee discount system makes it the best way to send money to Nigeria from UK in large amounts (this will be especially relevant to those financially supporting family members in Nigeria in the form of monthly remittances, for example). You get a 0.10% to 0.17% fee discount on any amount over £20,000 sent over a calendar month.

Western Union stands out for its long track record: founded in the mid-19th century, it introduced electronic money transfer services in 1871, making it the oldest money transfer service. It offers a broad range of payment and delivery method combinations, some of which don't require a bank account.

Western Union transfer fees depend on the payment method you use and how your recipient will pick up the money. On average, you can expect to pay between £3 and £9.5 for sending £100 to Nigeria. In addition, there's a 100% fee discount on first transfers. However, this platform does charge an exchange rate markup (included in the total fee).

	WESTERN UNION
Overall Score	9.4
Transaction Fees	Varies
Pricing Model	Per-transaction
Value For Money
Verdict	A global service trusted for decades for sending money digitally or in person, though often pricier than newer alternatives.
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Table: Western Union main features

As I mentioned above, the sheer variety of different ways to pay for a transfer or pick it up is where Western Union really shines. It's arguably the best money transfer to Nigeria from UK experience for those who prefer handling the process physically from start to finish: it's possible to both pay and receive the money in cash in one of WU's agent locations.

If you'd rather get it done online, Western Union supports the usual trio of bank transfer (regular or instant), mobile wallet, and credit/debit card as payment and delivery methods. It integrates with some of the most popular banks in Nigeria, including the First Bank of Nigeria, GTBank, and Access Bank.

Western Union's mobile app supports all of the same features as the online platform. You can check the transfer fees and exchange rates, set the preferred exchange rate alerts, save recipient details on a contact list, and track your transfers. You'll also find some neat additional features that are mobile-exclusive, such as card scanning (an extra authentication method to avoid accidental payments).

Like some of its other competitors, Western Union offers a 100% discount for new users on their first transfer. However, it's only available for online transfers, and keep in mind that exchange rates and potential third-party fees still apply. Regular users can enroll in the MyWU Rewards program and earn points for transfers, which can be exchanged for rewards (fee discounts or donations).

Remitly often ends up on various "Best app to send money to Nigeria from UK" lists for its user-friendliness and support for cash pick-ups. It has everything you need for both quick one-off transfers and regular remittances, and offers attractive discounts for first-time users.

While Remitly claims to have "no hidden fees", it still charges an exchange rate markup. While those making their first transfer get a 0% fee rate, the fee for subsequent transfers ranges from £1.99 to £3.99, depending on the exact corridor. First-time users also get a promotional exchange rate (although keep in mind that these offers are limited-time).

	REMITLY
Overall Score	8.3
Transaction Fees	Varies
Pricing Model	Per-transaction
Value For Money
Verdict	A beginner-friendly cross-border remittance solution.
	Visit site Read review

Table: Remitly main features

Remitly offers all the standard payment methods, including a credit/debit card (Visa or Maestro), mobile wallets, and a bank transfer. UK residents can also choose Open Banking as an instant alternative to regular bank transfers.

As for delivery methods, the recipient can get the money as a debit card deposit, have it delivered to their bank account or a mobile wallet, or pick it up in cash at one of the supported banks (Access Bank or GTBank). That last option puts Remitly among the best money transfer to Nigeria from UK apps for those sending money to someone without a bank account.

Remitly's transfer limits vary for each country. As of writing this, UK residents are allowed to send up to £75,000 per transfer. You can increase your transfer limits by submitting additional verification, such as proof of address. That said, be aware that the bank you're sending money to might have some additional restrictions.

When it comes to discounts, zero-fee first transfers and promotional exchange rates aren't the only types of deals you'll find on this app. Remitly's referral program lets users earn rewards for up to 20 successful referrals (invitees who sign up and complete at least one transfer). Rewards include fee discounts and exchange rate deals.

WorldRemit has been one of the leading money transfer services for years, thanks to its approachable interface and competitive fees. Like some of its other competitors on this list, it offers various deals for first-time users, and also stands out for offering airtime top-ups as an additional transfer type.

If you're a new user, WorldRemit is possibly the best way to send money to Nigeria from UK. As of writing, the first transfer has no fees at all (only the exchange rate markup). You'll also get a promotional exchange rate. The cost of your next transfer will vary depending on your chosen payment method.

	WORLDREMIT
Overall Score	9.0
Transaction Fees	Varies
Pricing Model	Per-transaction
Value For Money
Verdict	An easy-to-use digital transfer app for small to medium-sized remittances.
	Visit site Read review

Table: WorldRemit main features.

WorldRemit's payment methods include the standard set of a bank transfer, credit/debit card, or mobile wallet (if you're using the mobile WorldRemit app). You'll see the expected fees immediately after selecting the payment method. The average transfer time is on par with most other apps on this list - within 2 working days.

While most people will probably want to have the money delivered straight to their bank account, WorldRemit features one more option you won't find on many other alternatives: airtime top-ups. You can transfer the money to someone in the form of reloading their mobile phone data. This option doesn't require knowing your recipient's bank account, only their phone number.

WorldRemit's transfer limits to Nigeria depend on the user's KYC level. If you've only passed Level 1 (verification with a phone number), the maximum amount you can send is ₦30,000. Level 2 has a higher limit of ₦100,000 and requires a government ID and a photo verification. If you also submit a proof of address, your limit goes up to ₦1 million per transfer.

Aside from zero-fee first transfers from UK to Nigeria, WorldRemit also has a referral program. As soon as the person you invite completes their first transfer, they earn £10 while you get £25.

Want more flexible options for sending money to Nigeria? Paysend offers some unique advantages, such as making a transfer in either NGN or USD, as well as reasonable costs and an intuitive interface.

Paysend doesn't charge any separate platform fees of its own for bank transfers; the only cost will be the exchange rate markup. It also offers a special exchange rate on first transfers, letting new users save some money that way.

	PAYSEND
Overall Score	8.1
Transaction Fees	$1.5/transfer
Pricing Model	Per-transaction
Value For Money
Verdict	A user-friendly money transfer app for personal or bank-based cross-border transfers.
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Table: Paysend main features.

The available payment methods will depend on the country you're sending from or two, but in the case of UK > NG transfers, the only available option for both payment and delivery is a bank transfer.

However, Paysend makes up for this lack of range by offering a more flexible choice of currencies. Unlike most other alternatives that only allow sending NGN to Nigeria, this app lets you choose between sending NGN or USD. That makes it the best way to send money to Nigeria from UK for American residents using a USD-denominated bank account, just to name one use case.

How much you'll be able to send in a single transfer (or per day/month) depends on your KYC level. Those on the lowest tier can send £800–£900 per day or ~£10,000/month. A tier above allows ~£4,000–£5,000 per day or ~£16,000–£20,000/month. Meanwhile, users who've passed the highest KYC level can send up to £10,000 per day or £50,000 per month.

One more way to reap a bonus on Paysend, aside from a promotional exchange rate, is taking part in its referral program. Here's how it works: whenever you invite a friend, you'll receive £1 for the first 12 transfers they make within 12 months of signing up. In addition, your invitee gets a zero-fee first transfer and a promotional exchange rate.

Revolut isn't available in as many countries as some of the other apps on this list, but if you live in the EU or one of the other supported regions (including the UK, of course), it's arguably one of the best ways to send money from UK to Nigeria in USD or crypto with fully transparent fees.

Unfortunately, one of Revolut's main selling points - the option to send money for free to other Revolut users - doesn't apply in this case, since this neobank isn't available for Nigerian users. So the only way to send money is through an international bank transfer, which will cost you £3 (if you're transferring under £1,000).

	REVOLUT
Overall Score	8.6
Transaction Fees	Up to $10/transfer
Pricing Model	Plan + per-transaction
Value For Money
Verdict	An all-in-one finance app that makes global spending and investing effortless.
	Visit site Read review

Table: Revolut main features

Revolut offers all the standard ways to pay for the transfer. You can choose a bank transfer, credit/debit card, or a mobile wallet. On the downside, Revolut doesn't support NGN, so you'll only be able to send the money to Nigeria in US dollars.

Meanwhile, the person receiving the money can get it in their bank account or as a debit card deposit. Revolut also supports group payments for cases like splitting the bill.

This app is one of the best choices for crypto fans: Revolut supports 250+ tokens. Unlike with fiat payments, there are no geographical restrictions, and the only cost involved is network fees.

Another perk is that Revolut has no transfer limits on its own for most currencies and destination countries - or a limit that would be virtually impossible to exceed. In the case of UK > NG transfers, you can technically send up to $1 billion (though, of course, your own bank or the recipient's bank will likely have a lower transfer cap).