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If you’ve ever tried sending money to Nigeria, you know it can get tricky with high fees and slow delivery times. Sometimes the money takes so long to arrive that your family ends up calling just to check if you actually sent it. That’s why finding the best way to send money to Nigeria can make all the difference.
But, what is the best way? The answer is through money transfer apps like Ogvio, which are built to move funds quickly, securely, and at fair rates. Some even offer extra benefits like crypto support and reward programs similar to airdrops, giving you more value beyond a standard transfer.
I’ve compiled this list of best money apps for you:
- Ogvio - Next-Gen Money Transfer App
- Western Union - Trusted Worldwide for Money Transfers
- MoneyGram - Fast and Flexible Transfers Worldwide
- WorldRemit - Transparent and Easy to Use
- Wise - Affordable and Global Transfers
- Revolut - Smart and Reliable Money App
- Remitly - Trusted for Quick Transfers
I’m sure you’re as eager as me to go through each of them, so let’s get started.
1. Ogvio - Next-Gen Money Transfer App
Ranks #1 out of 7 Money Transfer Services
- + Remittance-oriented
- + Instant transfers
- + Incremental-to-no fees
- + Crypto support
- + @Tag functionality
- + Free transfers between users
- - No card (coming soon)
Ogvio has all the best features to solve how to send money to Nigeria easily, without any hidden fees. It offers no-freeze, quick money transfers with little to no costs. So if you’re sending funds to family or paying someone for services, Ogvio makes transfers fast and affordable.
You can use Ogvio in 160+ countries with 40+ currencies. So you’re covered if, let’s say, you’re trying to find out how to send money to Nigeria from the UK, Italy or somewhere else.
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UK
Germany
France+160 more |
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EN ID CN +6 more |
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USD
EUR
CAD+40 more |
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USDC
BTC
ETH+ 7 more |
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Table: Ogvio's global coverage.
Once you deposit your chosen currency to Ogvio, it's automatically converted to USD or EUR, protecting your funds from local inflation or currency depreciation. It's a simple way to make sure you keep your money's value.
When you send money from Ogvio to a bank account, it will be automatically converted to your chosen currency, showing all the related costs upfront.
While the app is focused on fiat transactions, you can also send and receive USDC on Base and trade it to other supported assets on Ogvio (like BTC, ETH, etc.). Base is a secure and scalable blockchain network backed by Coinbase.
There’s a growing number of Nigerians who already trade or receive payments in crypto, so being able to send funds with this currency can make the process more flexible and future-ready. Plus, Ogvio allows you to easily turn your USDC to cash, withdrawing it as NGN into a Nigerian bank account.
📚 Read More: Best Crypto Exchanges in Nigeria
On top of all that, Ogvio offers the same convenience for receiving money. If you’re on the other end, you can get paid instantly through your Ogvio account with no wait and no hidden fees.
You can create your account for free, choose your unique Ogvio @Tag, top up (via a bank transfer, crypto or card payment), and you'll be ready to send money to Nigeria. Just note that you have to pass KYC to unlock bank transfers, but other features are available without it.
With Ogvio, you can send money to another Ogvio user, directly to a Nigerian bank account or a crypto wallet.
Key Features
Now, here are the features that make Ogvio one of the best apps to send money to Nigeria:
- Low-to-zero, transparent fees. Ogvio-to-Ogvio transactions and crypto transfers are free, while bank transfers have competitive fees with a fair exchange rate. When you do need to pay, it’s always transparent, and you’ll always see how much you’re paying before you send.
- @Tag functionality. Send money to your friends quickly and easily, like sending a DM. Plus, there’s no fee, making this feature the best way to send money to Nigeria.
- Instant money transfers. Transfers go through instantly between Ogvio users, and bank transfer speed is also near instant most of the time, so your recipient doesn’t have to wait around long.
- Secure account. Your money lives in blockchain-based smart vaults, secured with 256-bit AES encryption. Besides, since Ogvio is based on a non-custodial design, you are the only one who can control your funds. Aside from securing your account, the blockchain tech also reduces transfer time.[1]
- Earn rewards. Aside from holding your funds in USD or EUR to keep your money’s value, you can also get referral rewards by inviting friends.
- Intuitive app. Even if it’s your first time sending money to Nigeria, Ogvio’s clean interface makes it easy to navigate.
Ogvio combines the ease of modern money transfers with crypto, giving you a powerful new way to send and receive money.
2. Western Union - Trusted Worldwide for Money Transfers
Ranks #2 out of 7 Money Transfer Services
- + An established money transfer service
- + Available in most countries
- + Multiple delivery types, including cash pickup
- + Various ways to fund a transfer
- - High fees and exchange rate markup
- - Outdated app interface
- - Doesn't allow long-term fund storage
Western Union continues to be a household name in the finance world, and for good reasons. You can send money fast with clear info on transfer fees and exchange rates before you confirm.
When it comes to sending money to Nigeria, Western Union remains one of the best ways to send money to Nigeria from the USA, the UK, or other countries. Fees vary depending on your location and delivery method.
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Table: Western Union's pricing details.
There’s one thing to keep in mind: you can only send USD to Nigeria. That’s why Western Union suggests you and the recipient use partner banks such as First Bank of Nigeria, GTBank or Access Bank (since those banks will automatically create a USD-specific account).
The best way to send money to Nigeria using Western Union is through its mobile app. Why? It’s much simpler than visiting a branch. Just sign up, add money to your account, add the recipient details, and make the transfer. You can also track the transfer in real time.
You can send up to $50,000 per transfer, making it a practical choice for both personal and business transfers.
Key Features
Here’s what makes Western Union stand out:
- Globally available. With services in over 200 countries and territories, you can send money almost anywhere in the world. This includes those figuring out how to send money from Canada to Nigeria, or from other countries.
- Encrypted transfers. All transfers are protected with encryption, ensuring your money and data stay safe at every step.
- Tracking feature. You can track your transfer from start to finish through the app or website, so you always know where your money is.
- Price estimator. Western Union lets you calculate fees and exchange rates before sending, helping you find the best option for your budget.
Western Union remains one of the most trusted and accessible ways to send money to Nigeria, especially for anyone who values reliability, reach, and clear pricing.
3. MoneyGram - Fast and Flexible Transfers Worldwide
Ranks #3 out of 7 Money Transfer Services
- + Over 350,000 agent locations worldwide
- + Fast cash transfers
- + Multiple send and receive options
- + Wide currency support
- - Applies exchange rate markup
- - ACH transfers take days to arrive
MoneyGram makes it easy to send money to Nigeria in just minutes. You can pay with a debit card, credit card, or directly from your bank account. If your recipient prefers cash, they can pick it up at a nearby MoneyGram location.
MoneyGram also stands out for its wide reach across Africa. It partners with major Nigerian banks like United Bank for Africa, Union Bank, and First Bank of Nigeria, making it easier for your recipient to receive funds directly into their account.
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| A mainstream remittance option with a huge global cash-pickup footprint. | |
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Table: MoneyGram's main features highlight
Keep in mind that paying with a credit card usually comes with higher fees, while using your bank account tends to be cheaper. You’ll always see the full fee and exchange rate before confirming your transfer.
MoneyGram has also stepped into the crypto world with MoneyGram Ramps. It’s a feature that lets you buy, sell, and hold cryptocurrency directly within the app.
Getting started with MoneyGram is quick and simple. You can register through the app or website, verify your identity, and add your payment method. Then choose Nigeria as the destination, enter your recipient’s details, and send the funds instantly.
The process works the same way no matter where you’re sending the money from. So if you’re looking to learn how to send money to Nigeria from USA, you can follow the same steps.
There are a few limits to keep in mind. How much you can send depends on your verification level, the payment method you use, and the receiving option available in Nigeria.
Key Features
Below are the main features of MoneyGram:
- Safe and easy transfers. You can send money in minutes using a card, bank account, or cash pickup. The app always shows you the full cost upfront, so there are no surprises.
- Competitive exchange rates. MoneyGram keeps rates fair and clear, helping your recipient get as much value as possible from every transfer.
- Dedicated customer support. Got a question or an issue? Their team is easy to reach through chat, phone, or at local agent locations.
- Security through verification. Every transfer goes through ID checks and encryption to keep your money safe from scams.
Whether you’re helping out family or paying someone abroad, MoneyGram keeps it easy, secure, and reliable every time.
Did you know?
All Money Transfer Services may look similar to you, but they're NOT all the same!
4. WorldRemit - Transparent and Easy to Use
Ranks #4 out of 7 Money Transfer Services
- + Fast money transfers
- + Wide international coverage
- + Multiple payout methods
- + Licensed in multiple countries
- - Limited overseas bank support
- - Fluctuating transfer costs
WorldRemit is added to the list because of how straightforward it is. I also like it for its direct exchange to NGN. So when you’re sending money to Nigeria, you can send NGN instead of other currencies (say, USD or EUR), and the recipient will receive the money in NGN, too.
As stated on their website, sending money to Nigeria is free of fees. Payments are available with cards, Apple Pay, bank account transfers, and a few more. They no longer accept Google Pay.
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Table: WorldRemit's details on pricing.
You’ll see the fee and how long the transfer will take. For example, when it comes to how to send money to Nigeria from the UK usually takes two business days. There’s also a calculator to help you see how much you’ll end up paying.
Diving deeper into the transfer duration, WorldRemit is honest about it and says that around 90% of transactions are done within minutes. So if you’re sending money other than to Nigeria, the same rule applies. But note that timing can vary depending on your payment method and delivery option.
WorldRemit works almost the same as other money apps on the list. Start by creating an account, creating a transfer, adding your receiver's details, and paying by bank transfer or card. Once done, you can track your transfer in real time and get notified.
Key Features
When it comes to finding the best way to send money to Nigeria, WorldRemit stands out because of these features:
- Exchange rate tracker. On WorldRemit’s mobile app, you can track exchange rates before sending money.
- Quick resend feature. Once you’ve sent money to Nigeria using WorldRemit, you can save the recipient's details so it’s quicker next time.
- User safety reminders. WorldRemit regularly shares safety tips, reminding users to double-check recipient details and avoid potential scams.
- Security checks. WorldRemit’s teams are dedicated to monitoring customer accounts and transactions for signs of unusual activity.
Together, these features make WorldRemit a great choice for anyone who values clear processes, speed, and peace of mind when sending money to Nigeria.
5. Wise - Affordable and Global Transfers
Ranks #5 out of 7 Money Transfer Services
- + Transparent fees
- + Fair exchange rates
- + A smooth user experience
- + Multi-currency accounts
- - Service coverage is broad, but not entirely worldwide
- - Cash pickups aren’t available
- - Added compliance checks for large transfers
Launched in 2011, Wise is a worthy contender because of its low fees and fast transfers. You can send money to over 200 countries quickly and easily, without complicated costs. This is because Wise always uses the mid-market rate, which promises the cheapest transfers.
The Wise Account is another reason it stands out. It’s a multi-currency account for both individuals and businesses. Other than sending money, you can also hold and receive money globally. You can also get a Wise debit card that you can use when traveling.
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Table: Wise account details.
What the debit card does, specifically, is automatically convert your balance at the best available rate whenever you spend money. So if you're looking for how to send money from USA to Nigeria and worried about the exchange rate, rest assured Wise will take care of it.
Aside from using the mid-market rate, Wise’s transfer fees start from around 0.57%, and the final cost depends on which currencies you’re converting.
Getting started is easy. Just open a Wise account, verify your identity, select where you’re sending money (in this case, Nigeria), and pay for the transfer.
After that, Wise will give you an exact estimate of when your recipient will receive the funds, which makes it a great option if you're sorting out how to send money from USA to Nigeria, for example.
📚 Read More: Wise VS Payoneer
Key Features
Now, here are the top features you can learn about Wise:
- Real mid-market rate. Wise claims this to be the cheapest way to send money to Nigeria, because it always uses the best rate with no hidden markups.
- Interest feature. Adds a nice bonus while your funds sit in your account, where you can earn 3.66% APY on your USD, 2.42% APY on your GBP, and 0.8% APY on your EUR.
- Multi-currency account. If you’re also a freelancer or need to manage money across borders regularly, you can hold, send, and receive money in 40+ currencies with the local banks.
- Security and regulation. Wise is regulated by major financial authorities and uses HTTPS encryption to keep your transfers safe.
Wise is one of the best options for sending money to Nigeria from US and many other places if you value pricing, speed, and full transparency every step of the way.
6. Revolut - Smart and Reliable Money App
Ranks #6 out of 7 Money Transfer Services
- + Instant transfer (for Revolut users)
- + Multi-currency wallet
- + Earning options
- + Built-in budgeting tools
- + Stock trading
- - Weekend exchange rate markup
- - Limited perks
- - No full banking features
Founded in 2015, Revolut has grown into one of the most popular digital finance apps for fast and affordable international transfers. You can send money in 30+ currencies globally, often with lower fees than traditional banks.
Let’s say you’re figuring out how to send money to Nigeria from the UK. Revolut is a practical choice cause it’s homegrown (based in the UK) and completely transparent about its rates.
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Card - up to 1.7% Bank - free |
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Table: Revolut's pricing information.
While Revolut doesn’t have transfer limits, the opposite is true for some of its payment partners, which set limits for certain currencies.
More than just for sending money, you can also save, spend, and invest. Note that while you can send money to Nigeria for free (using Revolut’s free plan), you might need to switch to their paid plans to enjoy more perks.
Their paid plans start from €3.99/month to €55/month. They offer benefits like better interest rates (of up to 4.5% AER), travel insurance, and more.
What makes Revolut unique is how much it packs into one app. You get budgeting tools, a debit card for global spending, and reward programs that give cashback (if you sign up for the paid plans).
To send money to Nigeria with Revolut, you need to first download the app. Then, verify your identity and add funds using your debit card or bank account. From there, you can start sending money, exchanging currencies, or using your Revolut card for everyday purchases.
📚 Read More: Ogvio VS Revolut
Key Features
Here are the things I like about Revolut:
- Instant transfers. Solves how to send money to Nigeria from the USA or other countries (and even other Revolut users) within seconds with no waiting and no fuss.
- Trade stocks. Access global markets directly from your Revolut app and invest in ETFs with no complicated setup or extra tools.
- AI algorithms for security. Revolut uses AI to detect suspicious activity in real time, helping you keep your money and data safe.
- Budgeting tools. Track your spending, set limits, and get insights that make managing your money a lot easier.
Revolut is a safe choice if you want one app that handles everything, from daily expenses to international transfers, while keeping things fast and simple.
7. Remitly - Trusted for Quick Transfers
Ranks #7 out of 7 Money Transfer Services
- + Great platform accessibility
- + 170+ receiving countries
- + Home delivery available
- + Major and local payout options
- - Escalating FX rates
- - Confusing fees
Remitly works best if you want to send funds quickly. With low fees, fast delivery, and multiple payout options, it’s a go-to choice for Nigerian remittances.
Remitly puts a strong focus on security. It uses encryption, identity verification, and 24/7 monitoring to protect every transaction. Like other money apps, you can track your transfer and get notified once it’s received.
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| Name, surname, ID, proof of address | |
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Table: Remitly's security features.
You can choose between Express and Economy transfers. Express delivers money to Nigeria in minutes when you pay with a debit or credit card, while Economy takes a bit longer (around three to five business days) but costs less if you use a bank account.
Remitly’s transfer limits depend on where you’re sending the money from. For example, if you're figuring out how to send money from Canada to Nigeria, the limit is 15,000 CAD.
There’s nothing out of the ordinary when it comes to using the app. Download the Remitly app, create an account, and verify your identity.
Then choose Nigeria as the destination, enter your recipient’s details, and you’ll see an exact delivery time before confirming the transfer.
Remitly mainly focuses on international transfers, so it doesn’t offer features like savings, crypto, or investing. Depending on your needs, this can be a good thing if you just want to send money abroad, or a drawback if you’re after more features.
Key Features
Here’s what you can expect from Remitly:
- Speed options. Choose between Express for instant delivery and Economy for cheaper transfers that arrive within a few days.
- Transparent fees. Remitly shows all fees and exchange rates upfront, so you always know what your recipient will get.
- Multiple delivery methods. Send money directly to Nigerian bank accounts, mobile wallets, or for cash pickup at partner locations.
- Real-time transfer tracking. Follow your transfer every step of the way and get alerts once the money reaches your recipient.
All in all, Remitly is ideal for anyone who wants a fast, secure, and affordable way to send money to Nigeria.
How to Send Money from the UK to Nigeria
Nigeria is the second country in Africa, after Egypt, to receive remittances globally.[2] This shows just how important reliable transfer options are to send money to Nigeria from the UK.
Sending money along this route comes with a few unique points to keep in mind. First, GBP to NGN rates fluctuate often, so it’s important to use a service that shows you the exact Naira amount before making the transfer to Nigeria.
I'll give you this year's overview of the rate, so you can actually have an impression of how unstable it is. This past year, the rate has been moving from roughly ₦1,100-₦1,200 per £1 after early 2024 devaluations to spikes above ₦2,200 before settling around ₦1,900 as of the moment of writing, meaning the pound now buys dramatically more naira than a year ago.
Next, Nigerian banks are extremely strict about name-matching. So your recipient’s details must match their bank records perfectly to avoid delays.
To solve these problems, Ogvio shows the final NGN amount upfront and helps you enter recipient details accurately. Alternatively, the @Tag username solves the mismatch issue when sending Ogvio-to-Ogvio and completely removes the fees.
If you’re sending money from somewhere other than the UK, the steps won’t change much, but make sure you understand any local rules or details for your corridor.
That being said, here’s how to send money from the UK to Nigeria using Ogvio:
![Best way to send money to Nigeria: Ogvio sign up with email highlighting the [Submit] button.](https://assets.bitdegree.org/images/best-way-to-send-money-to-nigeria-ogvio-sign-up-with-email-highlighting-the-submit-button.jpg "Best way to send money to Nigeria: Ogvio sign up with email highlighting the [Submit] button.")
![Best way to send money to Nigeria: Ogvio main page highlighting the [Add Money] button.](https://assets.bitdegree.org/images/best-way-to-send-money-to-nigeria-ogvio-main-page-highlighting-add-money-copy.jpg "Best way to send money to Nigeria: Ogvio main page highlighting the [Add Money] button.")
![Best way to send money to Nigeria: Ogvio add money highlighting the [Bank Transfer] option.](https://assets.bitdegree.org/images/best-way-to-send-money-to-nigeria-ogvio-add-money-page-highlighting-bank-transfer-option-copy.jpg "Best way to send money to Nigeria: Ogvio add money highlighting the [Bank Transfer] option.")
![Best way to send money to Nigeria: Ogvio main page highlighting the [Send Money] button.](https://assets.bitdegree.org/images/best-way-to-send-money-to-nigeria-send-money-button.jpg "Best way to send money to Nigeria: Ogvio main page highlighting the [Send Money] button.")
![Best way to send money to Nigeria: Ogvio add recipient highlighting the [Ogvio user] button.](https://assets.bitdegree.org/images/best-way-to-send-money-to-nigeria-ogvio-send-money-add-recipient-highlighting-ogvio-users-copy.jpg "Best way to send money to Nigeria: Ogvio add recipient highlighting the [Ogvio user] button.")
Finish the process until the money is sent! Ogvio-to-Ogvio transfers are instant, so your recipient should receive the money in seconds.
How to Send Money from Italy to Nigeria
When people send money from Italy to Nigeria, they usually do it through multiple paths: online money transfer services, bank transfers, and wire money.
But there are a few reasons why those said paths aren’t the best. High bank fees, slow processing times, and fluctuating exchange rates can get in the way for many senders, including you.
Ogvio avoids the usual pain points of sending money from Italy to Nigeria. First, it shows you the exact NGN amount before you send. Second, if your recipient uses Ogvio too, you can send money directly to their @Tag without any fees.
Here’s the full step-by-step process of sending money from Italy to Nigeria:
You can use many of Ogvio's features without passing KYC, but you will need it to unlock all features, including bank transfers.
The bank transfer limit for the Eurozone is €100,000 per transfer via SEPA.
![Best way to send money to Nigeria: Ogvio add recipient highlighting [Bank transfer] option.](https://assets.bitdegree.org/images/best-way-to-send-money-to-nigeria-ogvio-add-recipient-highlighting-bank-transfer-option.jpg "Best way to send money to Nigeria: Ogvio add recipient highlighting [Bank transfer] option.")
If needed, you can check everything one last time before hitting confirm and sending your funds.
How to Send Money from the US to Nigeria
Sending money from the US to Nigeria has its quirks. People use online transfer apps or bank wires, but US platforms often add extra checks to prevent fraud. It’s also common for large transfers between family members to get flagged for verification, which can slow things down.
On Ogvio, users who live in the US cannot pass KYC and access bank transfers. However, they can access crypto transfers without passing it. Besides, crypto transfers both to other Ogvio accounts and to/from external wallets are completely free.
So, here’s how to send money from the US to Nigeria using Ogvio:
The final step will be reviewing your transfer before it’s finally sent to your recipient.
Cheapest Ways to Send Money to Nigeria
If you want to save money when sending funds to Nigeria, a few apps definitely stand out for offering low fees and good exchange rates. Here are some of the cheapest options you can consider:
- Ogvio. The platform gives free account-to-account transfers when both you and your recipient use the app, as well as free crypto transfers. As for bank transfers, it also offers very competitive fees with fair and transparent exchange rates (always shown before you send).
- Wise. Uses the real mid-market rate exchange rate for NGN transfers. You can also send money in your local currency, and the recipient receives the converted NGN.
- WorldRemit. Supports NGN transfers to bank accounts, cash pickup, and mobile wallets, and occasionally offers promos like reduced or fee-free transfers on selected routes.
For a closer look, check out the table below that lists the fees for Ogvio, Wise, and WorldRemit:
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Bank - free Crypto - free Card - varies |
Bank - free Card - varies SWIFT - varies |
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Table: Comparing the fees and pricing for Ogvio, Wise, and WorldRemit
These three provides offer some of the most affordable ways to send money to Nigeria. Now the choice is up to you, based on how you want to transfer and how quickly it needs to arrive.
Conclusions
When it comes down to it, the best way to send money to Nigeria is by using money apps. Now, you won’t be short of options cause there are plenty of them out there. I covered seven apps in this guide, all with their own perks.
If I had to highlight a few, Ogvio, Wise, and Revolut are strong picks (and are the cheapest options, too). Ogvio brings a next-gen approach with no hidden fees, instant transfers, and Web3 approach, Wise keeps rates fair with its mid-market pick, and Revolut is an all-in-one app that does it all.
Create your Ogvio account today and try out this next-gen money app!
Scientific References
1. Christodoulou I., Rizomyliotis I., Konstantoulaki K., Do B.: 'Transforming the Remittance Industry: Harnessing the Power of Blockchain Technology';
2. Mbaeri C., Chris U.: 'Remittances and Poverty Reduction in Nigeria: Further Evidence From Nigeria'.
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