Best Way to Send Money to Nigeria

Ogvio is not yet launched, but it’s got all the best features to solve how to send money to Nigeria. 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 USA or somewhere else.

Table: Ogvio's global coverage.

With Ogvio, you can hold money in USD or EUR. By keeping your balance in these stable currencies, you can protect it from local inflation or currency depreciation. It's a simple way to make sure you keep your money's value.

While the app is planning to highlight its fiat transactions, you’ll also be able to hold, trade, and receive cryptocurrency tokens that are on the Base network (BTC, ETH, SHIB, and more). Base is a secure and scalable blockchain network backed by Coinbase.

The crypto appeal is something worth considering, too. 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.

📚 Read More: Best Crypto Exchanges in Nigeria

Plus, 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.

For now, you can join Ogvio’s waitlist to secure early access. Once the app launches, you can create your account, do a short KYC, and top up using your preferred on-ramps (cards, Google Pay, Apple Pay, and more). Then, create your unique Ogvio @Tag, and you’re ready to send money to Nigeria.

Key Features

Now, here are the features that make Ogvio the best app to send money to Nigeria:

• Low-to-zero, transparent fees. Most of the Ogvio account transactions are free, and some have low costs. When you do need to pay, it’s always transparent, and you’ll always see how much you’re paying in total.
• @Tag functionality. Send money to your friends 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 almost immediately, so your recipient doesn’t have to wait around for their money to arrive.
• Secure account. Your money lives in blockchain-based smart vaults, secured with 256-bit AES encryption. Aside from securing your account, the blockchain tech also reduces transfer time.^[1]
• Earn rewards. Aside from holding 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 if you value pricing, speed, and full transparency every step of the way.

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.

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.

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.

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.

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.

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.