Key Takeaways
- Ogvio is a great platform to help you make an online money transfer from India to Nigeria;
- The platform lets you choose between transfers between users, direct to bank, or via cryptocurrency;
- Cash pickup solutions can also be an alternative depending on your situation.
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It is easier than ever to make international money transfers in recent years. But because of that, many tend to take the idea for granted. For example, most people don’t think about how to send money from India to Nigeria until they end up choosing the wrong money transfer service with a complicated user experience.
This guide will help you understand how to send money to Nigeria from India using Ogvio, which is one of the best services you can utilize. You can also expect to learn more about important aspects worth considering before making the transfer.
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Table of Contents
- 1. How to Send Money from India to Nigeria Online
- 1.1. Transfer Between Ogvio Users
- 1.2. Transfer to a Nigerian Bank Account
- 1.3. Transfer to a Cryptocurrency Wallet
- 2. How to Send Money from India to Nigeria Offline
- 3. Which Transfer Method is Right for You?
- 4. Why is Ogvio Great for India-Nigeria Transfers
- 5. Best Way to Send Money From India to Nigeria
- 6. Things to Consider When Sending Money From India to Nigeria
- 7. Conclusions
How to Send Money from India to Nigeria Online
The first method that comes to mind for most people when they want to send money from India to Nigeria is by using online platforms. Think of PayPal, Wise, or Ogvio. These services are popular because they often offer lower fees and a faster transfer process. Not to mention the convenience of sending money from the comfort of your home.
Latest Deal Active Right Now:Each service provider usually offers different sub-methods within its platform. For example, Ogvio allows you to send money to another Ogvio user, to a Nigerian bank account, or to a cryptocurrency wallet.
Let’s take a look at the benefits and how to send money from India to Nigeria using each method on Ogvio.
Transfer Between Ogvio Users
If you’re looking for the cheapest way to send money using Ogvio, then this method should be your top choice. Considering the relatively rapid growth of fintech startups in Nigeria[1] and the increasing popularity of neobanks and digital wallets, this could be an obvious option for you.
Maybe your family back home is already familiar with online banking and digital wallets. So, why not introduce them to Ogvio and enjoy the benefits together?
You can earn $10 for every 3 invited friends who pass KYC and transact $30+ each. There is no limit on how much you can earn as long as you keep inviting friends!
There are several advantages to using this method, including:
- Send money with 0 fee;
- Instant transfer process;
- Simple transfer with the @tag feature.
Now that you know Ogvio's internal transfers can help you send money from India to Nigeria easily, let’s go through the step-by-step guide on how to do it:
As you can see, Ogvio can really help with your India to Nigeria money transfer by offering you a seamless and frictionless experience. There is no need to enter long and complex NUBAN, so you can avoid sending money to the wrong account.
📚 Check Out: How to Send Money to Someone Without a Bank Account
You will also enjoy 0-fee transfers with instant processing, making it a great option if you’re in a time crunch. Last but not least, there is no KYC requirement for this transfer method. If you’re looking into how to send money from India to Nigeria online anonymously, then I can’t recommend Ogvio enough.
Transfer to a Nigerian Bank Account
Aside from letting you make transfers between users, Ogvio also lets you send money to a Nigerian bank account. This is great if your recipient is not familiar with digital wallets or neobank platforms and would just rather receive money directly in their account instead.
At the time of writing, Ogvio supports hundreds of Nigerian banks, including Access Bank, Zenith Bank, and UBA.
Ogvio also excels in this transfer method since it uses the Nigerian local transfer network. This means, in most cases, your money will arrive instantly in the recipient’s account even if you’re sending it from India.
Now, let’s take a look at how to transfer money from India to a Nigerian bank account using Ogvio:
If you want to know more about how to sign up for Ogvio and make your first deposit, check out the previous section.
Sending money from India to a Nigerian bank account with Ogvio is very easy, right? The fee is also relatively affordable.
Keep in mind that you need to complete a KYC verification process to use any bank-transfer-related features on Ogvio.
While you need to go through an additional process for this transfer method, I think it is certainly worth it. The money will arrive directly in the recipient’s bank account, which makes the whole process much more convenient for both sides.
📚 Check Out: How to Transfer Money From One Bank to Another
Transfer to a Cryptocurrency Wallet
One of Ogvio’s biggest edges against its competitors is its cryptocurrency support. This can be a huge advantage since many developing countries, including Nigeria, have shown record-high numbers of cryptocurrency transactions globally[2] in recent years.
If both you and your recipient in Nigeria are actively shifting away from the traditional banking system, sending money using cryptocurrency is probably your preferred method.
Ogvio can help you with that by offering an easy way to send and receive cryptocurrency from the platform. The whole process is intuitive. Here is how to transfer money from India to Nigeria using cryptocurrency with Ogvio:
You can check out the “Transfer between Ogvio Users” section for a guide on how to make a new Ogvio account and make your first top-up.
Make sure that the recipient’s wallet supports USDC on Base before making the transfer.
See how quick and easy it is? What’s better is that there is no Ogvio fee associated with the transfer method. Just make sure to enter the correct wallet address since crypto transfers are irreversible. This means if you send crypto to the wrong address, you can’t get it back.
But overall, no matter what transfer method you’re choosing, Ogvio offers one of the easiest and most affordable ways to send money from India to Nigeria.
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How to Send Money from India to Nigeria Offline
Now that I’ve covered how to send money from India to Nigeria online using Ogvio, it’s only fair that I also go through the offline method. Two of the most common methods for offline transfer are traditional bank wire and cash pickup services.
But in this section, I will focus more on the latter since I believe some of you are not familiar with sending money using cash pickups. I will also use Western Union as the example since it is arguably the most popular solution today.
Here is a brief guide on how to use Western Union’s cash pickup service to send money from India to Nigeria:
Bring a valid ID, such as a passport, PAN card, driver's license, or Aadhaar card.
One thing to note is that you need to provide the recipient’s full legal name exactly as it appears on their government ID. Even a small typo can prevent them from picking up the cash.
📚 Read More: How to Withdraw Money From Western Union
Cash pickup also tends to have higher fees. So, while it can be more convenient for some people, I recommend taking the cost into consideration before using this method.
Which Transfer Method is Right for You?
While I've covered how to send money from India to Nigeria using different methods in detail, you might still be unsure about which option to choose. The easiest way to identify the correct method is by understanding your recipient's profile.
What's their preferred payment method? Do they have internet access? These questions can help you pick the best transfer method. Here is a simple table to help you choose the best transfer method that fits your situation:
Need Internet Access? | Free Transfer | Anonymous | Instant Transfer | |
|---|---|---|---|---|
Between Ogvio Users | ✓ | ✓ | ✓ | ✓ |
Directly to a Bank Account | ✓ | ✗ | ✗ | ✓ |
Crypto Transfer | ✓ | ✓ | ✓ | ✓ |
Cash Pickup | ✗ | ✗ | ✗ | ✓ |
Table: Comparison between different transfer methods
Depending on what you prefer in each aspect, you should be able to find the best way to send money to Nigeria from India. If speed is your top priority, instant options like Ogvio-to-Ogvio transfers make the most sense.
This method is designed to move funds quickly, which can be crucial if your recipient needs money right away. It is also free, making it ideal for regular support, shared expenses, or frequent small transfers.
On the other hand, if convenience and familiarity matter more, sending money directly to a Nigerian bank account may feel like the safest route. It’s a method many recipients already understand and trust. That said, it often comes with added fees, so it’s usually better suited for planned, non-urgent transfers.
For recipients who are digitally savvy and have reliable internet access, the crypto transfer option stands out. This method is useful for users who value flexibility and anonymity, although they do require a basic understanding of wallets and networks.
📚 Check Out: How to Send Bitcoin to Another Wallet
Cash pickup still has its place too. If your recipient doesn’t have a bank account or consistent internet access, this option can be the most practical, even if it’s not the cheapest or most transparent. It’s a reminder that the best method isn’t universal. It depends entirely on the recipient’s situation.
So, the smartest approach is to match the transfer method to real-life needs, not just fees or speed on paper. Try to understand your recipient’s access, preferences, and urgency, so you can choose a method that actually works in practice and avoid unnecessary stress on both ends of the transfer.
Why is Ogvio Great for India-Nigeria Transfers
At this point, some of you might wonder why I keep recommending Ogvio as the platform to send money from India to Nigeria. Honestly, it’s because it offers a wide range of benefits to this corridor, it’s hard not to see it as the most efficient choice.
📚 Check Out: Ogvio Review
To give you a better idea of what you can expect from Ogvio, especially regarding making remittances, let’s take a look at what makes it great based on my experience using it.
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| A global money transfer service with an additional volatile currency rate pegging to USD or EUR. | |
| Visit site Read review |
Table: Essential information about Ogvio
First of all, there is the ease of use, and I can’t start this without mentioning the @tag feature. For someone who often feels anxious about entering the wrong IBAN or wallet address almost every time I try to send money, this is a godsend. Since these @tags are inherently easier to remember, I don’t need to worry about sending money to the wrong person.
Additionally, I personally like that I don’t have to install any additional apps to use Ogvio on my device. All I need is a web browser, and I can access my account. Of course, some people might prefer having it as an app, in which case, no worries. It seems like Ogvio is planning to offer a dedicated app sometime in the future. So, stay tuned!
Now, what about security? Ogvio is secured with 256-bit AES encryption, meaning your personal and financial data is protected with industry-standard, bank-level encryption. You can also enable a transaction PIN to further protect your funds from unauthorized access.
The pricing model is another aspect I like about Ogvio. Do you know that hidden fees are one of the main reasons people abandon money transfer apps?[3] No one likes unpleasant surprises.
But with Ogvio, you don’t have to guess how much you need to pay for each transfer. The platform will give you the fee details. So, no more dealing with sneaky hidden fees.
Aside from being a great remittance service, Ogvio also makes an awesome digital wallet. It lets you store money without worrying about the platform freezing it. Since it is non-custodial by design, nobody but you can access or even control your money. Not even Ogvio itself.
You can also earn up to 3.5% annual interest just by holding funds in your Ogvio account.
What do you think? Personally, I find that Ogvio matches most of my needs and preferences when it comes to a money transfer service. So, if you're looking into how to send money from India to Nigeria, Ogvio is my top recommendation for sure.
Best Way to Send Money From India to Nigeria
Even though I've talked a lot about how Ogvio can help you with India to Nigeria money transfers, there are other providers that also offer a pretty similar experience. These platforms have their own unique offerings that may fit certain needs and situations.
So, why not compare them to each other and see which one suits your preferences the most?
- Ogvio. Combining ease of use, transparent fees, and global reach. Ogvio is my top personal pick for sending money from India to Nigeria.
- Wise. This platform is famous for using the real mid-market exchange rate. This means you'll get a favorable rate for your international transfers
- Remitly. It is highly rated by many people for speed and security. Remitly also provides multiple delivery options, like bank deposits and cash pickup.
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| Per-transaction | Per-transaction | Per-transaction | |
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| A global money transfer service with an additional volatile currency rate pegging to USD or EUR. | A trusted digital remittance service with upfront fees and great rates, but limited options for cash delivery. | A beginner-friendly cross-border remittance solution. | |
| Visit site Read review | Visit site Read review | Visit site Read review |
Table: Comparison between Ogvio, Wise, and Remitly
Considering that there are other service providers out there with different features, fee models, and area coverage, the best app to send money to Nigeria from India should depend on your own needs. Take your time to research each option, make a checklist if you need to, then see which one is perfect for your situation.
📚 Check Out: Best Way to Send Money to Nigeria
Things to Consider When Sending Money From India to Nigeria
There are several factors you need to understand before you make the transfer from India to Nigeria. These can be regulatory, practical, or simply related to how money actually moves between the two countries, and ignoring them can mean higher fees, delays, or your transfer being rejected altogether.
First, let’s talk about India’s side of the equation. If you’re a resident of India, most international transfers fall under the RBI’s Liberalised Remittance Scheme (LRS). This sets an annual cap of $250,000 per financial year and requires you to clearly state the purpose of the transfer.
Since banks are tightening compliance, they may demand proof of the source of funds, like bank statements, tax returns, or accountant certificates, before processing large LRS remittances. You may also need to provide several documents, including:
- A valid ID (PAN)
- Form A2 (declaration of purpose)
- KYC documents
- Proof of the transfer purpose
For the recipient's side in Nigeria, it is worth noting that even if Nigerian banks must pay in Naira, the rate used may vary and could be less favorable than the informal market, meaning the recipient often gets less than expected.
That is why I highly recommend using modern money transfer services like Ogvio to possibly bypass a lot of these restrictions and requirements. But just to be clear, fintech apps don’t magically erase regulations. But they can offer alternative workflows that don’t feel as restrictive as traditional banking.
📚 Check Out: Best International Money Transfer Services
Faster settlement times, clearer fees, and better visibility into exchange rates can make a huge difference, especially when sending money to a country like Nigeria, where FX spreads matter a lot.
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Conclusions
With fintech solutions like Ogvio, you don't have to rack your brain just to figure out how to send money from India to Nigeria. It gives you multiple transfer methods to get funds internationally easily and affordably.
But of course, online transfers are not always viable depending on the situation. In that case, you can always opt for alternatives like cash pickup solutions. This lets your recipient receive the money directly by visiting an agent location near them. However, please be aware of the necessary documents and the associated fee for this type of transfer.
If you consider that online transfer is the best way for your needs, consider checking out Ogvio for yourself and experience sending money from India to Nigeria more easily!
I hope this guide has helped you figure out how to send money from India to Nigeria. Regardless of your method of choice, the key is to pick an option that fits both your needs and your recipient’s situation. With the right approach and tools, sending money across borders doesn’t have to feel complicated or stressful anymore.
Scientific References
1. Odeleye, A.T., Oyeneye, I.: 'Impact of Financial Technology (Fintech) on Financial Inclusion in Nigeria';
2. David, M.J., Addo, A.: 'Cryptocurrency use for cross-border payments: understanding the popularity of crypto among Nigerians importing from China';
3. Gurira, P.: ‘The impact of international money transfer cost transparency on remittance flows to emerging economies'.
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