Key Takeaways
- You can send money to Nigeria from the USA easily by using an online money transfer platform like Ogvio;
- Most services require identity verification before you can make a direct transfer to a Nigerian bank account;
- Ogvio is a good alternative for money delivery if your recipient doesn’t have a bank account.
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Sending money back home shouldn’t feel stressful, but for many Nigerians working in the States, it often does. The process sounds simple, yet choosing the wrong method can lead to delays, high fees, and serious headaches. That’s why I want to show you how to send money to Nigeria from USA without all the drama.
One of the simplest ways to dodge these problems is by picking the right platform from the get-go. And for that reason, I’m centering the process around Ogvio, a next-gen money transfer service created for low-effort, low-cost international remittances.
With that said, let’s break down the process of transferring money to Nigeria from USA (and vice versa) step by step.
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Table of Contents
- 1. How to Send Money to Nigeria From the USA
- 1.1. Getting Started With Ogvio
- 1.2. Adding Money to Your Account
- 1.3. Making the Transfer to Nigeria Using Ogvio-to-Ogvio
- 1.4. Sending Money to Nigeria Bank Account From the USA
- 2. How to Send Money From Nigeria to the USA
- 3. Why Ogvio Works Well for USA–Nigeria Transfers
- 4. Best Way to Send Money to Nigeria From the USA
- 5. Things to Know Before Sending Money to Nigeria
- 6. Conclusions
How to Send Money to Nigeria From the USA
Among the many services out there, Ogvio is always my top recommendation when people ask me how to send money to Nigeria from USA easily. It keeps the process simple and doesn’t try to confuse you with complicated pricing.
Latest Deal Active Right Now:On top of that, you also won’t run into hidden fees or surprise charges when using Ogvio. What you see is what you pay, with all costs shown before you confirm the transaction.
That transparency is one of the main reasons I’m comfortable recommending Ogvio, even to first-timers sending money internationally. Too many people get pulled in by “zero fee transfer” claims and don’t notice the losses hiding in unfair exchange rate margins.[1]
I also like how clean and beginner-friendly the interface is. You can even use it from your phone’s web browser, which makes the whole process more mobile-friendly and easier to handle wherever you are.
I’ll talk more about the benefits of using Ogvio and why I think it’s one of the best ways to send money to Nigeria from the USA later on. But for now, let’s get down to business!
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Getting Started With Ogvio
Creating an Ogvio account is about as easy as it gets. As long as you have an internet connection, an email address, and your phone nearby, you can set everything up in just a few minutes:
If the email doesn’t show up, take a quick look in your spam or junk folder.
Copy the code and paste it into the box on the screen to confirm your email.
After setting up your account, you’ll be taken to the main dashboard. I recommend quickly checking your profile settings and adding a PIN code for extra security.
That’s all for the setup! You can also earn some extra cash by sharing your referral link with friends or family.
By the way, if you run a small business or need to pay freelancers in Nigeria, Ogvio can help with that too. It’s not just for personal transfers. Instead of dealing with slow transfers or poor exchange rates, you get a setup designed to cut costs and improve efficiency.
Ogvio Business is built to adapt to how you already work. It offers competitive transfer rates and tailored payment setups based on your business needs. The team can help spot where you might be overpaying or wasting time, then suggest a faster, more cost-effective way to handle payments.
To begin, you’ll need to provide some business details, including your company name, industry, and intended use of the service. After reviewing your information, the team will get in touch to help set up the best solution for your business.
Adding Money to Your Account
After setting up your account, the next part of figuring out how to send money from USA to Nigeria with Ogvio is adding some funds. The process is just as simple as the previous steps, with multiple ways to top up your balance:
- Bank Transfer. If available, this is the option I recommend most of the time. Fees tend to be lower, and processing is often fast because it uses local payment rails.
- Crypto Transfer. You can add money by transferring supported crypto from an external wallet or exchange, with a setup that’s easy to follow for newcomers.
- Card Transfer. It does cost a little more than other methods, but it’s a good option when you want a fast and convenient way to fund your account.
- Receive From an Ogvio User. This option lets another Ogvio user send you money instantly using your @Tag with no transfer fees at all.
- Request Money. You can request money from another user, with the funds credited to your balance immediately after they approve.
Now, I should mention that bank-related transfers on Ogvio require you to pass identity verification. This is part of complying with local regulations and applies to scenarios like sending money to Nigeria bank accounts from the USA.
At the time of writing, identity verification on Ogvio isn’t available for users in the USA.
Because of this, I find card payments to be one of the most effective ways to fund your Ogvio account when you need a low-friction option. They’re simple, convenient, and widely accessible across the States, which makes them an easy entry point for many users.[2]
Here’s how it works:
![How to send money to Nigeria from USA: clock on the [Add Money] option.](https://assets.bitdegree.org/images/how-to-send-money-to-nigeria-from-usa-add-money.jpg "How to send money to Nigeria from USA: clock on the [Add Money] option.")
![How to send money to Nigeria from USA: pick [card transfer] from the list.](https://assets.bitdegree.org/images/how-to-send-money-to-nigeria-from-usa-ogvio-card-transfer.jpg "How to send money to Nigeria from USA: pick [card transfer] from the list.")
Since we’re figuring out how to send money from Nigeria to USA, use the search bar or scroll through the list to find [United States].
![How to send money to Nigeria from USA: select [United States] from the list.](https://assets.bitdegree.org/images/how-to-send-money-to-nigeria-from-usa-ogvio-usa.jpg "How to send money to Nigeria from USA: select [United States] from the list.")
After that, select your state.
Take a moment to review the details, including the rate and fees. Once you’re done, click [Continue].
After the payment goes through, your balance will be updated. You can also open the “Activity” section to see the transaction history.
Making the Transfer to Nigeria Using Ogvio-to-Ogvio
Remember the @Tag you created during account setup? That’s what the Ogvio-to-Ogvio transfer is tied to. Instead of typing long bank details or copying complex wallet addresses, you can use the feature to send money instantly.
Just select the recipient’s @Tag, enter the amount, and confirm the transfer. It’s simple and clean, basically like sending a DM to a family. For me, this feature is among the best ways to send money to Nigeria from USA because of how convenient it is.
Here’s how you can do it:
![How to send money to Nigeria from USA: click [Send Money].](https://assets.bitdegree.org/images/how-to-send-money-to-nigeria-from-usa-send-money-ogvio.jpg "How to send money to Nigeria from USA: click [Send Money].")
![How to send money to Nigeria from USA: select [+ Send to new recipient].](https://assets.bitdegree.org/images/how-to-send-money-to-nigeria-from-usa-add-recipient.jpg "How to send money to Nigeria from USA: select [+ Send to new recipient].")
Once you’ve added a recipient, Ogvio automatically saves them to your contact list. So when you need to send money to the same person, the process will be even quicker.
Sending Money to Nigeria Bank Account From the USA
As of writing, you can't directly send money to Nigeria bank account from USA through Ogvio. Since identity verification isn’t available for users in the States, bank features are limited. That said, you can still get the money there relatively easily by adding a simple step to the process.
It works like this: you transfer funds to your family or friend in Nigeria using the @Tag feature. After that, they can withdraw it locally to banks such as Access, UBA, First Bank, GTB, or Zenith.
Here’s how the process works:
If this part isn’t clear yet, you can refer back to my Ogvio-to-Ogvio transfer steps in the previous section.
![How to send money to Nigeria from USA: choose [Bank Transfer].](https://assets.bitdegree.org/images/how-to-send-money-to-nigeria-from-usa-bank-transfer-ogvio.jpg "How to send money to Nigeria from USA: choose [Bank Transfer].")
Then fill out the required information, including the account number, account name, and email address (optional).
You can also use [Autofill with AI] to upload a screenshot, photo, or paste the bank details, and let Ogvio fill in the details automatically.
Once you’ve confirmed that all the details are filled in correctly, click [Go to amount].
You can expect the money to reach the selected Nigerian bank account within minutes (often instantly) as Ogvio relies on local payment rails.
Granted, this might not be the most “efficient” method you’d think of when looking for an app to send money from USA to Nigeria bank account. It does require your recipient to have a KYC-verified account and understand the cash-out process to their bank.
Even so, I think the extra effort is worth it, especially if the transfer is going to someone you know. With no Ogvio fees, fair exchange rates, and clear pricing, it’s a reliable way to get your funds safely back home.
Besides that, you can earn a $10 referral reward for every three friends who pass KYC and make at least $30 in transactions. It’s a good incentive to nudge them along!
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How to Send Money From Nigeria to the USA
So far, I’ve covered how to send money to Nigeria from the USA, both through user-to-user transfers and by cashing out to a bank account. A fair question you might have now in mind might be: “What about the other way around?”
You could be dealing with a situation where relatives or family members who’ve recently moved to the US are still getting settled and need financial support. And quite often, they don’t have a bank account yet, which can make the situation complicated.
In cases like this, Ogvio shines as a great option for moving money to someone who doesn’t have access to traditional banking support. It allows you to easily send money from Nigeria to the USA via user transfers or to a crypto wallet.
I’ve already explained the user-to-user method earlier, so let’s focus on the second option:
![How to send money to Nigeria from USA: select [Crypto Transfer].](https://assets.bitdegree.org/images/how-to-send-money-to-nigeria-from-usa-crypto-tf.jpg "How to send money to Nigeria from USA: select [Crypto Transfer].")
Before moving on, confirm the address is correct and then click [Continue].
At the time of writing, Ogvio only supports USDC on the Base network for crypto transfers.
After confirmation, the funds move instantly to the recipient's wallet in the US. From there, they can swap into other coins, hold them, or cash out using a supported exchange.
Why Ogvio Works Well for USA–Nigeria Transfers
At this point, I’ve walked you through different ways on how to send money to Nigeria from USA (and vice versa). Now you might be asking, “Why Ogvio?”
In my experience, and from what people around me often mention, hidden fees are a huge turn-off with money transfer apps.[3] Those sneaky charges buried in bad exchange rates or slapped on later as “service” fees make the experience feel like a rip-off.
Once you’ve dealt with pricing tricks like that a few times, you start looking for platforms that keep things clear, and Ogvio hits the mark.
As a next-gen money transfer service, Ogvio puts transparency front and center. You can see the full cost upfront before confirming the transaction, which helps avoid hidden fees or surprise deductions that leave the recipient with less.
On top of that, Ogvio applies fair mid-market rates for currency conversion. No matter if you’re converting naira to US dollars or the other way around, you can expect to get more out of each transfer. You’re also free to use the service with no monthly fees and no confusing subscription plans tying you down.
There’s no platform fee when you deposit funds either. You can use whichever top-up method you prefer, and the money shows up fast without paying extra. Better still, there are no limits on how much you can deposit or send.
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Table: Ogvio's pricing
If the timing doesn’t feel right, say the exchange rate isn’t great, there’s no pressure to move your money immediately. Your funds stay fully under your control, protected from third-party interference. That means no one else, Ogvio included, can freeze or misuse what’s yours.
You can also grow your balance by up to 3.5% per year just by leaving your money in Ogvio. It increases automatically without you having to do anything.
All in all, I find it hard to recommend another service over Ogvio, since it checks most of the boxes people look for when figuring out how to send money to Nigeria from the USA. It’s affordable, easy to use, flexible, transparent, and most importantly, secure.
📚 Check Out: Ogvio Review
Best Way to Send Money to Nigeria From the USA
If you’ve been following along so far, it should come as no surprise that Ogvio sits among my picks for the best way to send money to Nigeria from USA. Despite being newer to the market, its core features and user-friendly access keep international transfers simple for almost anyone.
Even so, there are a few other services that I feel deserve a mention, especially if you’re comparing options:
- Ogvio. My all-around pick for anyone looking for how to send money from the USA to Nigeria. It’s designed to be beginner-friendly, but still delivers a reliable international transfer experience.
- Wise. The global money transfer service is known for using the real mid-market exchange rate. This helps you get more out of your USD–NGN conversion, instead of losing value through padded rates.
- Remitly. I think Remitly is worth a look if you want a remittance service that’s safe, simple, and reasonably priced. It supports transfers to local banks like UBA, Access, and FCMB, which makes it a good app to send money from the USA to a Nigerian bank account.
The table below lays out a side-by-side comparison of the standout features for all three:
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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: Comparing Ogvio, Wise, and Remitly's main features
I don’t think there’s a single definition of “best” that works for everyone. What matters most depends on your situation, priorities, and plans for using the service. My advice is to try the options listed above, see how they feel, and go with the one that suits you most.
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Things to Know Before Sending Money to Nigeria
It’s completely normal to have a little bit of hesitation when transferring money to Nigeria from the USA, particularly if this is your first attempt. To help ease that feeling, I’ve pulled together a few things you’ll want to consider before making the transaction:
- Keep an eye on the USD–NGN rate: The dollar-to-naira exchange rate is often bumpy and can change quite sharply on a daily basis. If you want to get the most out of your transfer, paying attention to the rate and choosing your timing carefully is important.
- Expect extra checks for larger transfers. Moving larger sums outside the US (usually around $3,000 or more) can trigger additional reviews. This can lead to longer processing times and requests for extra sender or recipient details.
- Plan around cash pickup limits. Under Nigeria’s IMTO rules, cash pickup is only permitted for small transfers ($200 or equivalent). Anything above that can’t be collected in cash and must be deposited into a bank account.
- Check transfer limits. The US government doesn’t impose a specific limit on how much you can send to Nigeria. In practice, limits usually come from the platform itself, applied per transfer or over daily and monthly amounts.
Ogvio sets a ₦50,000,000 limit per transfer for instant bank transfers.
- Don’t hesitate to report an issue. If something goes wrong with your transfer, report it as soon as possible. Providers have a legal obligation to look into the problem, particularly when you can share receipts, screenshots, and reference numbers.
If you transfer money to Nigeria from USA for the first time, I’d suggest starting with a small amount. That way, you get to understand how the process works without worrying about expensive mistakes. Start by sending, say, $10 to $20 to get a feel for the platform, see the fee breakdown, and check the actual delivery time.
Once you’re comfortable with the flow (and sure you’re using the right platform), you can increase the amount as your confidence builds.
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Conclusions
And that’s how you send money to Nigeria from the USA! With a bit of preparation and the right service for your needs, the whole process can run smoothly from start to finish.
I do get it. Picking a platform you can rely on is often the hardest part. Trying to balance availability, cost, speed, ease of use, and security can quickly spiral into doubt and anxiety. That’s exactly why having one reliable option makes the process a lot less stressful.
In that case, just try Ogvio and see for yourself. It takes a fresh approach to international remittances and makes sending money as cheap and easy as DM-ing your family back home.
Scientific References
1. Kpodar K., Imam P. A.: ‘How Do Transaction Costs Influence Remittances?’;
2. Stavins J.: ‘Credit Card Debt and Consumer Payment Choice: What Can We Learn from Credit Bureau Data?’;
3. Gurira P.: ‘The impact of international money transfer cost transparency on remittance flows to emerging economies.
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