CANADA → NIGERIA
Send Money from Canada to Nigeria
Compare international money transfer providers sending CAD from Canada to Nigeria. Review exchange rates, fees, delivery speed, and payout methods before choosing a provider.
Quick Comparison Summary
Benchmark
Providers Compared
Delivery Methods
Last Updated
Compare Nigeria Money Transfer Providers
| Provider | Promotion | Fee Type | Payout Method | Delivery Speed | Best For |
|---|---|---|---|---|---|
| Wise | None | Transparent upfront fee, from approximately $8 CAD per $1,000 sent | Bank Deposit | Minutes to same day | Best for transparent, mid-market-rate transfers to a Nigerian bank account |
| Remitly | First-transfer promotional rate for new customers (check current offer) | Flat fee, $3.99 CAD (Economy) to $5.99 CAD (Express) | Bank Deposit, Cash Pickup, Mobile Wallet | Minutes (Express) to a few days (Economy) | Best for Opay or Paga mobile wallet delivery with a choice of speed/price tiers |
| Western Union | None | Fee varies by amount, payment method, and payout option | Bank Deposit, Cash Pickup | Minutes to same day depending on payout method | Best for its large in-person agent network alongside digital transfer |
| WorldRemit | None | Fee shown upfront before sending, varies by amount and payout method | Bank Deposit, Cash Pickup, Mobile Money, Airtime Top-up | 90% of transfers arrive within minutes | Best for direct deposit to major Nigerian banks plus an airtime top-up option |
| Sendwave | No-fee transfers | No transfer fee advertised (built into exchange rate) | Bank Deposit, Cash Pickup | Minutes to same day | Best for no-fee delivery to Access, Zenith, or Fidelity Bank |
| Xoom | None | Fee varies by amount and payout method | Bank Deposit, Cash Pickup | Minutes for cash pickup | Best for cash pickup or direct deposit to GT Bank and First Bank, backed by PayPal |
| Taptap Send | No-fee transfers | No transfer fee advertised (rate margin around 1% on this route) | Bank Deposit | 95% of transfers arrive in under 3 minutes | Best for fast, no-fee delivery to a wide range of Nigerian banks (cash pickup no longer offered, per Central Bank of Nigeria policy) |
| Paysend | Fee-free bank deposit transfers | Fee-free to bank accounts | Bank Deposit | Same day, often minutes | Best for a simple, fee-free bank deposit transfer |
| Ria Money Transfer | None | Fee varies by amount and payout method | Bank Deposit, Cash Pickup, Mobile Wallet, Home Delivery | Minutes (card-funded) to several business days (bank transfer) | Best for choice between mobile wallet, cash pickup, bank deposit, or home delivery |
| LemFi | Zero transfer fees | Zero transfer fees advertised | Bank Deposit, Mobile Money | Usually instant | Best for zero-fee bank and mobile money delivery |
| MoneyGram | None | Fee varies by amount and payout method | Bank Deposit, Cash Pickup | Minutes to same day | Educational listing — not a current affiliate partner |
🇨🇦🇳🇬 About Sending Money to Nigeria
Canada is home to a large and growing Nigerian diaspora, with major communities in Ontario and Alberta. Nigeria is consistently one of the largest remittance-receiving countries in Sub-Saharan Africa, and its digital payments ecosystem includes both traditional banking and mobile wallets like Opay and Paga.
Did you know?
Opay and Paga are two of Nigeria’s most widely used mobile wallets — some providers compared above can deliver directly to one or both, giving recipients instant access without a traditional bank account.
The Central Bank of Nigeria directed money transfer operators to discontinue cash pickup and USD domiciliary account transfers starting in 2024, a regulatory shift that shaped which delivery methods providers can currently offer for this corridor.
Several major Nigerian banks — including GT Bank, UBA, Zenith Bank, and First Bank — are directly named as payout destinations by multiple providers compared above.
Source: Central Bank of Nigeria policy notices; provider-by-provider Canada-corridor verification, August 2026.
Available Providers for Nigeria
Not a ranking — each provider fits a different use case. See the comparison table above for current promotions and fee types.
Western Union
Typical use case: Bank Deposit and Cash Pickup delivery, backed by a large in-person agent network
Delivery: Minutes to same day depending on payout method
Payout options: Bank Deposit, Cash Pickup
Sendwave
Typical use case: Bank Deposit and Cash Pickup delivery to Access, Zenith, or Fidelity Bank
Delivery: Minutes to same day
Payout options: Bank Deposit, Cash Pickup
WorldRemit
Typical use case: Bank Deposit to major Nigerian banks, Cash Pickup, Mobile Money, or Airtime Top-up
Delivery: 90% of transfers arrive within minutes
Payout options: Bank Deposit, Cash Pickup, Mobile Money, Airtime Top-up
Remitly
Typical use case: Bank Deposit, Cash Pickup, or Opay/Paga mobile wallet delivery
Delivery: Minutes (Express) to a few days (Economy)
Payout options: Bank Deposit, Cash Pickup, Mobile Wallet
Wise
Typical use case: Transparent, mid-market FX pricing direct to a Nigerian bank account
Delivery: Minutes to same day
Payout options: Bank Deposit
Taptap Send
Typical use case: No-fee delivery to a wide range of Nigerian banks (cash pickup discontinued per Central Bank of Nigeria policy)
Delivery: 95% of transfers arrive in under 3 minutes
Payout options: Bank Deposit
Paysend
Typical use case: Fee-free Bank Deposit transfers
Delivery: Same day, often minutes
Payout options: Bank Deposit
Xoom
Typical use case: Cash Pickup or direct deposit to GT Bank and First Bank, backed by PayPal
Delivery: Minutes for cash pickup
Payout options: Bank Deposit, Cash Pickup
LemFi
Typical use case: Zero-fee Bank Deposit and Mobile Money delivery
Delivery: Usually instant
Payout options: Bank Deposit, Mobile Money
Ria Money Transfer
Typical use case: Choice between Mobile Wallet, Cash Pickup, Bank Deposit, or Home Delivery
Delivery: Minutes (card-funded) to several business days (bank transfer)
Payout options: Bank Deposit, Cash Pickup, Mobile Wallet, Home Delivery
MoneyGram
Typical use case: Additional payout flexibility (educational listing — not a current affiliate partner)
Delivery: Minutes to same day
Payout options: Bank Deposit, Cash Pickup
Methodology
Remit Architect compares providers using a standardized $100 CAD transfer benchmark from a Canadian bank account to a recipient account in Nigeria. Rates, fees, and payout methods are verified directly against each provider’s own website or app rather than assumed, and this comparison is current as of August 19, 2026. Payout methods are corridor-specific — a provider’s Nigeria options may differ from its options for other destinations or sender countries.