Send Money from Ireland to Nigeria

There is no single cheapest provider on this corridor — it depends on how much you send and how your recipient is paid. Compare the total amount received in Nigerian nairas rather than the advertised fee, since the exchange rate margin is usually the larger cost. Bank deposit is typically cheaper than cash pickup.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Sendwave can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are MTN Mobile Money, bank deposit, cash pickup and card payout. The most widely used options in Nigeria are bank deposit to local naira accounts. Most digital providers pay directly into Nigerian bank accounts in naira, which is usually cheaper and faster than cash pickup. Not every provider supports every method, so check the table above before you commit.

No. Remitly, Western Union and Sendwave offer cash pickup in Nigeria, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, bank deposit to local naira accounts generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For EUR to NGN, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Ireland under the Central Bank of Ireland, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly €10,000, a specialist foreign-exchange broker will often beat an app on rate.

Sendwave states that US dollar payout in Nigeria is no longer permitted by the Central Bank of Nigeria, so this corridor pays out naira whichever service you use. If someone offers you dollar payout into Nigeria, that is a reason to look harder at the offer, not a feature. All seven of Wise's funding rows held identical across two independent reads here, so all seven are published — including both card rows, which is unusual. On three of the five corridors in this hub at least one card row moved between reads and is withheld there. Remitly's promotional rate covers only the first 500 EUR on this corridor, against 2,000 EUR on this hub's India page. The offer text is near-identical; the cap differs by a factor of four. On a first transfer that difference is worth more than any fee on this page. Wise's Irish pages offer an open-banking payment option that its American, Singaporean and Swiss pages do not — a direct bank payment authorised through your own bank. At 7.62 EUR it sits below the ordinary bank transfer at 9.45 EUR, for the same money leaving the same account. Mobile money cash-out in Nigeria can carry a charge applied by the network rather than the transfer service. That sits outside every comparison including this one — ask your recipient what the wallet deducts before assuming the wallet rail is cheapest.