USA → NIGERIA

Send Money from the USA to Nigeria

Compare international money transfer providers sending USD from the United States to Nigeria. Review exchange rates, fees, delivery speed, and payout methods before choosing a provider.

Quick Comparison Summary

Benchmark

$100 USD bank transfer

Providers Compared

10 providers

Delivery Methods

Bank account, cash pickup, mobile wallet

Last Updated

August 17, 2026

Compare Nigeria Money Transfer Providers

Provider	Promotion	Fee Type	Payout Method	Delivery Speed	Best For
Remitly	Better exchange rate on your first $500	No Fee	Bank Account, Mobile Wallet, Cash Pickup	Minutes	Best welcome offer for first-time senders
Taptap Send	No current promo — standard rates apply	No Fee	Bank Account, Mobile Wallet	Instant	Wide local coverage with zero transfer fees
Wise	No current promo — standard rates apply	Percentage-based fee + FX spread	Bank Account	Same Day	Transparent FX pricing
WorldRemit	No current promo — standard rates apply	No Fee	Bank Transfer	Days	Bank transfer option with zero fee
Sendwave	No current promo — standard rates apply	No Fee	Bank Account, Mobile Wallet	Minutes	Bank account and mobile wallet payout with zero fee
LemFi	No current promo — standard rates apply	No Fee	Bank Account	Minutes	Zero-fee bank account transfers
Paysend	No current promo — standard rates apply	Flat Fee ($1.99)	Bank Account	Same Day	Bank account transfers with a flat fee
Western Union	$0 fee: first online transfer	No fee — first transfer	Bank Account, Cash Pickup	Minutes	Fast delivery and payout flexibility
Xoom	No current promo — standard rates apply	Fee varies by payment method	Bank Deposit, Cash Pickup	Minutes	Fee-free option via PYUSD or bank account
Revolut	No current promo — standard rates apply	Flat Fee ($11.51)	Bank Transfer	Same Day	Low-cost bank-to-bank transfers

🇳🇬 About Sending Money to Nigeria

Nigeria is one of Africa’s largest remittance recipients, with diaspora transfers — a significant share from the United States — now a major and growing source of foreign currency inflows.

Did you know?

Diaspora remittances into Nigeria totaled a record $21.8 billion in 2025, according to Central Bank of Nigeria data, making it one of the largest remittance-receiving economies in Africa.

An estimated half of remittances to Nigeria still move through informal channels rather than regulated providers, which is part of why using a transparent, formally regulated transfer service matters for fee clarity and delivery reliability.

Formal bank-account transfers to Nigeria typically require a Bank Verification Number (BVN)-linked account, which helps explain why bank account payout is the dominant option among the providers compared here, with cash pickup and mobile wallet available from a smaller subset of providers.

Source: Central Bank of Nigeria remittance data; World Bank and industry research on diaspora remittance channels. Remittance totals fluctuate year to year and are cited as approximate.

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.

Remitly

Typical use case: Best welcome offer for first-time senders
Delivery: Minutes
Payout options: Bank Account, Mobile Wallet, Cash Pickup

Taptap Send

Typical use case: Wide local coverage with zero transfer fees
Delivery: Instant
Payout options: Bank Account, Mobile Wallet

Wise

Typical use case: Transparent FX pricing
Delivery: Same Day
Payout options: Bank Account

WorldRemit

Typical use case: Bank transfer option with zero fee
Delivery: Days
Payout options: Bank Transfer

Sendwave

Typical use case: Bank account and mobile wallet payout with zero fee
Delivery: Minutes
Payout options: Bank Account, Mobile Wallet

LemFi

Typical use case: Zero-fee bank account transfers
Delivery: Minutes
Payout options: Bank Account

Paysend

Typical use case: Bank account transfers with a flat fee
Delivery: Same Day
Payout options: Bank Account

Western Union

Typical use case: Fast delivery and payout flexibility
Delivery: Minutes
Payout options: Bank Account, Cash Pickup

Xoom

Typical use case: Fee-free option via PYUSD or bank account
Delivery: Minutes
Payout options: Bank Deposit, Cash Pickup

Revolut

Typical use case: Low-cost bank-to-bank transfers
Delivery: Same Day
Payout options: Bank Transfer

Methodology

Remit Architect compares providers using a standardized $100 USD transfer benchmark from a U.S. bank account to a recipient account in Nigeria. Rates, fees, and availability change frequently and are reviewed on a recurring cycle; figures shown may not reflect real-time pricing — always confirm the current rate and fee directly on the provider’s site before sending.

Sending country: United States Destination: Nigeria Last reviewed: August 2026

Frequently Asked Questions

Sending Money FAQs

What is the cheapest way to send money to Nigeria?

Several providers on this corridor charge no standing fee at all — Taptap Send, WorldRemit, Sendwave, and LemFi all currently list “No Fee” as their standard fee type, not just a first-transfer promo. Paysend charges a flat $1.99 fee, and Revolut a flat $11.51 fee, notably higher than other options. Compare current fee types in the table above before choosing.

How long does an international transfer to Nigeria take?

Delivery speed varies by provider: Taptap Send delivers instantly, Remitly, Sendwave, LemFi, Western Union, and Xoom typically arrive in minutes, Wise, Paysend, and Revolut arrive the same day, and WorldRemit’s zero-fee bank transfer can take several days — the slowest option on this corridor.

Can I send money to Nigeria for cash pickup?

Yes — Remitly, Western Union, and Xoom all currently support cash pickup for this corridor, alongside bank account and mobile wallet options depending on the provider.

Which money transfer service has the best exchange rate for Nigeria?

Exchange rates change throughout the day and by payment method, so we don’t list a live rate here — check each provider’s site directly for the current rate before sending. Wise is noted for transparent, published FX pricing.

How much does it cost to send $100 USD to Nigeria?

Cost depends on the provider and payment method. Taptap Send, WorldRemit, Sendwave, and LemFi currently charge no standing fee, Paysend charges a flat $1.99 fee, and Revolut charges a flat $11.51 fee. See the Fee Type column in the comparison table above for each provider’s current structure.

Corridor FAQ

Why does bank account transfer dominate the Nigeria corridor?

Formal transfers to Nigerian bank accounts typically require a Bank Verification Number (BVN)-linked account, and an estimated half of Nigeria’s diaspora remittances still move through informal channels outside the regulated system. That’s part of why most providers compared here center on bank account payout, with cash pickup and mobile wallet available from a smaller subset of providers for recipients who need those options.