How to send money from Nigeria to US
Best right now: AfriChange. ₦100,000.00 gets $71.43 ($1 = ₦1,400). Refreshed 9 Nov, 00:02.
Who pays the most on ₦100,000.00 today
- Send moneyAfriChangeBest dealExchange rate$1 = ₦1,400−3.74% vs mid-marketTotal fees₦3,735.08Recipient gets$71.43
The exchange rate AfriChange uses is $1 = ₦1,400, which is 3.74% lower than the mid-market rate of $1 = ₦1,347.71. That adds ₦3,735.08 as a hidden exchange-rate markup.
They don't publish a separate transfer fee for this amount.
Altogether, this transfer costs you ₦3,735.08 compared with the mid-market rate.
Save up to ₦4,646.32 compared with LemFi - Go to Prune PaymentsPrune PaymentsExchange rate$1 = ₦1,410−4.42% vs mid-marketTotal fees₦4,417.81Recipient gets$70.92
The exchange rate Prune Payments uses is $1 = ₦1,410, which is 4.42% lower than the mid-market rate of $1 = ₦1,347.71. That adds ₦4,417.81 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you ₦4,417.81 compared with the mid-market rate.
- Go to Send AppSend AppExchange rate$1 = ₦1,413.59−4.66% vs mid-marketTotal fees₦4,660.38Recipient gets$70.74
The exchange rate Send App uses is $1 = ₦1,413.59, which is 4.66% lower than the mid-market rate of $1 = ₦1,347.71. That adds ₦4,660.38 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you ₦4,660.38 compared with the mid-market rate.
- Go to GreyGreyExchange rate$1 = ₦1,415.03−4.76% vs mid-marketTotal fees₦5,709.84Recipient gets$69.96
The exchange rate Grey uses is $1 = ₦1,415.03, which is 4.76% lower than the mid-market rate of $1 = ₦1,347.71. That adds ₦4,709.84 as a hidden exchange-rate markup.
They also charge a transfer fee of ₦1,000.00.
Altogether, this transfer costs you ₦5,709.84 compared with the mid-market rate.
- Go to PesaPesaExchange rate$1 = ₦1,455−7.37% vs mid-marketTotal fees₦7,373.96Recipient gets$68.73
The exchange rate Pesa uses is $1 = ₦1,455, which is 7.37% lower than the mid-market rate of $1 = ₦1,347.71. That adds ₦7,373.96 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you ₦7,373.96 compared with the mid-market rate.
- Go to LemFiLemFiExchange rate$1 = ₦1,471−8.38% vs mid-marketTotal fees₦8,381.40Recipient gets$67.98
The exchange rate LemFi uses is $1 = ₦1,471, which is 8.38% lower than the mid-market rate of $1 = ₦1,347.71. That adds ₦8,381.40 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you ₦8,381.40 compared with the mid-market rate.
Step by step
- Compare what your recipient gets
Check the live table on this page. Providers differ on both fee and exchange rate, so rank them by what lands in the US, not by the fee alone. Right now the gap between the best and worst option on ₦100,000.00 is $3.45.
- Open an account with the provider
Sign up on the provider's app or website. You'll verify your identity once, usually with your BVN or NIN and a valid ID (international passport, driver's licence, voter's card or NIN slip). Many new-customer offers give a better rate on your first transfer.
- Add your recipient
Have the recipient's full name, bank routing number and account number ready. Double-check the name matches their account exactly; mismatches are the most common reason transfers are held.
- Enter the amount and check the final figure
Type how much you're sending. Before you confirm, check the exact amount your recipient will get on the provider's summary screen, since rates move during the day.
- Pay and track the transfer
Pay with a naira bank transfer to the provider's account, or a naira debit card. You'll get a reference and status updates; send the reference to your recipient so they can follow it too.
How your recipient gets it in US
- Into a US bank account (ACH or wire)
What people send for
- School fees and living costs for a student in the US
- Paying suppliers, subscriptions or invoices in USD
- Rent, visa or relocation costs in the US
- Supporting family abroad
The providers, at a glance
Questions
Right now AfriChange pays the most: sending ₦100,000.00, your recipient gets $71.43 after fees ($1 = ₦1,400). The cheapest provider changes often, so check the live table before each transfer.
Most app-based providers deliver within minutes to a few hours once your account is verified. First transfers can take longer while ID checks complete, and bank payouts outside business hours may land the next working day.
Into a US bank account (ACH or wire). Each provider supports different payout options, so check before you send.
Usually the exchange rate. A "zero fee" transfer can still cost more if the provider's rate is further from the mid-market rate; even today's best rate is about 3.7% below mid-market. That's why we rank by what your recipient actually gets.
No. Ratenify compares providers; you always send on the provider's own app or website. We never hold your money.