How to send money from US to Nigeria
Best right now: WorldRemit. $100.00 gets ₦137,860.53 (1 USD = 1,378.61 NGN). Refreshed 9 Nov, 00:00.
Who pays the most on $100.00 today
- Send moneyWorldRemitBest dealExchange rate1,378.61+2.29% vs mid-marketTotal feesNoneRecipient gets₦137,860.53
WorldRemit's rate of 1,378.61 is 2.29% better than the mid-market rate of 1,347.74, so there's no hidden markup in the rate.
They charge no transfer fee.
Altogether, your recipient gets ₦3,086.04 more than they would at the mid-market rate.
Save up to $8.07 compared with Wise - Go to PesaPesaExchange rate1,375.00+2.02% vs mid-marketTotal feesNoneRecipient gets₦137,500.00
Pesa's rate of 1,375.00 is 2.02% better than the mid-market rate of 1,347.74, so there's no hidden markup in the rate.
They charge no transfer fee.
Altogether, your recipient gets ₦2,725.51 more than they would at the mid-market rate.
- Go to Send AppSend AppExchange rate1,374.82+2.01% vs mid-marketTotal feesNoneRecipient gets₦137,482.44
Send App's rate of 1,374.82 is 2.01% better than the mid-market rate of 1,347.74, so there's no hidden markup in the rate.
They charge no transfer fee.
Altogether, your recipient gets ₦2,707.95 more than they would at the mid-market rate.
- Go to AfriChangeAfriChangeExchange rate1,370.00+1.65% vs mid-marketTotal feesNoneRecipient gets₦137,000.00
AfriChange's rate of 1,370.00 is 1.65% better than the mid-market rate of 1,347.74, so there's no hidden markup in the rate.
They don't publish a separate transfer fee for this amount.
Altogether, your recipient gets ₦2,225.51 more than they would at the mid-market rate.
- Go to YousendYousendExchange rate1,365.00+1.28% vs mid-marketTotal feesNoneRecipient gets₦136,500.00
Yousend's rate of 1,365.00 is 1.28% better than the mid-market rate of 1,347.74, so there's no hidden markup in the rate.
They charge no transfer fee.
Altogether, your recipient gets ₦1,725.51 more than they would at the mid-market rate.
- Go to NalaNalaExchange rate1,363.09+1.14% vs mid-marketTotal feesNoneRecipient gets₦136,309.36
Nala's rate of 1,363.09 is 1.14% better than the mid-market rate of 1,347.74, so there's no hidden markup in the rate.
They don't publish a separate transfer fee for this amount.
Altogether, your recipient gets ₦1,534.87 more than they would at the mid-market rate.
- Go to SendwaveSendwaveExchange rate1,361.05+0.99% vs mid-marketTotal feesNoneRecipient gets₦136,105.20First transfer: ₦137,860.53
Sendwave's rate of 1,361.05 is 0.99% better than the mid-market rate of 1,347.74, so there's no hidden markup in the rate.
They charge no transfer fee.
Altogether, your recipient gets ₦1,330.71 more than they would at the mid-market rate.
First-transfer offer: new customers get 1,378.61, so your recipient would get ₦137,860.53 on your first transfer. We rank on the standard rate, which is what you'll get every time after that.
- Go to TapTap SendTapTap SendExchange rate1,361.00+0.98% vs mid-marketTotal feesNoneRecipient gets₦136,100.00
TapTap Send's rate of 1,361.00 is 0.98% better than the mid-market rate of 1,347.74, so there's no hidden markup in the rate.
They charge no transfer fee.
Altogether, your recipient gets ₦1,325.51 more than they would at the mid-market rate.
- Go to LemFiLemFiExchange rate1,360.00+0.91% vs mid-marketTotal feesNoneRecipient gets₦136,000.00
LemFi's rate of 1,360.00 is 0.91% better than the mid-market rate of 1,347.74, so there's no hidden markup in the rate.
They charge no transfer fee.
Altogether, your recipient gets ₦1,225.51 more than they would at the mid-market rate.
- Go to OAPayOAPayExchange rate1,355.00+0.54% vs mid-marketTotal feesNoneRecipient gets₦135,500.00
OAPay's rate of 1,355.00 is 0.54% better than the mid-market rate of 1,347.74, so there's no hidden markup in the rate.
They charge no transfer fee.
Altogether, your recipient gets ₦725.51 more than they would at the mid-market rate.
- Go to RemitlyRemitlyExchange rate1,353.01+0.39% vs mid-marketTotal feesNoneRecipient gets₦135,301.00First transfer: ₦140,276.00
Remitly's rate of 1,353.01 is 0.39% better than the mid-market rate of 1,347.74, so there's no hidden markup in the rate.
They charge no transfer fee.
Altogether, your recipient gets ₦526.51 more than they would at the mid-market rate.
First-transfer offer: new customers get 1,402.76, so your recipient would get ₦140,276.00 on your first transfer. We rank on the standard rate, which is what you'll get every time after that.
- Go to GreyGreyExchange rate1,363.57+1.17% vs mid-marketTotal fees$1.00Recipient gets₦134,993.43
Grey's rate of 1,363.57 is 1.17% better than the mid-market rate of 1,347.74, so there's no hidden markup in the rate.
They also charge a transfer fee of $1.00.
Altogether, your recipient gets ₦218.94 more than they would at the mid-market rate.
- Go to InstaremInstaremExchange rate1,341.10−0.49% vs mid-marketTotal fees$0.49Recipient gets₦134,110.00
The exchange rate Instarem uses is 1,341.10, which is 0.49% lower than the mid-market rate of 1,347.74. That adds $0.49 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you $0.49 compared with the mid-market rate.
- Go to XoomXoomExchange rate1,333.04−1.09% vs mid-marketTotal fees$1.09Recipient gets₦133,304.14
The exchange rate Xoom uses is 1,333.04, which is 1.09% lower than the mid-market rate of 1,347.74. That adds $1.09 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you $1.09 compared with the mid-market rate.
- Go to Western UnionWestern UnionExchange rate1,353.00+0.39% vs mid-marketTotal fees$3.62Recipient gets₦129,901.53
Western Union's rate of 1,353.00 is 0.39% better than the mid-market rate of 1,347.74, so there's no hidden markup in the rate.
They also charge a transfer fee of $3.99.
Altogether, this transfer costs you $3.62 compared with the mid-market rate.
- Go to WiseWiseExchange rate1,374.39+1.98% vs mid-marketTotal fees$5.78Recipient gets₦126,979.89
Wise's rate of 1,374.39 is 1.98% better than the mid-market rate of 1,347.74, so there's no hidden markup in the rate.
They also charge a transfer fee of $7.61.
Altogether, this transfer costs you $5.78 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 Nigeria, not by the fee alone. Right now the gap between the best and worst option on $100.00 is ₦10,880.64.
- Open an account with the provider
Sign up on the provider's app or website. You'll verify your identity once, usually with a US driver's licence, state ID or passport, and often your Social Security number. Many new-customer offers give a better rate on your first transfer.
- Add your recipient
Have the recipient's full name, bank name and 10-digit 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 bank account (ACH), debit card or, with some providers, a credit 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 Nigeria
- Straight into a Nigerian bank account (any bank, by 10-digit NUBAN)
- Cash pickup with some providers
- Mobile wallets such as OPay or PalmPay with some providers
What people send for
- Monthly support for parents and family
- School fees and university costs
- Building or property projects back home
- Weddings, funerals and family emergencies
- Paying staff, suppliers or business costs
The providers, at a glance
Questions
Right now WorldRemit pays the most: sending $100.00, your recipient gets ₦137,860.53 after fees (1 USD = 1,378.61 NGN). 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.
Straight into a Nigerian bank account (any bank, by 10-digit NUBAN). Cash pickup with some providers. Mobile wallets such as OPay or PalmPay with some providers. 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. 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.