How Can I Send Money From Usa To Nigeria

How to send money to Nigeria in 3 easy steps

Start your transfer.

Pay in USD with your debit card or credit card, or send the money from your online banking.

Get the best rate out there.

Wise always gives you the real and fair mid-market exchange rate.

Money is locally delivered.

The recipient gets money in their currency directly from Wise's local bank account.

How much does it cost to transfer money to Nigeria?

To send money in USD to Nigeria, you pay a small, flat fee of 5.01 USD + 0.59% of the amount that's converted (you'll always see the total cost upfront).

Some payment methods have an added fee, but that's usually tiny too.

No big fees, hidden or otherwise. So it's cheaper than what you're used to.

	Wise Fees
Fixed fee	5.01 USD
% fee for transfers up to 135,615 USD	0.59%
% fee for transfers up to 406,845 USD	0.49%
% fee for transfers up to 678,075 USD	0.44%
% fee for transfers up to 1,356,150 USD	0.43%
% fee for amounts over 1,356,150 USD	0.42%

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Save when sending money to Nigeria

What you'll need for your online money transfer to Nigeria

1. Create your free account.

Click 'Sign up', then create your free account. It takes seconds. You can do it on our website or with our app. All you need is an email address, or a Google or Facebook account.
2. Set up your first transfer.

Use our calculator to tell us how much money you want to send, and where you want to send it. You'll see our fees upfront. We'll tell you when your money should get there, too.
3. Tell us a little about yourself.

We'll ask you if you're sending money as an individual or business. We'll also need your full name, birthday, phone number, and address. You know, the standard stuff.
4. Tell us who you're sending to.

Yourself? Someone else? A business or charity? Pick your answer. Then we'll ask you for some basic information about your recipient, including their bank details. They need a bank account, but they don't need a Wise account. (Though we hope they'll want one soon.)
5. Make sure everything looks good.

We'll show you a summary of your transfer. If everything looks good, click Confirm. You can also make any changes you need to.
6. Pay for your transfer.

Would you like to pay by wire transfer? Debit or credit card?Make your choice, and we'll tell you how to do it. Each payment method has its own steps, but they're all straightforward and should only take a few minutes.

Wise is safe and secure

Wise is an authorised Electronic Money Institution independently regulated by the Financial Crimes Enforcement Network (FinCEN) in the United States.

This means we're required by law to keep your money safe by storing it in a low-risk financial institution - in Europe this is in our UK account with Barclays, in the US this is in our US account with Wells Fargo.

We're trusted by 10 million people and counting.

We have a 4.6 out of 5 rating on Trustpilot

It's your money. You can trust us to get it where it needs to be, but don't take our word for it. Read our reviews at Trustpilot.com

ive been using wise and the predecessor transfer-wise for a number of years to send euros to a bank account or service supplier. i have never had a an...

Adrian

Published 13 hours ago

instant transfer from my usa bank account, they are sending me a debit card and i had a digital card instantly . if you are abroad GET WISE.

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Published 13 hours ago

I love it Everything is Easy and clean

eniko nagy

Published 14 hours ago

Save money when sending money to Nigeria

Transfer your United States dollar to Nigerian naira today with Wise.

Create free account now

FAQs

Choosing the right way to send money with Wise will largely depend on your payment method. Some payment methods are faster than others. Some can be instant, while others are cheaper. Find out here what are the best ways to transfer money to Nigeria with Wise.

Yes. Wise is an authorised Electronic Money Institution independently regulated by the Financial Conduct Authority (FCA) in the United Kingdom. Learn more

Yes, there are limits for how much you can send to Nigeria with us. They depend on which currencies you send to and from, and how you pay. You can check the limits for each currency in our help center articles or in our calculator. We'll also let you know if you try to send too much at one time.

If you'd like to send more than our limits allow, you can. You'll just need to set up several transfers that are under the limits.

On many popular routes, Wise can send your money within one day, or even within seconds. Sometimes, different payment methods or routine checks may affect the transfer delivery time. We'll always keep you updated, and you can track each step in your account.
See how long a money transfer to Nigeria takes.

Register for free
Sign up online or in our app for free. All you need is an email address, or a Google or Facebook account.
Choose an amount to send
Tell us how much you want to send. We'll show you our fees upfront, and tell you when your money should arrive.
Add recipient's bank details
Fill in the details of your recipient's bank account. If you don't know their details, we can request them for you.
Verify your identity
For some currencies, or for large transfers, we need a photo of your ID. This helps us keep your money safe.
Pay for your transfer
Send your money with a bank transfer, or a debit or credit card.
That's it
We'll handle the rest. You can track your transfer in your account, and we'll tell your recipient it's coming.