Best Way to Send Money to Nigeria from USA (2026)

Compare the best providers for USA to Nigeria transfers. Save up to $60 per $1,000 transfer.

Updated: Feb 20266 min read

🎯 Quick Answer

Remitly is the best overall choice for USA to Nigeria transfers, offering competitive rates, multiple delivery options, and reliable service. Wise is best for large transfers over $2,000.

Compare Live Rates to Nigeria →

Nigeria is the largest remittance recipient in Africa, with over $25 billion received annually. Finding the best way to send money to Nigeria from USA can save you significant money and ensure your transfers arrive quickly and securely.

💡 Nigeria Transfer Tip

Avoid traditional banks for Nigeria transfers. They typically charge $30-50 in fees plus poor USD to Naira exchange rates. The providers below offer better rates and lower fees.

5 Best Ways to Send Money to Nigeria

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1. Remitly

Best Overall

$2.99
Transfer Fee

Best for: First-time senders get $0 fees. Multiple delivery options including bank deposits, cash pickup, and mobile money. Excellent customer service.

Send with Remitly - First Transfer Free
💰

2. Wise

Best Exchange Rates

$6.50
Transfer Fee

Best for: Large transfers ($2,000+). Uses real mid-market exchange rates. Transparent pricing with no hidden fees.

Send with Wise - Real Exchange Rate

Nigeria Transfer Delivery Options

🏦 Bank Deposit

Direct deposit to Nigerian banks including GTBank, First Bank, Zenith Bank, Access Bank, and UBA. Usually takes 1-3 business days.

Best rates • Most secure

💵 Cash Pickup

Pick up cash at thousands of locations across Nigeria through MoneyGram, Western Union, and Ria Money Transfer partners.

No bank account needed • Instant

Cost Comparison: $1,000 Transfer to Nigeria

ProviderTotal CostRecipient Gets
Remitly$1,002.99₦ 1,580,000
Wise$1,006.50₦ 1,575,000
Bank Wire$1,045₦ 1,520,000

Frequently Asked Questions

What documents do I need to send money to Nigeria?

You need a valid ID (driver's license or passport) and recipient details including full name, address, and bank account or pickup location information.

What's today's USD to NGN exchange rate?

The current rate is approximately 1,580 NGN per USD. Check our live rates comparison for the best exchange rates from different providers.

How long does it take to send money to Nigeria?

Bank deposits take 1-3 business days, while cash pickup is usually available within minutes to hours of sending.

Ready to Send Money to Nigeria?

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