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Send money from United States to Nigeria (USD → NGN)
USD
NGN|Mid-market rate: 1381.2796Nigeria is Africa's largest remittance destination, receiving over $20 billion annually. Exchange rate management by the Central Bank of Nigeria means the rate you get can vary dramatically between providers.
The USD to NGN corridor is unique because Nigeria has historically maintained multiple exchange rates. Since the naira float in 2023, rates have converged but significant differences remain between providers. Some providers deliver at the official CBN rate while others offer rates closer to the parallel market. Always check the exact NGN amount your recipient will receive.
Compare providers: USD to NGN
Sending $1,000 from United States to Nigeria. Sorted by best value — most money received.
#ProviderRateFeeRecipient gets
1
SendwaveBest value
Instant
1393.0205
Free
₦1,393,020.51
2
TapTap Send
Instant
1392.0536
Free
₦1,392,053.62
3
BOSS Money
Instant
1384.7328
Free
₦1,384,732.83
4
Western Union
Minutes0.00% markup
1381.2796
Free
₦1,381,279.64
5
WorldRemit
Minutes to 3 days0.00% markup
1381.2796
Free
₦1,381,279.64
6
Remitly
Minutes to 3-5 days0.00% markup
1381.2796
Free
₦1,381,279.64
7
Ria Money Transfer
1-3 business days0.00% markup
1381.2796
Free
₦1,381,279.64
8
XE
1-4 business days0.00% markup
1381.2796
Free
₦1,381,279.64
9
Paysend
2 days
1383.6278
$1.99
₦1,380,874.39
10
InstaReM
1-3 business days0.15% markup
1379.2077
Free
₦1,379,207.72
11
Revolut
Instant to 3 days0.30% markup
1377.1358
Free
₦1,377,135.80
12
MoneyGram
0-1 days
1397.9931
$15.00
₦1,377,023.22
13
TorFX
1-3 business days0.60% markup
1372.9920
Free
₦1,372,991.96
14
ACE Money Transfer
Minutes to 2 days0.60% markup
1372.9920
$2.99
₦1,368,886.71
15
Wise
1-2 business days0.00% markup
1381.2796
$12.43
₦1,364,110.33
16
Xoom (PayPal)
Minutes to 3 days2.30% markup
1349.5102
Free
₦1,349,510.20
17
OFX
1-3 business days2.70% markup
1343.9851
$8.00
₦1,333,233.20
18
PayPal
Instant to 3 days3.50% markup
1332.9348
$2.99
₦1,328,949.37
Potential savings: Choosing the best provider over the most expensive saves your recipient ₦64,071.14 on a $1,000 transfer.
Best provider for USD to NGN right now
Sendwave
3.5Exchange rate
1393.0205
Fee
Free
Recipient gets
₦1,393,020.51
Speed
Instant
Best provider for each transfer type
Different providers excel at different things. Here's who's best for each use case on the United States to Nigeria route.
💰
Cheapest transfer
Sendwave
Delivers the most NGN for your money
⚡
Fastest transfer
Sendwave
Delivers in Instant
🏪
Cash pickup
Western Union
Widest cash pickup network
🏦
Bank transfer
TapTap Send
Best rate for bank deposit to Nigeria
Transfer examples: USD to NGN
See how much your recipient would get for common transfer amounts.
Send $500
ProviderFeeRateReceivesSpeed
TapTap SendFree1392.05₦696,027Instant
SendwaveFree1391.09₦695,543Instant
BOSS MoneyFree1384.73₦692,366Instant
Western UnionFree1381.28₦690,640Minutes
WorldRemitFree1381.28₦690,640Minutes to 3 days
RemitlyFree1381.28₦690,640Minutes to 3-5 days
Send $1,000
ProviderFeeRateReceivesSpeed
SendwaveFree1393.02₦1,393,021Instant
TapTap SendFree1392.05₦1,392,054Instant
BOSS MoneyFree1384.73₦1,384,733Instant
Western UnionFree1381.28₦1,381,280Minutes
WorldRemitFree1381.28₦1,381,280Minutes to 3 days
RemitlyFree1381.28₦1,381,280Minutes to 3-5 days
Send $5,000
ProviderFeeRateReceivesSpeed
TapTap SendFree1392.05₦6,960,268Instant
Paysend$1.991383.63₦6,915,3862 days
Western UnionFree1381.28₦6,906,398Minutes
WorldRemitFree1381.28₦6,906,398Minutes to 3 days
Ria Money TransferFree1381.28₦6,906,3981-3 business days
XEFree1381.28₦6,906,3981-4 business days
Fees for sending money from United States to Nigeria
Fees range from $0 to $7 depending on the provider and payment method. The much larger cost factor is the exchange rate — differences of 5–10% between providers are common on this corridor. Always compare by total amount received.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically $0–$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (1381.2796).
How long does it take to send money to Nigeria?
Bank transfers to major Nigerian banks (GTBank, Access, Zenith, UBA) typically take 1–3 business days. Mobile money and cash pickup options are available through partners. Some providers offer same-day delivery for an additional fee.
FastExpress delivery
- SendwaveInstant
- TapTap SendInstant
- BOSS MoneyInstant
- Western UnionMinutes
- WorldRemitMinutes to 3 days
Standard delivery
- Ria Money Transfer1-3 business days
- XE1-4 business days
- Paysend2 days
- InstaReM1-3 business days
- MoneyGram0-1 days
Frequently asked questions: United States to Nigeria transfers
What is the cheapest way to send money from the US to Nigeria?
The provider offering the best naira rate changes frequently due to NGN volatility. Wise, Remitly, and WorldRemit are consistently competitive. Always compare the total naira amount received, not just the fee — exchange rate differences can be worth tens of thousands of naira.
Why do exchange rates for NGN vary so much between providers?
Nigeria has undergone significant exchange rate reform. Different providers may source naira at different rates depending on their banking partners and CBN allocation. This creates larger-than-usual differences between providers on this corridor.
How long does a transfer to Nigeria take?
Bank deposits typically arrive within 1–3 business days. Cash pickup and mobile money options can be faster — often within hours. Processing times can vary during periods of high demand or banking holidays.
Is it safe to send money to Nigeria online?
Yes, when using regulated providers listed on our comparison. All major providers (Wise, Remitly, WorldRemit, Western Union) are licensed by FinCEN in the US and use bank-grade encryption. Always verify the recipient's details before sending.
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