Apps to Send Money

Top 10 Best Apps to Send Money from Other Countries to Nigeria

Have you ever found yourself Googling 'cheapest way to send money to Nigeria' after a bad experience with excessive fees, delayed transfers, or unclear apps? I have been there, too.

As someone who sends money back home to help family and friends, I understand how annoying it is when your hard-earned money takes days to arrive or, worse, evaporates into thin air with no customer service.

That's why I created this list. In this article, I'll present to you the top ten best applications for transferring money to Nigeria, highlighting their features, benefits, and how they make the process quick and simple.

Best Apps for Sending Money to Nigeria

Whether you're a Nigerian student abroad, a parent sending support, or just someone looking to help a loved one, these are the ten finest and most trusted apps for transferring money from overseas to Nigeria.

Wise App

Wise is one of the cheapest and most secure ways to send money to Nigeria. This transfer service uses the mid-market exchange rate, which is the same as what you would get on Google, so you receive more for your money.

Transfers to Nigeria are often done on the same working day, making it an excellent choice for those looking for a low-cost solution to send money to Nigeria.

There is no minimum transfer amount on Wise, and the highest monthly transfer limit is 120,000 GBP (or equivalent in NGN).

Wise

However, keep in mind that your precise transfer limit may differ depending on the country you live in and how much verification you've completed.

Special Features:

Monitor real-time currency rates and create notifications to transfer funds when rates are advantageous.
Manage over 40 currencies in one account.
Create automatic, repeating transfers for regular payments, such as monthly family support.

Fees

Fees are explicitly indicated before confirming the transfer.

In pounds: £1.62 + 0.55% of the converted value.
In dollars: $8.23 plus 0.51% of the amount converted

Security:

Wise uses two-factor authentication (2FA) and advanced encryption technologies to secure user data and transactions. The app is also overseen by financial regulators from several nations.

How to use Wise:

Download the Wise app and join up.
Verify your identify using a government-issued ID.
Enter the amount you want to send and choose Nigeria as the destination country.
Please include the recipient's full name and Nigerian bank account details.
Fund your transfer with a bank transfer, debit card, or credit card.
Check all details, including fees and exchange rates, and then confirm the transfer.

Sendwave

Sendwave is a service that enables low-cost money transfers from various North American and European nations to Nigeria. Sendwave currently enables cash pickup and transfers to three Nigerian banks: Access, Zenith, and Fidelity Bank. And the best part? You can enjoy no transfer fees.

Sendwave

When making international payments to Nigeria via Sendwave, there are daily and monthly limits on how much you can transfer. To find out what your sending restrictions are, go to the app's Menu and tap My restrictions. These restrictions grow automatically as you make more purchases.

Special Features:

No transfer fees
Funds are usually delivered within minutes.

Security:

Sendwave uses 256-bit encryption to protect your information during transactions. Additionally, Sendwave is licensed in every country where it operates.

How to use Sendwave:

Download the app and join up.
Verify your identify using a government-issued ID.
Link your debit card.
Enter the recipient's bank account information from Nigeria.Please enter the amount and confirm the transfer.

Remitly

Remitly provides cash pickups, mobile money transfers, and bank deposits to Nigeria's most popular banks, including First Bank, Access Bank, Ecobank, United Bank For Africa (UBA), First City Monument Bank (FCMB), and Union Bank.

It provides two basic transfer options: economy and express. The Economy option allows you to send money for a cheaper cost, but transfers take longer, whilst Express transfers are almost instant but have slightly higher fees.

Perhaps the most exciting aspect of using Remitly is their new client promotion, which provides a better exchange rate on your first money transfer. This discount rate applies to the first 500.00 USD sent. In addition, when shipping from USD to NGN, you will pay no fees.

Special Features:

Delivery through bank deposits, cash pickups and mobile money
Promotional exchange rate for first-time users
Real-time transfer tracking

Transfer Limits

There are restrictions on how much you can send in 24 hours, 30 days, and 120 days, depending on your location, the recipient's location, and identification verification.

Security:

Remitly uses industry-standard security mechanisms like encryption and fraud detection systems. The software also accepts biometric logins for safe and convenient access.

How to use Remitly:

Create a free account on the Remitly application.Enter the amount you want to send.Please provide the recipient's name, city, and bank details for cash pick-up and bank deposits.
If this is your first transfer, you'll need to supply your address, contact information, and date of birth.
Enter a payment method.
Please review the details and confirm the transfer.

WorldRemit

WorldRemit is a well-known international platform that lets you send money straight to Nigerian bank accounts, mobile wallets, or cash pickup from more than 50 countries. Access Bank, Ecobank, FCMB, Fidelity, First Bank, GT Bank, UBA, Union Bank, and Zenith Bank are among the Nigerian banks that can accept transfers via WorldRemit as of 2025.

Depending on the country of the sender, the recipient, and the mode of payment, WorldRemit has transfer restrictions. You can benefit from fee-free transfers when sending in Naira, and transactions to Nigeria are usually finished in a matter of minutes.

Special Features:

Multiple delivery options
Real-time tracking of transfer
24/7 customer support.

Security:

WorldRemit uses stringent security measures, including encryption techniques and two-factor authentication. Financial regulators in several nations also oversee the platform.The

How to Use WorldRemit:

Get the app and register.
Check your information.
Enter how much you want to send, how you want to pay, and how your recipient wants to receive the money.
Give the recipient's complete name and bank account details.
Use a credit or debit card to pay for your transfer.

5. TransferGo

You may send money to Nigerian bank accounts for free and in a matter of minutes with TransferGo. In order to avoid costly international transfer fees, transfers are typically performed locally, from TransferGo's Nigerian account to your recipient's Nigerian account.

Instant card transfers, bank transfers, and next-day transfers are all possible with TransferGo to Nigeria. With the fastest option, your recipient in Nigeria can get funds in less than 30 minutes. The platform gives you the opportunity to pick between cheaper fees and faster delivery.

Special Features:

Select between choices for normal and expedited delivery.
Clear pricingThe
Navigating the app is simple.The

Security:

TransferGo is governed by UK and EU legislation and has FCA approval. To safeguard your funds and information, the app uses fraud detection technologies and end-to-end encryption.The

How to Utilize TransferGo:

Make a free account on the TransferGo app, choose Nigeria as your destination, then enter the desired amount.Give the recipient's name and bank account information.Choose the delivery method that you want.Make a payment with a credit card, debit card, or bank account.Examine the information and verify the transfer.

6. Western Union

One of the most reputable and established brands in international money transfers is Western Union. You may send money to Nigeria via its app from more than 200 countries, and the recipient can either pick it up in cash at a Western Union agent location or receive it in their bank account.

Transfers to well-known Nigerian banks like First Bank, GTBank, and Access Bank are supported by the app.

Additionally, Western Union alerts you of any changes in fees or exchange rates and offers real-time transfer tracking. The sending nation, payment type, and delivery choice all affect transfer costs.

You can use their price estimator tool to determine the entire cost of your transfer, and the site offers competitive exchange rates, so don't worry. When utilizing the cash pickup option, transfers to Nigeria are usually finished in a matter of minutes.

Special Features:

Transfer funds straight to bank accounts or arrange for cash pickup.
Use the app to check the status of your transfer.

Security:

Western Union uses top-notch security features, such as encryption, fraud detection systems, and real-time transfer tracking.

How to Make Use of Western Union

Create an account on the Western Union app and confirm your identity.
Select "Send Now."
Enter the amount you want to send and choose Nigeria as the destination nation.
Give the recipient's complete name and bank account details, or choose cash pickup.
Use a credit card or debit card to make the payment.
Verify the transfer and double-check all the information.
Keep an eye out for an email confirmation that includes a tracking number (MTCN).

7. Afriex

Afriex is a cutting-edge money transfer service that provides quick and reasonably priced transactions to Nigeria. Your recipient will receive more in their local currency because to its cheap exchange rates and zero transfer costs.

Afriex

You can send up to $3000 (or NGN equivalent) to Nigeria every day using this app. Further verification could be needed in order to raise your transfer limitations. For larger quantities, further documentation might be needed. This app's ability to transfer and receive cryptocurrency is my favorite feature.

Special Features:

Transmit and receive cryptocurrency
Use the app to save and exchange foreign currency.
User-friendly app

Security

Afriex complies with PCI DSS and has ISO 27001 certification. To secure user data, they employ two-factor authentication and industry-standard encryption technologies. The

How Afriex Is Used:

Install the app and register for an account.
Confirm your identity
Add the recipient's information and your bank details.
Put the desired transfer amount in writing.
Verify transaction information and transfer funds.

8. MoneyGram

MoneyGram

MoneyGram is a reputable money transfer service that lets you schedule for cash pickup at several locations throughout Nigeria or send money straight to Nigerian bank accounts. The software facilitates foreign transfers in over 200 countries and is easy to use.

The first transfer is frequently free, however the costs for sending money vary based on your location and the transfer type. MoneyGram is a good option for sending money to Nigeria because it also provides reasonable currency rates. More than 20 Nigerian banks, including Access Bank, First Bank, GTBank, UBA, and FCMB, are presently partners of MoneyGram.

Special Features:

The application is easy to use.
Nigeria has hundreds of cash pickup locations.

Security

To stop fraud, MoneyGram keeps an eye on transactions for unusual activity. Additionally, they offer tools to inform customers about typical frauds and how to steer clear of them.

How MoneyGram is Used:

Use the app or go to an agent's location.
Give the recipient's information
Cover the cost of the move
Give the recipient the eight-digit reference number if you're using cash pickup.

9. Revolut

Revolut is a financial app that offers international money transfers at competitive rates. You may swiftly and affordably transfer money to Nigerian bank accounts with Revolut. The app supports several currencies, including NGN, and is accessible in more than 30 countries.

Revolut is a desirable choice for people who need to move money frequently because of its quick processing times and competitive exchange rates. Revolut provides users with a full range of digital banking services, including virtual cards, cryptocurrency trading, and budgeting tools, in addition to money transactions.

Special Features:

User-friendly app

Security:

To stop fraud, Revolut employs two-factor authentication. Additionally, facial recognition or fingerprints are needed to use the app.

How Revolut is Used:

Install the app and register for an account.
Use a card or bank transfer to add money to your account.
Include the recipient's information and currency.
Verify the transfer information and press Send.

10. Grey

You may send money directly to Nigeria in a variety of currencies with the Grey app. Nigerian independent contractors and remote workers who get paid by foreign clients will especially benefit from this transfer service. Transfers to Access Bank, First Bank, GTBank, UBA, Zenith Bank, and other major Nigerian banks are supported by Grey.

You can effortlessly move between currencies including USD, EUR, GBP, and NGN thanks to the app's user-friendly interface and currency conversion capabilities. Grey offers minimal costs, and utilizing the GreyTag to transfer money from one Grey account to another is free.

Special Features:

To accept payments from abroad, open free USD, GBP, and EUR accounts.
Use Grey's virtual cards to make purchases online.
Use GreyTag to rapidly and cost-free send money to other Grey users.

Security:

Grey uses encryption and two-factor authentication (2FA) to protect user information and transactions. Furthermore, the platform is governed by FINTRAC in Canada and FinCEN in the United States, guaranteeing adherence to global banking norms.

How Grey is Used

After downloading the mobile app, register with your email address and finish the verification process.
Start a transfer to a bank account in Nigeria or another Grey user.
Give the recipient's account information.
Use your credit or debit card to fund the transfer.
Verify the transfer

Frequently Asked Questions

Which app can I use to transfer money to a Nigerian account?

You can send money straight to Nigerian bank accounts via apps like Wise, Remitly, WorldRemit, MoneyGram, and Western Union. Major Nigerian banks, including GTBank, Zenith Bank, UBA, and Access Bank, are supported by these apps, which facilitate speedy and safe money transfers.

What is the easiest way to send money to Nigeria?

Sendwave, WorldRemit, Revolut, and other international remit mobile apps are the simplest ways to send money to Nigeria. These apps let you send money directly to a Nigerian bank account or for cash pickup. Transfers are frequently finished in a matter of minutes, and the procedure is simple.

What is the best app to send money to Nigeria?

Your needs will determine which app is ideal for you. Sendwave is excellent for speed and affordable fees. Apps like Western Union or WorldRemit can be preferable if you want additional alternatives like bank deposits, cash collection, and mobile wallets. Both collaborate with significant Nigerian banks and provide competitive exchange rates.

Is it safe to use money transfer apps?

Yes, using money transfer applications is safe. These apps offer several security safeguards to make sure your money gets to the appropriate destination and employ encryption to protect your data. Use reputable apps at all times, and don't give out your personal information to outside parties.

Which apps for sending money to Nigeria are free to use?

There are two apps that let you send money to Nigeria without paying transfer fees: Afriex and Sendwave. They are affordable choices since they provide quick transfers and competitive currency rates.

Conclusion

It doesn't have to be difficult or costly to send money to Nigeria from overseas. Every program has its own advantages, such as no costs, quick transactions, or extra features like cryptocurrency choices. I think there is an app here to suit your demands, no matter what they may be.

Depending on what I'm attempting to do, I alternate between Wise and Sendwave, but the recipient's preferences, the amount you're sending, and the speed at which it must arrive will all influence your decision.