9+ Best Apps to Send Money to Nigeria (From US, UK, AU & More)

This is now a topic of concern, because sending money to Nigeria from other countries is always of great help to our relatives and friends living here.

But at the same time, it might be difficult as well because of the strict money transfer regulations that have been put in place. 

With the help of internet and smartphones, the whole process of sending and receiving money has been made easier.

There are over a 1000 app to send money to your employee, friends and family as a well as pay freelancers in Nigeria.

In this article, I’ll share with you best apps to send money to Nigeria and how sending money to Nigeria actually works.

This guide will go a long way to create additional value, by pointing out the actual challenges and ways to totally avoid them.

However, there are usually charges associated with these transfers, so you need to check your fees. The best services will definitely always offer quite reasonable rates that’ll be convenient.

Security is also one thing you should look out for, when using money transfer apps. You need to ensure that your transactions are protected, and this should include a very strong encryption between devices.

To make  things easier for you, we have carefully selected some apps we think will suite your international money transfer needs to Nigeria.



Best Apps to Send Money to Nigeria in 2021



1. Payoneer

Payoneer is an online banking platform through which people and send and receive money in Nigeria.

With Payoneer, you can open a virtual bank account in various currencies such as US Dollars, Euros and British Pounds.

Whether you are a professional or freelancer or small business owner, Payoneer offers you the opportunity to receive payment from the global marketplace easily.

Payoneer also provide their users with cards such as MasterCard and Visa. Because of the limitation with Paypal, Payoneer is the best alternative platform to send and receive money in Nigeria.

Payoneer charges $15 for every withdrawal made to your bank account.

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2. Deel

If you are an employer with remote workers in Nigeria, Deel is the first payroll platform that keep payment records and automates everything.

Deel is one of the trusted payment platform trusted by remote workers all over the world.

As a contractor for foreign companies, you will need a verified account to be able to receive fund from abroad to your Nigerian bank account.


Deel supports bank transfer, Payoneer, Paypal, Coinbase, Revolut and Wise withdrawal methods.

Also, charges applies for every withdrawal made from your Deel account.



3. Bitcoin

Interestingly, bitcoins can be used as a means to send money to Nigeria. At the same time, the exchange of bitcoins to naira can be done by using a peer-to-peer marketplace with the help of an app called Send cash and Paxful.

Bitcoin Is simply a type of digital currency that can be used to pay for goods and services, or it can also be used to send money to anyone of your choice. 

You’ll definitely need a wallet to complete any Bitcoin transaction. The term “Bitcoin wallet” should not scare you. A Bitcoin wallet is just similar to checking your account.

You simply transfer the Bitcoin equivalent amount of the amount you want to send in your wallet to a wallet owned by the person you intend sending the Bitcoin to.

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4. Send Money to Nigeria with WorldRemit.

I’ll like you to know that as at December 2020, the Central Bank of Nigeria actually announced a few changes to the ways people can receive money.

The amazing feature of WorldRemit is simply the fact that it offers you the option of sending money for either cash pickup in US dollars or to a legal US dollar bank account in Nigeria.

Below are a few tips to make sure your transaction goes very well.

Let’s get started!

  • You really can’t send transfers in Naira, so if you’re trying to do this the transaction will definitely not work out
  • When sending money for Cash pickup, it’s so necessary that you check the primary phone number of the recipient, to make sure it’s correct. A code will be sent to the number you provided. 

Note: 9mobile network numbers are not valid for this, because they’re unable to receive the code.

  • Round up transactions for cash pickup, to the nearest 10USD, this will help minimize chances that notes will be available to get.
  • However, transactions that are sent through bank transfer has to be sent to a domiciled US dollar bank account in Nigeria.

At the same time, not all banks partner with WorldRemit. The banks that partner with WorldRemit are; First Bank, AccessBank, Diamond Bank, FCMB, Fidelity and Ecobank.

There’s a maximum amount of money that can be sent to Nigeria, and that’s a maximum of N7,000,000 per transfer and per day for bank transfers.

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5. Azimo

This app offers the money transfer to Nigeria as bank transfer and as airtime popup too.

The banks that partner with Azimo are ;Zenith Bank, GT Bank, Diamond Bank, Access Bank, UBA Bank, and Ecobank.

However, Azimo does not offer it’s services in USA and Canada although at the same time, it’s a very good option for money transfer from UK and Europe to Nigeria.

Also, with Azimo you can directly send money to your receiver’s bank account and for cash pickup. Your recipient will not have to pay any fees to receive the money you sent. 

Azimo is actually 77% cheaper than other transfer providers.



6. TransferGo

This is a quite affordable  international money transfer company that can be used to send money to Nigeria. At the moment, the company serves 22  currencies across over 47 countries.

With TransferGo, you really do not need to have any worries because it is not only a licensed but authorized payment institution regulated by the FCA (Financial Conduct Authority) and then supervised by HMRC (Her Majesty’s Revenue and Customs) in England.

Therefore, they have same security standards as any commercial Bank will.

TransferGo actually delivers high-quality money transfers with speed,ease and extremely excellent value.

Also, another thing about TransferGo is that their pricing is based on very competitive currency rates, and how fast you want the money being sent to arrive at it’s destination. It’s that simple.

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7. Paystack

This is a payment company that operates in Nigeria and in other parts of the world. Although Paystack might not be money transfer service, but it goes a long way to make a way for people outside Nigeria to send money to those in Nigeria with a Paystack account.

If your recipient in Nigeria has a Paystack account,he or she can send you a payment link that they can create in their Paystack dashboard.

Also, the payment will have to be made with a debit or credit card. In Nigeria, Paystack is issued by Business owners, creatives, and  Freelancers as well to get payments around the globe.

This is an outstanding alternative  for money transfer services. All the same, for the transaction to be successful the money recipient in Nigeria needs to have a Paystack account.



8. Flutterwave

This is really similar to Paystack, and its a money transfer service that allows users with Flutterwave accounts to receive funds from any part of the world. 

You might be wondering what Flutterwave is all about.

Flutterwave is a fintech company based in Nigeria that offers a payment system for global merchants and payment option across the continent.

Founded: 2016

CEO: Olugbenga Ayboola

Founders: Olugbenga Ayboola, Iyinoluwa Aboyeji

Type of business: Privately Held Company

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9. MoneyGram

Just in case this is your first of hearing about MoneyGram, I’ll tell you all about it.

MoneyGram is unarguably one of the oldest and most reliable way to send money to Nigeria from abroad. Currently, MoneyGram has over 350,000 agent locations around the globe and partners with more than 350 banks around the globe.

This should already tell you how legit it is. MoneyGram is simply referred to as the second largest global money transfer service, so with MoneyGram you can send money to Nigeria really fast.

You can be 100 percent sure that your money will get to the intended recipient.



10. Remitly

This is another very good international money transfer service on the list you can think of, when it comes to sending money to Nigeria.

Remitly is such an outstanding digital alternative to traditional money transfer Services such as MoneyGram and Western Union.

This is because Remitly makes money transfers to Nigeria very fast, secure and also not so expensive.

You can also easily access the Remitly app on your smart phone, tablet or computers. Remitly can only Transfer money to the recipient in Nigeria through cash Pickup or bank deposit in USD.

However, for the receiver to receive money in bank deposits from Remitly, it’s necessary for the recipient to own a domiciliary account.

With Remitly, you can send money to Nigeria from the following countries:

Australia, Austria, Germany, Italy, Spain, Sweden, Canada, Belgium, Finland, Netherlands, Singapore, USA, the United Kingdom, France, Germany.

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11. Sendcash Africa

This is a very easy and simple way for people to send money to Nigerian bank accounts from anywhere around the globe.

Just within a few minutes with the use of crypto through your bank card, Apple Pay, Cash App or even a Crypto Wallet.

It is such an amazing platform that can be used to send money to family and friends based in Nigeria or  from those receiving money from clients abroad like a Freelancer in Nigeria.

It might also interest you to know that SendCash is fast, affordable and requires no sign-up. That  just made the whole process a thousand times easier.

You just need to input the account number you intend sending money to, and you’re just good to go.  Money transfers on Sendcash can take between a few minutes to about four hours.

It all depends on liquidity and the current rates at the time.

There are two transfer methods associated with SendCash, and they include;

  • Via Bitcoin wallet
  • USDC with Wyre.

Interestingly, the transfer limit when using a Bitcoin wallet is $2500 and that of Wyre transfer is $1000. 

When using Bitcoin wallet for any Transfer, SendCash does not charge a fee. Your external Crypto wallet might charge a fee though.

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12. Eversend

This is an exceptional multi-currency e-wallet that easily allows anyone exchange, save and also instantly send money at the best possible rates. 

Instant bank transfers can be done to bank accounts in Nigeria with the EverSend App.

The good thing about this app is that it saves up to 70% fees and foreign exchange, yeah. It also gives you the liberty to create a virtual debit card and instantly shop online.

The virtual debit card can be loaded in any currency and then you can still shop in USD.

Asides all I’ve made mention of above, the app allows you hold and exchange currencies like EUR, NGN, KES, UGX, RWF, USD.

You can send money to Nigeria with Eversend from any of the countries listed below;

Europe: Belgium, France, Germany, Switzerland, United Kingdom, Netherlands.

Africa: Ghana, Kenya, Nigeria, South Africa, Tanzania, Rwanda, Uganda, Swaziland.

Rest of the World: Australia, Canada, India, United Arab Emirates, Turkey, United States, South Korea, Kuwait.

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13. RIA Money Transfer

This has been one of the best money transfer apps since the late 1980s and worth about 377,000 locations worldwide.

Ria also has an advantage for pickups In countries like India. 

Signing up on RIA is totally free and your recipient on the other hand does not need to either receive money or even pick up the cash.

RIA might not actually charge for transaction fees but will definitely take a cut by marking up the exchange rate.

RIA currently partners with Nigerian Banks like Diamond bank, First Bank,Skye Bank and Ecobank make the process of sending money from countries like Nigeria actually easier.

There are no hidden charges with RIA money transfer. To successfully send money with RIA, you’ll have to register for a RIA account by visiting RIA online.

After your RIA account has been authorized, you can then freely send money to Nigeria. The receiver’s identity will however be proven with a Nigerian National Identity Card, international passport or driver’s license.

RIA money transfer limit for Nigeria is $500. The money will be received by the recipient in dollars and not in naira equivalent.




Inasmuch as you have the above mentioned apps to choose from, when considering a money transfer to a recipient in Nigeria, you also need to consider factors like: total cost of a transfer, Transfer speed and geographic location.

Because not all money transfer apps will be available available everywhere, some of them are limited to someone countries.

You should go for the app and service that is most convenient for you. Yeah, as we all know that the whole essence of doing an online transfer is for it to be easy, isn’t that it? Then go for the app you can use, with less bugs.

Life should be easy!.

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