Top 20 Best Apps to Send Money to Nigeria from US, UK, Canada & Other Countries In 2022

In this article, you will learn about the best apps to send money to Nigeria from US, UK, Canada and other Countries without any stress or panic.

In the age of the internet and smartphones, almost everything is hassle-free and at our fingertips. Additionally, it has become easier to transfer money from one country to another.

Because of the strict money transfer regulations imposed by the CBN regarding non-compliance with anti-money laundering laws, it is currently difficult to send money to Nigeria.

Throughout this guide, you will learn how to send money to Nigeria and how to send money to Nigeria from anywhere (city) in the world.

In addition, you’ll learn how to make secure and fast money transfers to your recipient, as well as how to keep your transfer fees affordable.

Here are the best apps for sending money to Nigeria:

Best Apps to Send Money to Nigeria from USA, UK, Canada & Other Countries

1. WorldRemit

WorldRemit is one of the best platforms people in different countries use to send money to Nigeria. With Worldremit you can send money to Nigeria as cash pickup or as a bank transfer and as an airtime popup. However, you can only send a bank transfer to Dollar accounts (domiciliary accounts) in Nigeria.

The banks in Nigeria you can send money to are: Fidelity, FCMB, FirstBank, Access Bank, Diamond Bank and Ecobank. While the mobile money wallets you can send money to in Nigeria with WorldRemit are Opay and PagaTech. Even though sending to mobile wallets are not possible right now because of the new CBN directive.

The maximum amount of money you can send to Nigeria with WorldRemit is around ₦7,000,000 per transfer and per day for bank transfers. However, the limits depend on the country you’re sending from and the payment method you intend to use.

2. RIA Money Transfer

RIA Money Transfer is one of the biggest money transfer services in the world. It is available in 314,000 locations around 144 countries worldwide. Other than its money transfer service, RIA Money Transfer also offers bill payments, debit card services, money orders and tracking.

RIA money transfer has partnered with Nigerian banks like Diamond Bank, First Bank, Skye Bank and Ecobank make sending money from other countries to Nigeria easy.

RIA Money Transfer charges are clear and there are no hidden charges; If you want to send money with RIA, you’ll need to register for a RIA account by visiting RIA online.

After registering for a RIA account and it has been authorized, you can now send money to Nigeria. RIA offers three payment methods for sending money to Nigeria, they are by bank account, debit or credit card. You can also track your transaction till the money reaches the recipient.

The person collecting the money needs to prove their identity via a Nigerian national identity card, driver`s license or international passport. And also provide the pin given by the sender. And also state the amount of money the sender sent.

The RIA Money Transfer Limit for Nigeria is currency $500. The recipient will receive the money in dollars not a naira equivalent.

Helpful Suggestion: Best Fintech Money Transfer Companies

3. Eversend

Eversend is a multi-currency e-wallet that allows anyone to exchange, save and send money instantly at the best possible rates – within and beyond Africa.

You can send instant bank transfers to bank accounts in Nigeria with the Eversend app.

Eversend claims to save up to 70% in fees and foreign exchange. Eversend also allows you to create a virtual debit card and shop online, instantly. You can load the virtual debit card in any currency and shop in USD.

The app also allows you to hold and exchange multiple currencies including USD, EUR, NGN, KES, UGX, RWF and GBP.

You can send money to Nigeria with Eversend from any of these countries:

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

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

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

4. Sendcash Africa

Sendcash is an easy way for people to send money to Nigerian bank accounts from anywhere in the world within minutes using Crypto via your bank card, Apple Pay, Cash App or a Crypto wallet.

It’s a great platform for sending money to family and friends who are in Nigeria or for those receiving money from clients abroad as a freelancer or creatives in Nigeria.

Sendcash is fast, affordable and requires no sign-up. Just input the account number you want to send money to and you’re good to go. Transfers on Sendcash can take between a few minutes to four hours based on liquidity and current rates.

Sendcash has 2 transfer methods. Via a bitcoin wallet and USDC with Wyre (Bank Card or Apple Pay). The transaction limit when using a bitcoin wallet is $2500 while the limit with Wyre is $1000.

If you’re using a bitcoin wallet for the transfer, Sendcash doesn’t charge a fee but the external crypto wallet you use might charge a fee.

5. Remitly

Remitly is another good international money transfer service you can use to send money to Nigeria.

Remitly is a great digital alternative to traditional money transfer services like Western Union and Money gram, as it makes sending money to Nigeria fast, secure and relatively inexpensive.

You can send money to Nigeria using Remitly online money transfer service or the Remitly app on your smartphone or tablet.

Remitly can only transfer money to your recipient in Nigeria via cash pickup or bank deposit in US dollars (USD). To receive money in bank deposits from Remitly, the recipient will need to own a domiciliary account.

Best apps to send money

6. Azimo

Azimo is one of the fastest and cheapest ways to send money to Nigeria. With Azimo you can send money to Nigeria via cash pick up and to Dollar (USD) and Pounds(GBP) accounts in Nigeria via SWIFT.

Azimo claims to be 77% cheaper than other money transfer providers.

When sending money to Nigeria with Azimo, your recipient will receive an email with pick-up instructions when the transfer is ready for collection. An OTP SMS will be sent to the recipient number provided. Without it, your recipient will not be able to collect their cash at the pick-up location.

When sending money with Azimo the payment methods are Debit or credit card, Bank transfer via online banking (not available in countries like from Poland, Denmark, Norway, Sweden or Australia), and SOFORT (not available in countries like Austria, Belgium, Germany, Italy or Netherlands).

7. TransferGo

TransferGo is an affordable international money transfer company that you can use to send money to Nigeria. The company currently serves 22 currencies across over 47 countries.

TransferGo is a licensed and authorized payment institution regulated by the FCA (Financial Conduct Authority) and supervised by HMRC (Her Majesty’s Revenue and Customs) in England, so they have the same security standards as any commercial bank does.

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

Their pricing is based on very competitive currency rates, and how quickly you want the money you send to arrive at its destination, and that’s it.

8. Paystack

Paystack is a payment company operating in Nigeria and other parts of Africa. While Paystack isn’t a money transfer service, it offers a way for anyone outside Nigeria to send money to people in Nigeria who have a Paystack account.

If the person you want to send money to in Nigeria has a Paystack account they can send you a payment link that they can create in their Paystack dashboard.

You’ll have to make the payment with a debit or credit card. Paystack is used by Nigerian businesses, creatives and freelancers to collect payments worldwide.

Paystack is a good alternative to money transfer services and their issues.

9. Send by Flutterwave

Send by Flutterwave, just like Paystack, is a money transfer service that allows people with Flutterwave accounts to receive funds from anywhere in the world.

Send allows barter accounts, mobile money wallets, bank accounts, and even cash pick-up locations.

With Send by Flutterwave, you can make instant money transfers from various countries around the world. You can transfer funds using different options to send money to local bank accounts and mobile money wallets as well.

10. MoneyGram

Moneygram is one of the oldest and most reliable ways to send money to Nigeria. MoneyGram has over 350,000 agent locations around the world and partners with 400 banks around the world.

Moneygram is referred to as the second-largest global Money Transfer service so you can be sure that if you send money to Nigeria with MoneyGram, your money will definitely reach its intended destination.

11. Western Union

We all know about WesternUnion. It’s still one of the best ways to send money to Nigeria. Regarded as the biggest money transfer service in the world, WesternUnion is still a great option for sending money if you don’t mind visiting a bank.

12. Wise (formerly known as TransferWise)

If you prefer to transfer money online, Wise is one of the easiest ways to do it. It’s incredibly simple to set up an account or make a transfer using their app. They also have the best exchange rates, because they offer the same market rate you see on XE or Google and don’t add any hidden exchange rate mark ups.


13. Xoom powered by PayPal

Xoom is convenient for money transfers, but costly compared to other money transfer specialists.

How much does it cost?

Transfer Fee: Differs depending on amount and how you pay them. Paying them by bank transfer is free, but if you pay by card the fee is percentage based.

Exchange Rate: A margin is added to the exchange rate when you convert your US dollars (USD) into Nigerian Naira (NGN).

Best apps to send money

14. 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.

15. 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.

16. OFX

With OFX’s mobile app, you can make money transfers of $1,000 or more to 195 countries worldwide. You can also use the app to register for an OFX account, monitor current and historical exchange rates, track your transfers and set rate alerts. Transactions are free, but OFX takes a slight margin on currency exchange rates.

17. XE Money Transfer

The XE Money Transfer app lets you exchange money at a more competitive exchange rate than you’d find at the bank and makes tracking multiple exchange rates a breeze. It also offers low fees and low minimum transfer amounts.

Helpful Content: Best International Money Transfer Apps for iOS and Android

FAQ on Best Apps to Send Money to Nigeria from USA, UK, Canada & Other Countries

Below are some frequently asked questions about the best apps to send money to Nigeria form other countries:

How much does money transfer to Nigeria cost?

To send money in Great Britain Pounds (GBP) to Nigeria, you pay a small, flat fee of 0.46 GBP + 0.51% of the amount that’s converted (you’ll always see the total cost upfront).

How do I send money to Nigeria from the USA?

Choosing the right way to send money, will largely depend on your payment method. Some payment methods are faster than others. Some can be instant, while others are cheaper.

Are these Apps to Send Money to Nigeria from USA, UK, Canada & Other Countries safe

Yes, all the apps listed here are safe, because they all use industry-leading technology to protect your money. So, you’re good to go.


When sending money to someone in Nigeria, in addition to the above mentioned apps, you also need to take into account factors such as the total cost of a transfer, speed of transfer, and geographical location of the recipient.

Several money transfer apps are restricted to specific countries. This is because not all of them are available everywhere.

It’s best to select the app and service that’s most convenient for you. It’s obvious that being able to do an online transfer is the whole point, isn’t it? Yes it is!

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