TapTap Send is the cheapest way to send money from the United Arab Emirates to Nigeria. Sending 25,000 AED will get you 9,275,000 NGN at 371.0000 NGN per AED.
We’ve compared 4 services and apps below in more detail.
| 4 of 4 providers Last updated on 28 September 2026 | |||
| Based on 25,000 AED transfer Best companies for AED/NGN transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee AED 250.14 1 AED = 372.7200 NGN -3.03% vs mid-market | Recipient gets ₦9,224,767.82 Within minutes | |
Ways to receive money in Nigeria with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer AED 250.141 AED = 372.7200 NGN ₦9,224,767.82You payAED 25,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee AED 0.00 1 AED = 344.0151 NGN +4.98% vs mid-market | Recipient gets ₦8,600,377.50 Minutes - 24 hours | |
Ways to receive money in Nigeria with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 344.0151 NGN ₦8,600,377.50You payAED 25,000.00 | |||
Run a live search Showing top United Arab Emirates to Nigeria deals for 25,000 AED. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live AED to NGN rates. | |||
Run a live search These companies offer multi-currency accounts for spending NGN. We suggest doing a live search based on how much AED you're planning to spend in Nigeria. | |||
Run a live search These are managed services with real human support for large AED transfers. Click the link and update the transfer amount to get the best deal. | |||
 TapTap Send Pay via Debit card | Fee AED 0.00 1 AED = 371.0000 NGN -2.57% vs mid-market | Recipient gets ₦9,275,000.00 Minutes | |
Ways to receive money in Nigeria with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 AED = 371.0000 NGN ₦9,275,000.00You payAED 25,000.00 Mobile moneyMinutesAvailable via:FairMoney, Kuda Bank, OPay, PalmPay Free1 AED = 371.0000 NGN ₦9,275,000.00You payAED 25,000.00 | |||
| Wise Pay via Bank transfer | Fee AED 250.14 1 AED = 372.7200 NGN -3.03% vs mid-market | Recipient gets ₦9,224,767.82 Within minutes | |
Ways to receive money in Nigeria with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer AED 250.141 AED = 372.7200 NGN ₦9,224,767.82You payAED 25,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee AED 0.00 1 AED = 360.6026 NGN +0.27% vs mid-market | Recipient gets ₦9,015,065.00 Minutes - 24 hours | |
Ways to receive money in Nigeria with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 360.6026 NGN ₦9,015,065.00You payAED 25,000.00 | |||
| Xe Pay via Bank transfer | Fee AED 0.00 1 AED = 344.0151 NGN +4.98% vs mid-market | Recipient gets ₦8,600,377.50 Minutes - 24 hours | |
Ways to receive money in Nigeria with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 344.0151 NGN ₦8,600,377.50You payAED 25,000.00 | |||
| How Our Results Work Mid-market rate: 1 AED = 361.5789 NGN Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is TapTap Send at 9,275,000 NGN on AED 25,000.
You have 2 ways to pay, including bank transfer and debit card.
Cash at an exchange house counter works, and so does the salary card your wages land on.
You'll need your Emirates ID every time, not just the first.
Registering takes a few minutes with a UAE number. Once it's done, repeat transfers to the same person take seconds.
How much AED you send to Nigeria heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.
| Cheapest service | |||||
|---|---|---|---|---|---|
| AED 3,500 | -2.55% | AED 0.00 | ₦1,298,500.00with debit card to bank deposit | +₦16,830.98 | |
| AED 7,500 | -2.55% | AED 0.00 | ₦2,782,500.00with debit card to bank deposit | +₦72,388.71 | |
| AED 25,000This page | -2.57% | AED 0.00 | ₦9,275,000.00with debit card to bank deposit | +₦246,197.42 | |
| AED 50,000 | -2.55% | AED 0.00 | ₦18,550,000.00with debit card to bank deposit | +₦477,170.55 | |
| AED 200,000 | -2.55% | AED 0.00 | ₦74,200,000.00with debit card to bank deposit | +₦1,900,734.47 | |
| AED 350,000 | -2.57% | AED 0.00 | ₦129,850,000.00with debit card to bank deposit | +₦3,337,524.52 | |
| AED 1,000,000 | -2.55% | AED 0.00 | ₦371,000,000.00with debit card to bank deposit | +₦9,424,658.47 |
Mid-market rate: 1 AED = 361.5789 NGN
4 companies send money from the UAE to Nigeria, split between app, online, broker, multi-currency account, and global account, and more.
For frequent transfers home
If you send NGN home monthly, money transfer apps like TapTap Send are the easiest with good AED/NGN rates.
Botim, Careem Pay, and e& money are convenient but TapTap Send is cheaper.
On AED 25,000 transfer it will get you 9,275,000 NGN in minutes (after 0 fee and -2.57% markup).
You'll need your Emirates ID and a UAE number to register.
For small urgent transfers
You can send AED to Nigeria now, and pay for it in the coming weeks.
Botim and Payit are good options, but it’s a credit, so it costs more and you can’t miss any payments.
We’ve covered this in more detail in our Send Now, Pay Later guide.
For mid-sized transfers from UAE
Sending AED 5,000 to Nigeria is usually cheaper with online money transfer services like Wise.
Wise gets you 9,224,767.82 NGN on AED 25,000 transfer, with a AED 250.14 fee and -3.03% markup.
For sending large amounts
Brokers are great for international property, school fees abroad, or moving your savings home when you leave the UAE.
A broker like Regency FX charges no fee and adds 0.27% on AED/NGN exchange rate with someone on the phone guiding you through the process.
For UAE businesses trading abroad
Global accounts are for businesses, paying overseas suppliers, collecting from customers abroad, and holding a few currencies at once.
Companies like IFX, Sokin, VertoFX, or Wise Business can handle the batch payments, invoices and multi-currency balances.
For receiving money
A multi-currency account lets you hold dirhams and/or NGN side by side.
This is useful if you’re getting paid in NGN, or travelling to Nigeria.
I’d suggest Wise for this.
Wise converts 9,224,767.82 NGN at -3.03% markup and holds it until you send or spend it, and gives you account details to receive NGN.
We've covered this in more detail in our guide to multi-currency accounts.
With TapTap Send, paying by debit card and receiving through bank deposit is the cheapest combination. Sending AED 25,000 gives your recipient 9,275,000 NGN.
You can pay in AED by bank transfer and debit card.
In Nigeria, the recipient can receive NGN through bank deposit and mobile money.
They can receive money via bank deposit and mobile money.
You pay .د.إ25,000.00
₦9,275,000
Cheapest
You pay .د.إ25,000.00
₦9,275,000
₦0
You pay .د.إ25,000.00
₦9,224,768
-₦50,232
The UAE has plenty of ways to send money, but the branch fee, exchange rate and ID checks can change what works best for you.
For an AED 25,000 transfer to Nigeria, the current options look like this.
The cheapest option is TapTap Send, funded by debit card with bank deposit for the payout. Your recipient gets 9,275,000 NGN, which is 0.54% more than the next best option.
The fastest option is Wise, funded by bank transfer with bank deposit in Nigeria. Your recipient gets 9,224,767.82 NGN in within minutes.
Banks, apps and exchange houses need to identify you.
Your Emirates ID and UAE mobile number normally cover a routine transfer, while a large or unusual payment can trigger questions about your salary and source of funds.
For property, tuition or moving savings when you leave the UAE, keep the sale agreement, school invoice or bank statement ready.
A transfer funded from your salary account is easier to explain than a large cash deposit made just before sending.
Currency exchange and remittance services require a Central Bank of the UAE licence.
Check the legal name in the CBUAE licensing register before handing over cash or uploading your ID.
The CBUAE consumer standards require licensed companies to show the exchange rate and fees before the transfer, then include the amount received and complaint details on the receipt.
Avoid a personal bank account or WhatsApp dealer offering a better rate outside a licensed branch.
The UAE's declaration rules for carrying cash across the border do not set a limit on an electronic transfer.
Your bank or exchange house can still set its own transaction limit and request additional documents.
If you send the same amount every month, complete the ID checks in the app or branch once and save the verified recipient.
This reduces mistakes without bypassing the checks on later transfers.
The dirham is pegged to the US dollar, but the AED/NGN rate still moves. Checking the recent range helps you assess the amount offered in NGN.
Mid-market rate:1 AED = 361.73225 NGN
We track 4 licensed companies sending AED to Nigeria, refreshed in real time during live comparisons.
Because the dirham is fixed to the dollar, we compare on what arrives in NGN rather than on the fee, alongside the deposit and payout options.
Every company goes through our review before it appears.
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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