Of the 10 companies we analysed, Africhange is the cheapest app overall for sending $2,000 to Nigeria.
On a 2,000 AUD transfer it will get your recipient 1,930,000 NGN.
| 10 of 10 providers Last updated on 28 September 2026 | |||
| Based on 2,000 AUD transfer Best companies for AUD/NGN transfers | |||
| Ad  Wise Pay via Bank Transfer | Fees: $11.60 1 AUD = 961.3800 NGN -3.06% vs mid-market | Recipient gets ₦1,911,607.99 Within minutes | |
Ways to receive money in Nigeria with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $11.601 AUD = 961.3800 NGN ₦1,911,607.99You pay$2,000.00 | |||
| Ad  MoneyGram Pay via Debit Card | Fees: $2.99 1 AUD = 941.5315 NGN -0.98% vs mid-market | Recipient gets ₦1,883,063.00 6-12 Hours | |
Ways to receive money in Nigeria with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 941.5315 NGN ₦1,883,063.00You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 912.0790 NGN ₦1,824,158.00You pay$2,003.99 Mobile money6-12 HoursAvailable via:SmartCash/Airtel Free1 AUD = 867.2000 NGN ₦1,734,400.00You pay$2,000.00 | |||
Run a live search Showing top Australia to Nigeria deals for 2,000 AUD. 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 AUD 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 AUD you're planning to spend in Nigeria. | |||
Run a live search These are managed services with real human support for large AUD transfers. Click the link and update the transfer amount to get the best deal. | |||
 Africhange Pay via Bank Transfer | Fees: $1.10 1 AUD = 965.0000 NGN -3.44% vs mid-market | Recipient gets ₦1,930,000.00 Minutes | |
Ways to receive money in Nigeria with Africhange when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes $1.101 AUD = 965.0000 NGN ₦1,930,000.00You pay$2,001.10 | |||
 Ria Money Transfer Pay via Credit Card | Fees: $2.89 1 AUD = 960.1974 NGN -2.94% vs mid-market | Recipient gets ₦1,917,619.83 6-12 Hours | |
Ways to receive money in Nigeria with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 960.1974 NGN ₦1,917,619.83You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 960.1974 NGN ₦1,917,619.83You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 931.4406 NGN ₦1,860,189.34You pay$2,000.00 | |||
| Ria Money Transfer Pay via Debit Card | Fees: $2.89 1 AUD = 960.1974 NGN -2.94% vs mid-market | Recipient gets ₦1,917,619.83 6-12 Hours | |
Ways to receive money in Nigeria with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 960.1974 NGN ₦1,917,619.83You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 960.1974 NGN ₦1,917,619.83You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 931.4406 NGN ₦1,860,189.34You pay$2,000.00 | |||
| Ria Money Transfer Pay via PayID | Fees: $2.89 1 AUD = 960.1974 NGN -2.94% vs mid-market | Recipient gets ₦1,917,619.83 6-12 Hours | |
Ways to receive money in Nigeria with Ria Money Transfer when paying by payid. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 960.1974 NGN ₦1,917,619.83You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 960.1974 NGN ₦1,917,619.83You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 931.4406 NGN ₦1,860,189.34You pay$2,000.00 | |||
| Wise Pay via Bank Transfer | Fees: $11.60 1 AUD = 961.3800 NGN -3.06% vs mid-market | Recipient gets ₦1,911,607.99 Within minutes | |
Ways to receive money in Nigeria with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $11.601 AUD = 961.3800 NGN ₦1,911,607.99You pay$2,000.00 | |||
| Wise Pay via Osko | Fees: $11.60 1 AUD = 961.3800 NGN -3.06% vs mid-market | Recipient gets ₦1,911,607.99 Within minutes | |
Ways to receive money in Nigeria with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $11.601 AUD = 961.3800 NGN ₦1,911,607.99You pay$2,000.00 | |||
 TapTap Send Pay via Debit Card | Fees: $0.00 1 AUD = 955.0000 NGN -2.40% vs mid-market | Recipient gets ₦1,910,000.00 Minutes | |
Ways to receive money in Nigeria with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 AUD = 955.0000 NGN ₦1,910,000.00You pay$2,000.00 Mobile moneyMinutesAvailable via:FairMoney, Kuda Bank, OPay, PalmPay Free1 AUD = 955.0000 NGN ₦1,910,000.00You pay$2,000.00 | |||
| Wise Pay via Debit Card | Fees: $17.12 1 AUD = 961.3800 NGN -3.06% vs mid-market | Recipient gets ₦1,906,301.17 Within minutes | |
Ways to receive money in Nigeria with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $17.121 AUD = 961.3800 NGN ₦1,906,301.17You pay$2,000.00 | |||
 Xe Pay via Bank Transfer | Fees: $0.00 1 AUD = 950.7800 NGN -1.95% vs mid-market | Recipient gets ₦1,901,560.00 6-12 Hours | |
Ways to receive money in Nigeria with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 950.7800 NGN ₦1,901,560.00You pay$2,000.00 | |||
| Xe Pay via Debit Card | Fees: $6.00 1 AUD = 950.7800 NGN -1.95% vs mid-market | Recipient gets ₦1,895,855.32 6-12 Hours | |
Ways to receive money in Nigeria with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $6.001 AUD = 950.7800 NGN ₦1,895,855.32You pay$2,000.00 | |||
| Wise Pay via Credit Card | Fees: $30.60 1 AUD = 961.3800 NGN -3.06% vs mid-market | Recipient gets ₦1,893,341.77 Within minutes | |
Ways to receive money in Nigeria with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $30.601 AUD = 961.3800 NGN ₦1,893,341.77You pay$2,000.00 | |||
| Xe Pay via Credit Card | Fees: $15.00 1 AUD = 950.7800 NGN -1.95% vs mid-market | Recipient gets ₦1,887,298.30 6-12 Hours | |
Ways to receive money in Nigeria with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $15.001 AUD = 950.7800 NGN ₦1,887,298.30You pay$2,000.00 | |||
 Western Union Pay via Debit Card | Fees: $0.00 1 AUD = 943.1714 NGN -1.15% vs mid-market | Recipient gets ₦1,886,342.83 Next Day | |
Ways to receive money in Nigeria with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 943.1714 NGN ₦1,886,342.83You pay$2,000.00 | |||
| Western Union Pay via Bank Transfer | Fees: $0.00 1 AUD = 943.1714 NGN -1.15% vs mid-market | Recipient gets ₦1,886,342.83 Next Day | |
Ways to receive money in Nigeria with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 943.1714 NGN ₦1,886,342.83You pay$2,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit Card | Fees: $2.99 1 AUD = 941.5315 NGN -0.98% vs mid-market | Recipient gets ₦1,883,063.00 6-12 Hours | |
Ways to receive money in Nigeria with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 941.5315 NGN ₦1,883,063.00You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 912.0790 NGN ₦1,824,158.00You pay$2,003.99 Mobile money6-12 HoursAvailable via:SmartCash/Airtel Free1 AUD = 867.2000 NGN ₦1,734,400.00You pay$2,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via POLi | Fees: $2.99 1 AUD = 941.5315 NGN -0.98% vs mid-market | Recipient gets ₦1,883,063.00 6-12 Hours | |
Ways to receive money in Nigeria with MoneyGram when paying by poli. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 941.5315 NGN ₦1,883,063.00You pay$2,002.99 Cash pickup6-12 Hours $3.991 AUD = 912.0790 NGN ₦1,824,158.00You pay$2,003.99 Mobile money6-12 HoursAvailable via:SmartCash/Airtel Free1 AUD = 867.2000 NGN ₦1,734,400.00You pay$2,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit Card | Fees: $32.99 1 AUD = 941.5315 NGN -0.98% vs mid-market | Recipient gets ₦1,883,063.00 6-12 Hours | |
Ways to receive money in Nigeria with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $32.991 AUD = 941.5315 NGN ₦1,883,063.00You pay$2,032.99 Cash pickup6-12 Hours $32.991 AUD = 912.0790 NGN ₦1,824,158.00You pay$2,032.99 Mobile money6-12 HoursAvailable via:SmartCash/Airtel $32.991 AUD = 867.2000 NGN ₦1,734,400.00You pay$2,032.99 | |||
 Remitly Pay via Debit Card | Fees: $0.00 1 AUD = 940.0100 NGN -0.82% vs mid-market | Recipient gets ₦1,880,020.00 2 Days | |
Ways to receive money in Nigeria with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 940.0100 NGN ₦1,880,020.00You pay$2,000.00 | |||
| Remitly Pay via Credit Card | Fees: $20.00 1 AUD = 940.0100 NGN -0.82% vs mid-market | Recipient gets ₦1,880,020.00 2 Days | |
Ways to receive money in Nigeria with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank deposit2 Days $20.001 AUD = 940.0100 NGN ₦1,880,020.00You pay$2,020.00 | |||
| Remitly Pay via PayTo | Fees: $0.00 1 AUD = 940.0100 NGN -0.82% vs mid-market | Recipient gets ₦1,880,020.00 2 Days | |
Ways to receive money in Nigeria with Remitly when paying by payto. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 940.0100 NGN ₦1,880,020.00You pay$2,000.00 | |||
 Instarem Pay via PayID | Fees: $0.00 1 AUD = 927.1427 NGN +0.56% vs mid-market | Recipient gets ₦1,854,285.40 6-12 Hours | |
Ways to receive money in Nigeria with Instarem when paying by payid. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 927.1427 NGN ₦1,854,285.40You pay$2,000.00 | |||
| Instarem Pay via Bank Transfer | Fees: $0.00 1 AUD = 927.1427 NGN +0.56% vs mid-market | Recipient gets ₦1,854,285.40 6-12 Hours | |
Ways to receive money in Nigeria with Instarem when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 927.1427 NGN ₦1,854,285.40You pay$2,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank Transfer | Fees: $3.00 1 AUD = 927.1412 NGN +0.56% vs mid-market | Recipient gets ₦1,851,501.07 Within minutes | |
Ways to receive money in Nigeria with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $3.001 AUD = 927.1412 NGN ₦1,851,501.07You pay$2,000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| Instarem Pay via Credit Card | Fees: $12.00 1 AUD = 927.1427 NGN +0.56% vs mid-market | Recipient gets ₦1,843,159.69 6-12 Hours | |
Ways to receive money in Nigeria with Instarem when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $12.001 AUD = 927.1427 NGN ₦1,843,159.69You pay$2,000.00 | |||
| How Our Results Work Mid-market rate: 1 AUD = 932.3783 NGN Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Africhange at 1,930,000 NGN on $2,000.
Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.
You have 7 ways to pay, including debit card, bank transfer, credit card, payid, osko, poli, and payto.
PayID and Osko move money to the company in seconds at no cost, and PayID shows you the account name before you confirm.
Watch your bank's daily limit on anything large.
First time round you'll need a photo ID, usually a licence or a passport.
A passport and visa are enough if you’re new (you don’t need an Australian credit history).
How much AUD 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 | |||||
|---|---|---|---|---|---|
| $1,000 | -3.50% | $1.10 | ₦965,000.00with bank transfer to bank deposit | +₦19,899.77 | |
| $1,500 | -3.50% | $1.10 | ₦1,447,500.00with bank transfer to bank deposit | +₦26,074.18 | |
| $2,000This page | -3.44% | $1.10 | ₦1,930,000.00with bank transfer to bank deposit | +₦39,766.74 | |
| $3,000 | -3.10% | $16.87 | ₦2,866,838.64with bank transfer to bank deposit | +₦29,173.94 | |
| $7,500 | -3.49% | $1.10 | ₦7,237,500.00with bank transfer to bank deposit | +₦125,368.05 | |
| $12,000 | -3.05% | $64.32 | ₦11,468,195.22with bank transfer to bank deposit | +₦129,287.57 | |
| $15,000 | -3.06% | $80.13 | ₦14,333,459.43with bank transfer to bank deposit | +₦160,506.07 | |
| $100,000 | -2.42% | $0.00 | ₦95,500,000.00with debit card to bank deposit | +₦1,358,346.60 | |
| $250,000 | -2.44% | $0.00 | ₦238,750,000.00with debit card to bank deposit | +₦3,394,726.47 | |
| $500,000 | -2.44% | $0.00 | ₦477,500,000.00with debit card to bank deposit | +₦6,807,931.35 |
Mid-market rate: 1 AUD = 932.3783 NGN
10 money transfer companies let you send money from Australia to Nigeria.
Cheapest for most transfers
Sending money online with a “self-service” provider is usually the cheapest way to send money to Nigeria.
For example, sending $500 with Africhange will get you 1,930,000 NGN after a $1.1 fee and -3.44% markup.
To speed up the transfer, use PayID or bank transfer, this will ensure your money is withdrawn instantly from your AU bank account.
Plus, PayID shows the registered payee name, which gives you an extra check against the details you entered.
For regular transfers home
An app suits the transfer you make over and over to the same recipient, similar amount, every payday or so.
Africhange takes $1.1 in fees and -3.44% markup on a $1.1 transfer, and your NGN arrives in minutes.
Signing up is quick even if you're new to Australia.
A passport and visa are enough for most money transfer apps, and no local credit history is needed.
For large AUD transfers
Money transfer brokers are best for large transfers, like buying property, moving abroad, or paying student fees.
On transfers of $10,000 or more, a broker like Xe drops the fee entirely and works on margin instead.
With Xe you get -1.95% on AUD/NGN, and it gets lower the more you send.
You also get an account manager for the whole thing.
For overseas business payments
Global accounts like Airwallex are great for paying suppliers, contractors or staff in NGN, handling invoices, batch payments, and more.
For receiving and spending
Multi-currency accounts let you hold AUD and NGN in one account, and convert when the rate suits you.
Wise converts $2,000 at -3.06% markup, and the NGN sits in your account until you spend or transfer it.
Most useful if you travel often to Nigeria, split your life between two countries, or receive money from abroad.
We also created a guide going into more detail about multi currency accounts.
With Africhange, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending $2,000 gives your recipient 1,930,000 NGN.
You can fund the transfer with debit card, bank transfer, credit card, payid, osko, poli, and payto.
You can pay with payid
Use the PayID supplied by the company and confirm the recipient name shown by your Australian bank before approving the payment.
Recipients in the Nigeria can collect NGN through bank deposit, cash pickup, mobile money, and mobile wallet.
Your recipient can have NGN delivered to a mobile wallet, without a bank account.
Use our payout filters above to find the cheapest company offering mobile wallet withdrawals.
Receive NGN in a mobile wallet
Use the mobile number registered to the recipient's supported wallet. A wrong digit can send the money to a different account.
They can collect cash via Ria Money Transfer
For cash collection, the recipient should take a photo ID and the transfer reference to a participating location in the Nigeria.
You pay $2,001.10
₦1,930,000
Cheapest
You pay $2,000.00
₦1,917,620
-₦12,380
You pay $2,000.00
₦1,917,620
-₦12,380
You pay $2,000.00
₦1,917,620
-₦12,380
You pay $2,000.00
₦1,917,620
-₦12,380
You pay $2,000.00
₦1,917,620
-₦12,380
You pay $2,000.00
₦1,917,620
-₦12,380
You pay $2,000.00
₦1,911,608
-₦18,392
You pay $2,000.00
₦1,910,000
-₦20,000
You pay $2,002.99
₦1,883,063
-₦46,937
You pay $2,000.00
₦1,880,020
-₦49,980
You pay $2,000.00
₦1,860,189
-₦69,811
You pay $2,000.00
₦1,860,189
-₦69,811
You pay $2,000.00
₦1,860,189
-₦69,811
You pay $2,003.99
₦1,824,158
-₦105,842
You pay $2,032.99
₦1,734,400
-₦195,600
You pay $2,000.00
₦1,734,400
-₦195,600
Every international transfer is reportable by the company handling it, but that is not a tax or a form you normally file yourself. PayID can fund the transfer, while the overseas leg still needs a transfer provider.
For an $2,000 transfer to Nigeria, these are the best options right now:
Cheapest
Africhange is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 1,930,000 NGN, which is 0.64% more than the next best option.
Fastest
Revolut delivers 1,851,501.07 NGN in within minutes when you use bank transfer and choose bank deposit as payout.
If you need money urgently, we've put together a guide on instant money transfers.
PayID and Osko move Australian dollars between local accounts.
When a money transfer company accepts PayID, it collects the AUD in Australia and then handles the conversion and payout in Nigeria.
Confirm the registered business name shown by your bank before approving the PayID payment.
The bank or remittance company reports international transfer instructions to AUSTRAC.
This applies to international transfers generally, rather than only those above A$10,000.
You do not normally submit the international transfer report yourself.
A separate threshold report applies when a transaction involves A$10,000 or more in physical cash.
Large or unusual transfers can still trigger source-of-funds checks. Keep the sale agreement, invoice or bank statement that explains the payment ready.
Australia does not generally tax a genuine cash gift simply because you send it to family in Nigeria.
Gifting money can still affect income-tested or asset-tested Centrelink payments.
Services Australia can continue assessing gifts above its gifting free areas under the income and assets tests.
If you or your partner receive a relevant payment, check the gifting rules before sending a large amount.
The Financial Claims Scheme protects eligible Australian-dollar deposits with an Australian-incorporated ADI, up to A$250,000 per account holder per ADI.
It does not automatically cover money held by a non-bank transfer company.
In case of issues, if a complaint is not resolved, the Australian Financial Complaints Authority is the free external dispute service for member financial firms.
Small changes in the AUD/NGN rate can make a noticeable difference to the amount received, especially on a larger transfer.
Mid-market rate:1 AUD = 929.79992 NGN
We track 10 companies sending AUD to Nigeria, all holding an Australian licence, with rates refreshed in real time when running a live search.
Fees, exchange rates and the pay-in and payout options all get compared, and each company goes through our review before it appears.
More on who we are, why you can trust us and getting started.
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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