Best companies for EUR/NGN transfers
6 of 6 providers Last updated on 28 September 2026
Based on 7,000 EUR transfer Best companies for EUR/NGN transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee €46.96 1 EUR = 1558.0700 NGN -3.06% vs mid-market	Recipient gets ₦10,833,323.03 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Nigeria with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €46.961 EUR = 1558.0700 NGN ₦10,833,323.03You pay€7,000.00
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 1570.6008 NGN -3.86% vs mid-market	Recipient gets ₦10,994,205.60 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Nigeria with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1570.6008 NGN ₦10,994,205.60You pay€7,000.00
Run a live search Showing top Finland to Nigeria deals for 7,000 EUR. 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 EUR 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 EUR you're planning to spend in Nigeria.
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal.
Xe Pay via Debit card	Fee €0.00 1 EUR = 1570.6008 NGN -3.86% vs mid-market	Recipient gets ₦10,994,205.60 Minutes - 24 hours
4 reviews Cheapest Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Nigeria with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1570.6008 NGN ₦10,994,205.60You pay€7,000.00

Xe Pay via Bank transfer	Fee €0.00 1 EUR = 1570.6008 NGN -3.86% vs mid-market	Recipient gets ₦10,994,205.60 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Nigeria with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1570.6008 NGN ₦10,994,205.60You pay€7,000.00
Xe Pay via Credit card	Fee €0.00 1 EUR = 1570.6008 NGN -3.86% vs mid-market	Recipient gets ₦10,994,205.60 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Nigeria with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1570.6008 NGN ₦10,994,205.60You pay€7,000.00
TapTap Send Pay via Debit card	Fee €0.00 1 EUR = 1550.0000 NGN -2.54% vs mid-market	Recipient gets ₦10,850,000.00 Minutes
0 reviews Receive to bank account
Ways to receive money in Nigeria with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 EUR = 1550.0000 NGN ₦10,850,000.00You pay€7,000.00 Mobile moneyMinutesAvailable via:FairMoney, Kuda Bank, OPay, PalmPay Free1 EUR = 1550.0000 NGN ₦10,850,000.00You pay€7,000.00
Wise Pay via Bank transfer	Fee €46.96 1 EUR = 1558.0700 NGN -3.06% vs mid-market	Recipient gets ₦10,833,323.03 Within minutes
25 reviews Recommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Nigeria with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €46.961 EUR = 1558.0700 NGN ₦10,833,323.03You pay€7,000.00
Wise Pay via iDEAL/WERO	Fee €57.07 1 EUR = 1558.0700 NGN -3.06% vs mid-market	Recipient gets ₦10,817,570.95 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Nigeria with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €57.071 EUR = 1558.0700 NGN ₦10,817,570.95You pay€7,000.00
Only available via Mobile App WorldRemit Pay via Debit card	Fee €0.00 1 EUR = 1545.1443 NGN -2.22% vs mid-market	Recipient gets ₦10,816,009.89 Minutes - 2 days
13 reviews Receive to bank account or cash pickup
Ways to receive money in Nigeria with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 EUR = 1545.1443 NGN ₦10,816,009.89You pay€7,000.00
Wise Pay via Debit card	Fee €101.79 1 EUR = 1558.0700 NGN -3.06% vs mid-market	Recipient gets ₦10,747,894.05 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Nigeria with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €101.791 EUR = 1558.0700 NGN ₦10,747,894.05You pay€7,000.00
Wise Pay via Credit card	Fee €143.68 1 EUR = 1558.0700 NGN -3.06% vs mid-market	Recipient gets ₦10,682,626.50 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Nigeria with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €143.681 EUR = 1558.0700 NGN ₦10,682,626.50You pay€7,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee €0.00 1 EUR = 1507.0837 NGN +0.27% vs mid-market	Recipient gets ₦10,549,585.66 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Nigeria with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1507.0837 NGN ₦10,549,585.66You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee €70.50 1 EUR = 1501.9939 NGN +0.61% vs mid-market	Recipient gets ₦10,408,066.39 Within minutes
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in Nigeria with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €70.501 EUR = 1501.9939 NGN ₦10,408,066.39You pay€7,000.00
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.
How Our Results Work Mid-market rate: 1 EUR = 1511.1638 NGN Updates every 60 minutes.

Why compare

EUR/NGN exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Finland to Nigeria

Pick a company

For a one-off transfer to Nigeria, start with Xe.

On a 7,000 EUR transfer, Xe delivers the most NGN.

The cheapest option depends on the amount, so I suggest to get the best EUR/NGN rate.

Fund your transfer

You have 4 ways to pay, including debit card, bank transfer, credit card, and ideal.

Select how you want the recipient to pick up the money. For transfers to Nigeria they can receive it via bank deposit and mobile money.

Verify and send

If it's your first time using the service, you will need to verify your account.

This usually takes a a few minutes to a few hours.

If your transfer is urgent, make sure to get it done beforehand to avoid any delays.

Ways to send money from Finland to Nigeria

6 companies send money from Finland to Nigeria, mostly through app, online, broker, multi-currency account, and global account, and a few more ways.

Usually the cheapest

Online transfers

Companies like Xe will get you 10,994,205.6 NGN on €7,000 transfer.

If it's the only time you send money to Nigeria, then it's the best option.

For recurring transfers, an app is a bit more convenient.

For regular transfers

Money transfer apps

For the regular smaller transfer, apps are convenient and cheap.

Xe charges €0 on a €7,000 transfer, and 10,994,205.6 NGN arrives in minutes - 24 hours.

In Nigeria they can receive money via bank deposit and mobile money.

Moving money between your own accounts

Multi-currency accounts

Companies like Wise let you hold EUR and NGN balances in one account.

You can convert between them any time, and it's cheap.

For example, converting 7,000 EUR to NGN with Wise gets you 10,833,323.03 NGN (€46.96 in fees and -3.06% markup).

This is especially useful travel since you are spending in NGN (no extra fees from Wise, only local ATMs).

For freelancers and SMEs

Global accounts

Global accounts are for companies and freelancers making payments to Nigeria.

Companies like Wise Business, Airwallex, Holvi or Payoneer offer business features like batch payments, invoicing, admin tools, and more.

For sending large sums

Currency brokers

Currency brokers are good for sending €10,000+ to Nigeria. They charge no fees and add a markup on the rate.

Xe charges no fee but adds -3.86% markup on top of the EUR/NGN rate.

Ways to fund EUR and receive NGN in Nigeria

With Xe, paying by debit card and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 10,994,205.6 NGN.

To pay for your transfer in Finland, you have debit card, bank transfer, credit card, and ideal.

MobilePay and Siirto are useful for payments within Finland, but they do not send money to Nigeria directly.

For withdrawals in Nigeria, use bank deposit and mobile money.

Receive NGN

The name should match the account holder's bank record, so double check it before sending.

1

Debit card Bank deposit

You pay €7,000.00

₦10,994,206

Cheapest
2

Bank transfer Bank deposit

You pay €7,000.00

₦10,994,206

₦0
3

Credit card Bank deposit

You pay €7,000.00

₦10,994,206

₦0
4

Debit card Mobile money

You pay €7,000.00

₦10,850,000

-₦144,206
5

Ideal Bank deposit

You pay €7,000.00

₦10,817,571

-₦176,635

What to consider before sending money from Finland to Nigeria

For a transfer from Finland, compare the NGN received and check whether the payment is a taxable gift rather than ordinary family support.

Compare EUR/NGN transfer options

For a €7,000 transfer to Nigeria, these are the current cheapest, fastest and easiest options.

Cheapest

Xe is cheapest when funded by debit card with bank deposit for the payout. Your recipient gets 10,994,205.6 NGN, which is 1.31% more than the next best option.

Fastest

Revolut delivers 10,408,066.39 NGN in within minutes when you pay by bank transfer and choose bank deposit.

Sending a gift from Finland can trigger gift tax

If you live in Finland and send someone abroad a cash gift, Finnish gift tax can still apply.

The recipient must file and pay the tax when gifts from you reach €7,500 or more within three years.

Education and maintenance costs may be exempt if you pay the university, landlord or other company directly.

Cash sent to the recipient is treated as a normal gift because they can spend it on anything.

Large transfers may take longer

Finnish banks and transfer companies can ask for the source and purpose of an unusual payment.

Keep the invoice, sale document or account statement ready.

SEPA Instant may fund the company's euro account quickly, but the company still needs to complete the payout in Nigeria.

Safety measures in Finland

An EEA company may be authorised in another country and operate in Finland through passporting.

If a company does not resolve a complaint, FINE provides guidance and dispute support for financial customers in Finland.

Never move money to a so-called safe account or approve an unexpected bank-identification request.

When in doubt, check the company in the FIN-FSA supervised-entities register.

Live EUR-NGN Exchange Rate

Finding the best rate to send money from Finland to Nigeria

The exchange rate has a direct impact on how much NGN your recipient gets for your EUR. Checking the weekly range makes transfer quotes easier to compare.

Mid-market rate:1 EUR = 1,505.735313 NGN

How we analyse the market

Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.

We track 6 of them on EUR to Nigeria, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.

Nothing appears without passing our review.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Send money from Finland

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How to send money to Nigeria from Finland with the best EUR-NGN rate

Best companies for EUR/NGN transfers