Usually the cheapest
Online transfers
Companies like Xe will get you 11,075,910.3 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.
How to send money to Nigeria from Finland with the best EUR-NGN rate
We’ve compared and analysed 6 money transfer companies in Finland.
| 6 of 6 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze EUR/NGN exchange rates from our comparisons. | |||
| Based on 7,000 EUR transfer Best companies for EUR/NGN transfersAll money transfer offers for EUR/NGN transfers, sorted by most NGN received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee €46.96 1 EUR = 1591.5100 NGN -3.38% vs mid-market | Recipient gets ₦11,065,832.69 Within minutes | |
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 = 1591.5100 NGN ₦11,065,832.69You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 1582.2729 NGN -2.80% vs mid-market | Recipient gets ₦11,075,910.30 Minutes - 24 hours | |
Ways to receive money in Nigeria with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1582.2729 NGN ₦11,075,910.30You 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. | |||
 TapTap Send Pay via Debit card | Fee €0.00 1 EUR = 1600.0000 NGN -3.91% vs mid-market | Recipient gets ₦11,200,000.00 Minutes | |
Ways to receive money in Nigeria with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 EUR = 1600.0000 NGN ₦11,200,000.00You pay€7,000.00 Mobile moneyMinutesAvailable via:FairMoney, Kuda Bank, OPay, PalmPay Free1 EUR = 1600.0000 NGN ₦11,200,000.00You pay€7,000.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee €0.00 1 EUR = 1586.9937 NGN -3.10% vs mid-market | Recipient gets ₦11,108,955.62 Minutes - 2 days | |
Ways to receive money in Nigeria with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 EUR = 1586.9937 NGN ₦11,108,955.62You pay€7,000.00 | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 1582.2729 NGN -2.80% vs mid-market | Recipient gets ₦11,075,910.30 Minutes - 24 hours | |
Ways to receive money in Nigeria with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1582.2729 NGN ₦11,075,910.30You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 1582.2729 NGN -2.80% vs mid-market | Recipient gets ₦11,075,910.30 Minutes - 24 hours | |
Ways to receive money in Nigeria with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1582.2729 NGN ₦11,075,910.30You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 1582.2729 NGN -2.80% vs mid-market | Recipient gets ₦11,075,910.30 Minutes - 24 hours | |
Ways to receive money in Nigeria with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1582.2729 NGN ₦11,075,910.30You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €46.96 1 EUR = 1591.5100 NGN -3.38% vs mid-market | Recipient gets ₦11,065,832.69 Within minutes | |
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 = 1591.5100 NGN ₦11,065,832.69You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €57.07 1 EUR = 1591.5100 NGN -3.38% vs mid-market | Recipient gets ₦11,049,742.52 Within minutes | |
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 = 1591.5100 NGN ₦11,049,742.52You pay€7,000.00 | |||
| Wise Pay via Debit card | Fee €101.79 1 EUR = 1591.5100 NGN -3.38% vs mid-market | Recipient gets ₦10,978,570.20 Within minutes | |
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 = 1591.5100 NGN ₦10,978,570.20You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €143.68 1 EUR = 1591.5100 NGN -3.38% vs mid-market | Recipient gets ₦10,911,901.84 Within minutes | |
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 = 1591.5100 NGN ₦10,911,901.84You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 1534.4437 NGN +0.27% vs mid-market | Recipient gets ₦10,741,105.94 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 EUR = 1534.4437 NGN ₦10,741,105.94You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €70.50 1 EUR = 1529.1785 NGN +0.61% vs mid-market | Recipient gets ₦10,596,442.34 Within minutes | |
Ways to receive money in Nigeria with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €70.501 EUR = 1529.1785 NGN ₦10,596,442.34You 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 = 1538.597920 NGN Updates every 60 minutes. | |||
Transfer details
Transfer details
How to send money from Finland to Nigeria
Pick a company
For a one-off transfer to Nigeria, start with TapTap Send.
On a 7,000 EUR transfer, TapTap Send 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.
For regular transfers
Money transfer apps
For the regular smaller transfer, apps are convenient and cheap.
TapTap Send charges €0 on a €7,000 transfer, and 11,200,000 NGN arrives in minutes.
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 11,065,832.69 NGN (€46.96 in fees and -3.38% 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 -2.8% markup on top of the EUR/NGN rate.
Ways to fund EUR and receive NGN in Nigeria
With TapTap Send, paying by debit card and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 11,200,000 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
₦11,200,000
Cheapest
- 2 Debit card Mobile money
You pay €7,000.00
₦11,200,000
₦0
- 3 Bank transfer Bank deposit
You pay €7,000.00
₦11,075,910
-₦124,090
- 4 Credit card Bank deposit
You pay €7,000.00
₦11,075,910
-₦124,090
- 5 Ideal Bank deposit
You pay €7,000.00
₦11,049,743
-₦150,257
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
Compare EUR/NGN transfer options
For a €7,000 transfer to Nigeria, these are the current cheapest, fastest and easiest options.
Cheapest
TapTap Send is cheapest when funded by debit card with bank deposit for the payout. Your recipient gets 11,200,000 NGN, which is 0.81% more than the next best option.
Fastest
Revolut delivers 10,596,442.34 NGN in within minutes when you pay by bank transfer and choose bank deposit.
Sending a gift from Finland can trigger gift tax
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
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
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.
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 = 1,536.579017 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.
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