How to send money to DRC from Nigeria with the best NGN-CDF rate

A comparison of providers offering services between Nigeria and Congo DRC, based on your specific transfer amount is the best way to send money with the confidence you’re getting the best price.

Right now, converting NGN to CDF is:

• Western Union Agent is our recommended company for sending money to Congo [DRC] from NGN. Sending 360,000 NGN to CDF will cost you ₦10800 in fees, and you will receive 537,549.77 CDF. The delivery time usually is minutes - 5 days, but can be longer depending when you make the transfer.

• MoneyGram Agent offers the lowest cost transfers between Nigeria and Congo [DRC] out of the 3 providers compared.

• Fastest money transfers option to Congo DRC from Nigeria is via PayPal App (P2P Transfer). For example, if you send 360,000 NGN with PayPal App (P2P Transfer) to Congo DRC, the transfer time is minutes.

We’ve compared 3 providers that provide services for sending Naira to Congo [DRC]. This ensures you will get the best options for your transfer to Congo DRC from Nigeria.

An exchange rate determines the price you will pay when buying Congolese Franc. A better exchange rate means more money sent from Nigeria to Congo DRC.

The current rate between the Naira and Congolese Franc is 1.6526, and it changes almost constantly.

Ensuring a strong combination of fees and exchange rates ensures the best deal on money transfers from Nigeria to Congo DRC.

• The Mid-Market and Exchange Rates: Finding a provider as close to mid-market rate as possible will ensure more Congolese Franc for your Naira. The current NGN-CDF mid-market rate is 1.6526 CDF per Naira.

• Fees: Money transfer fees are charged on top the exchange rate and can be set, or a percentage of the total amount of Naira you’re sending to Congo DRC. MoneyGram Agent currently is the cheapest option for transfers into CDF costing 14400 NGN per transfer. We always recommend searching for your exact send amount for an exact fee.

• Amount Received: The amount received in Congolese Franc is the biggest indicator of the total cost of sending money to Congo DRC from Nigeria. The bigger the amount received in Congo DRC, the lower the overall cost of sending from Nigeria.

Understanding the averages, and then waiting a day or two can help you get more CDF for the same amount of Naira.

A better option is to use a forward contract that also allows you to lock in an agreed exchange rate between Nigeria and Congo DRC.

A bank transfer is the payment method that will get you the best price on a transfer from Nigeria to Congo DRC.

Here are all the ways to send money from Nigeria to Congo DRC:

Bank transfers

Bank transfers are often fastest, cheapest and best way to send money from Nigeria to Congo DRC.

Using a money transfer company such as MoneyGram Agent for transfers from Nigeria to Congo DRC, will mean being able to send money via a bank transfer while benefiting from lower fees and more favorable exchange rates. 


Debit and prepaid cards

Sending money from Nigeria to Congo DRC with a debit card or a prepaid card is very simple with Western Union Agent.


Western Union Agent is the cheapest option for sending money with a debit card between Nigeria and Congo DRC. This is of the 3 money transfer companies offering debit card payments on this route.

Credit cards

When it comes to credit card transfers from Nigeria to Congo DRC, we recommend comparing your options to get the best deal.

and have different regulations and ensuring you fully understand these regulations will aid in keeping your money safe.

Our directory of worldwide financial regulators contains details on regulation for money transfers between Nigeria and Congo DRC

Some companies offering money transfers between Nigeria and Congo DRC have minimum or maximum thresholds on how much you can send or receive.

Rates and fees for different transfer amounts could change - that’s why it’s best to compare NGN-CDF rates for your specific transfer amount. For regular transfers to Congo DRC, shopping around each time can make a huge difference.

For sending large amounts of NGN to Congo DRC, we’d recommend Western Union Agent. They offer a solid combination of rates and fees when sending from Nigeria to Congo DRC that is the most competitive, even at larger amounts.

There are different options for receiving Congolese Franc in Congo DRC. The most popular are direct bank deposit, cash pickup, a mobile wallet or receiving money into a multi-currency account. Not all providers offering transfers from Nigeria to Congo DRC will offer every method for incoming Congolese Franc, so it’s best to check ahead of time.

Sending directly to a bank account is one of the most common ways to send money from Nigeria to Congo DRC. For most part, this is because it means the recipient has to do very little.

Western Union Agent is the best company for bank transfers between Nigeria and Congo DRC.

Mobile wallet or P2P services and payment apps like PayPal, Xoom, and CashApp are popular because of convenience, but they come with more limitations and higher costs compared to money transfer providers like MoneyGram Agent.

When sending Naira to Congo DRC, through a money transfer company, you will need to verify your ID at the sign up stage.

The documents you need will vary and in some cases you might need a couple of options.

For the most part, ID can be verified in Nigeria through a government issued ID such as a passport or driver's license. If the recipient needs an ID to collect money in Congo DRC it will be similar.

Large transactions between Nigeria and Congo DRC, can be subject to additional checks such as proof of funds for anti-money laundering purposes.

One of the reasons Western Union Agent has scored so highly for transfers to Congo DRC is their easy sign up process in Nigeria.

As well as proof of funds, when sending large amounts of money between Nigeria and Congo DRC.

Some transfers into Congolese Franc may need to be reported to tax authorities in Congo DRC as well, particularly where inheritance or property purchases are involved.

Tax limits and personal allowances will change in Congo DRC based on age, income and a few other elements. When in doubt, please contact a tax professional in Nigeria or Congo DRC to discuss your personal circumstances to ensure you are not missing any specific tax declarations.