Africhange is the overall cheapest way to send money from Nigeria out of the 8 options available. It will get you 257.14 USD from a 360,000 NGN transfer.
In the United States, you can withdraw money using bank deposit.
Use our filters below to find the best transfer option for your needs.
| 8 of 8 providers Last updated on 10 November 2026 | |||
| Based on 360,000 NGN transfer Best companies for NGN/USD transfers | |||
Run a live search Showing top Nigeria to United States deals for 360,000 NGN. 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 NGN to USD rates. | |||
Run a live search These companies offer multi-currency accounts for spending USD. We suggest doing a live search based on how much NGN you're planning to spend in United States. | |||
Run a live search These are managed services with real human support for large NGN transfers. Click the link and update the transfer amount to get the best deal. | |||
 Africhange Pay via Bank transfer | Fee ₦0.00 1 NGN = 0.0007 USD +3.90% vs mid-market | Recipient gets $257.14 Minutes | |
Ways to receive money in US with Africhange when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes Free1 NGN = 0.0007 USD $257.14You pay₦360,000.00 | |||
 Lemfi Pay via Bank transfer | Fee ₦0.00 1 NGN = 0.0007 USD +8.29% vs mid-market | Recipient gets $246.07 3-6 Hours | |
Ways to receive money in US with Lemfi when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit3-6 Hours Free1 NGN = 0.0007 USD $246.07You pay₦360,000.00 | |||
 Grey Pay via Bank transfer | Fee ₦0.50 1 NGN = 0.0007 USD +8.00% vs mid-market | Recipient gets $245.97 Minutes | |
Ways to receive money in US with Grey when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes ₦0.501 NGN = 0.0007 USD $245.97You pay₦360,000.00 | |||
 Afriex Pay via Bank transfer | Fee ₦0.00 1 NGN = 0.0007 USD +9.00% vs mid-market | Recipient gets $243.30 Minutes - 24 hours | |
Ways to receive money in US with Afriex when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 NGN = 0.0007 USD $243.30You pay₦360,000.00 | |||
 Pesa Pay via Bank transfer | Fee ₦1,800.00 1 NGN = 0.0007 USD +9.00% vs mid-market | Recipient gets $242.08 Minutes - 24 hours | |
Ways to receive money in US with Pesa when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours ₦1,800.001 NGN = 0.0007 USD $242.08You pay₦360,000.00 | |||
| Send Money Between PayPal Accounts  PayPal App (P2P Transfer) Pay via Bank transfer | Fee ₦14,400.00 1 NGN = 0.0007 USD +6.00% vs mid-market | Recipient gets $241.26 Minutes | |
Ways to receive money in US with PayPal App (P2P Transfer) when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes ₦14,400.001 NGN = 0.0007 USD $241.26You pay₦360,000.00 | |||
| Send cash via a MoneyGram agent  MoneyGram Agent Pay via Bank transfer | Fee ₦14,400.00 1 NGN = 0.0007 USD +6.00% vs mid-market | Recipient gets $241.26 Minutes - 3 days | |
Ways to receive money in US with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days ₦14,400.001 NGN = 0.0007 USD $241.26You pay₦360,000.00 | |||
| Send cash via a Western Union agent  Western Union Agent Pay via Bank transfer | Fee ₦10,800.00 1 NGN = 0.0007 USD +7.00% vs mid-market | Recipient gets $241.18 Minutes - 5 days | |
Ways to receive money in US with Western Union Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days ₦10,800.001 NGN = 0.0007 USD $241.18You pay₦360,000.00 | |||
| How Our Results Work Mid-market rate: 1 NGN = 0.0007 USD Updates every 60 minutes. | |||
Transfer details
Start with the best service, which is Africhange at 257.14 USD for a ₦360,000 transfer.
Africhange was the cheapest on 25 of the 25 days it quoted ₦360,000 transfers to the US.
Most of the transfer apps you see advertised only bring money into Nigeria, but companies above can send it out.
You have 1 ways to pay, including bank transfer.
A transfer from your banking app is instant and free, and it's how nearly everyone pays.
First time round you'll need your BVN and a photo ID.
Get it done before the day you need to send, since it's the usual reason a first transfer stalls.
Check the rate you're shown against the day's rate before you confirm.
How much NGN you send to the US 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.
Our analysis shows Africhange was the cheapest in 100% of all the transfers it quoted over the past month.
| Cheapest service | |||||
|---|---|---|---|---|---|
| ₦100,000 | 3.90% | ₦0.00 | $71.43with bank transfer to bank deposit | +$4.42 | |
| ₦250,000 | 3.90% | ₦0.00 | $178.57with bank transfer to bank deposit | +$8.58 | |
| ₦300,000 | 3.90% | ₦0.00 | $214.29with bank transfer to bank deposit | +$10.30 | |
| ₦360,000This page | 3.90% | ₦0.00 | $257.14with bank transfer to bank deposit | +$12.36 | |
| ₦1,000,000 | 3.90% | ₦0.00 | $714.29with bank transfer to bank deposit | $0.00 | |
| ₦5,000,000 | 3.90% | ₦0.00 | $3,571.43with bank transfer to bank deposit | $0.00 | |
| ₦10,000,000 | 3.90% | ₦0.00 | $7,142.86with bank transfer to bank deposit | $0.00 | |
| ₦25,000,000 | 3.90% | ₦0.00 | $17,857.14with bank transfer to bank deposit | $0.00 |
Mid-market rate: 1 NGN = 0.0007 USD
The cheapest way to send NGN to USD can change every day, or stay with the same company all month.
We've compared the mid-market rate with the cheapest option each day (today it's Africhange), across 30 days of comparisons for 360,000 NGN transfers to the US.
Tue, 10 Nov 2026Mid-market rate$267.36 Africhange $257.14Africhange$257.14Lemfi$246.07Grey$245.97
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0008 | – | $270.47 | |
| | 0.0007 | ₦0.50 | $248.84 | −$21.63 |
| | 0.0007 | ₦0.00 | $244.57 | −$25.91 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0008 | – | $270.79 | |
| | 0.0007 | ₦0.00 | $261.82 | −$8.97 |
| | 0.0007 | ₦0.50 | $249.13 | −$21.66 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0008 | – | $270.84 | |
| | 0.0007 | ₦0.00 | $261.82 | −$9.02 |
| | 0.0007 | ₦0.50 | $249.17 | −$21.67 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0008 | – | $270.65 | |
| | 0.0007 | ₦0.00 | $259.93 | −$10.72 |
| | 0.0007 | ₦0.50 | $249.00 | −$21.65 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0008 | – | $270.46 | |
| | 0.0007 | ₦0.00 | $259.93 | −$10.53 |
| | 0.0007 | ₦0.50 | $248.82 | −$21.64 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0008 | – | $270.43 | |
| | 0.0007 | ₦0.00 | $259.93 | −$10.50 |
| | 0.0007 | ₦0.50 | $248.80 | −$21.63 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0008 | – | $270.43 | |
| | 0.0007 | ₦0.00 | $259.93 | −$10.50 |
| | 0.0007 | ₦0.50 | $248.80 | −$21.63 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0007 | – | $269.96 | |
| | 0.0007 | ₦0.00 | $259.93 | −$10.03 |
| | 0.0007 | ₦0.50 | $248.36 | −$21.60 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0008 | – | $271.39 | |
| | 0.0007 | ₦0.00 | $259.93 | −$11.46 |
| | 0.0007 | ₦0.50 | $249.68 | −$21.71 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0008 | – | $270.48 | |
| | 0.0007 | ₦0.00 | $259.93 | −$10.55 |
| | 0.0007 | ₦0.50 | $248.84 | −$21.64 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 0.0007 | ₦0.00 | $259.93 | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0008 | – | $270.48 | |
| | 0.0007 | ₦0.00 | $259.93 | −$10.55 |
| | 0.0007 | ₦0.50 | $248.84 | −$21.64 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0008 | – | $270.26 | |
| | 0.0007 | ₦0.50 | $248.64 | −$21.62 |
| | 0.0007 | ₦0.00 | $246.24 | −$24.02 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0008 | – | $270.26 | |
| | 0.0007 | ₦0.50 | $248.64 | −$21.62 |
| | 0.0007 | ₦0.00 | $246.24 | −$24.02 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0007 | – | $267.36 | |
| | 0.0007 | ₦0.00 | $257.14 | −$10.22 |
| | 0.0007 | ₦0.00 | $246.24 | −$21.13 |
| | 0.0007 | ₦0.50 | $245.97 | −$21.39 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0007 | – | $268.67 | |
| | 0.0007 | ₦0.50 | $247.18 | −$21.49 |
| | 0.0007 | ₦0.00 | $246.24 | −$22.43 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0007 | – | $268.52 | |
| | 0.0007 | ₦0.50 | $247.04 | −$21.48 |
| | 0.0007 | ₦0.00 | $246.24 | −$22.29 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0007 | – | $267.45 | |
| | 0.0007 | ₦0.00 | $257.14 | −$10.31 |
| | 0.0007 | ₦0.00 | $246.24 | −$21.21 |
| | 0.0007 | ₦0.50 | $246.05 | −$21.40 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0007 | – | $267.29 | |
| | 0.0007 | ₦0.00 | $257.14 | −$10.15 |
| | 0.0007 | ₦0.00 | $246.24 | −$21.05 |
| | 0.0007 | ₦0.50 | $245.90 | −$21.39 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0007 | – | $267.37 | |
| | 0.0007 | ₦0.00 | $257.14 | −$10.23 |
| | 0.0007 | ₦0.00 | $246.24 | −$21.13 |
| | 0.0007 | ₦0.50 | $245.98 | −$21.39 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0007 | – | $267.37 | |
| | 0.0007 | ₦0.00 | $257.14 | −$10.23 |
| | 0.0007 | ₦0.00 | $246.24 | −$21.13 |
| | 0.0007 | ₦0.50 | $245.98 | −$21.39 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0007 | – | $267.75 | |
| | 0.0007 | ₦0.00 | $257.14 | −$10.61 |
| | 0.0007 | ₦0.50 | $246.33 | −$21.42 |
| | 0.0007 | ₦0.00 | $246.24 | −$21.52 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0007 | – | $268.47 | |
| | 0.0007 | ₦0.00 | $257.14 | −$11.33 |
| | 0.0007 | ₦0.50 | $246.99 | −$21.48 |
| | 0.0007 | ₦0.00 | $246.24 | −$22.23 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0007 | – | $267.98 | |
| | 0.0007 | ₦0.00 | $257.14 | −$10.84 |
| | 0.0007 | ₦0.50 | $246.54 | −$21.44 |
| | 0.0007 | ₦0.00 | $246.24 | −$21.74 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0007 | – | $267.38 | |
| | 0.0007 | ₦0.00 | $257.14 | −$10.24 |
| | 0.0007 | ₦0.00 | $246.24 | −$21.14 |
| | 0.0007 | ₦0.50 | $245.99 | −$21.39 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0007 | – | $267.78 | |
| | 0.0007 | ₦0.00 | $257.14 | −$10.64 |
| | 0.0007 | ₦0.50 | $246.36 | −$21.42 |
| | 0.0007 | ₦0.00 | $246.24 | −$21.54 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0007 | – | $267.22 | |
| | 0.0007 | ₦0.00 | $257.14 | −$10.08 |
| | 0.0007 | ₦0.00 | $246.07 | −$21.15 |
| | 0.0007 | ₦0.50 | $245.84 | −$21.38 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0007 | – | $267.22 | |
| | 0.0007 | ₦0.00 | $257.14 | −$10.08 |
| | 0.0007 | ₦0.00 | $246.07 | −$21.15 |
| | 0.0007 | ₦0.50 | $245.84 | −$21.38 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0007 | – | $266.76 | |
| | 0.0007 | ₦0.00 | $257.14 | −$9.62 |
| | 0.0007 | ₦0.00 | $246.07 | −$20.69 |
| | 0.0007 | ₦0.50 | $245.42 | −$21.34 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 0.0007 | – | $267.36 | |
| | 0.0007 | ₦0.00 | $257.14 | −$10.22 |
| | 0.0007 | ₦0.00 | $246.07 | −$21.29 |
| | 0.0007 | ₦0.50 | $245.97 | −$21.39 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 0.0007 | – | $267.36 | |
|---|---|---|---|---|
| | ||||
| | ||||
| |
Each line shows what the recipient gets when you send ₦360,000, after fees, as quoted by each company. The mid-market line shows what ₦360,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.
The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.
When the blue line goes above the dashed one, you're getting more USD per NGN than the mid-market rate can offer.
This could be due to money transfer offers, FX rate adjustments, or market competitiveness.
No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of USD on every transfer from Nigeria.
Right now, Africhange pays 257.14 USD on 360,000 NGN, which is 10.22 USD less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 261.82 USD.
If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to the US.
We've tracked 236 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.
Cheapest every time
Cheapest in 4% of them
Never the cheapest
Based on 56 comparisons across 8 amounts over the last 7 days.
Cheapest every time
Cheapest in 1% of them
Cheapest in 17% of them
Based on 236 comparisons across 8 amounts over the last 30 days.
Cheapest every time
Cheapest in 1% of them
Cheapest in 24% of them
Based on 391 comparisons across 8 amounts over the last 90 days.
Different companies can come out cheapest depending on the day and the amount you send.
To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).
Today Africhange is the cheapest and gets you the most USD, and it was also the cheapest in 100% of the 194 comparisons it appeared in over the past month.
It's a good pick for both one-off and regular transfers to the US.
There are 8 money transfer services sending NGN to the US.
Cheapest way to send NGN
You can send NGN to the United States online or through the app.
The cheapest way is Africhange, it will get you 257.14 USD for ₦360,000.
In our comparisons over the past month, it was the cheapest online service on 25 of the 25 days it quoted.
To get the most out of your transfer, deposit with a bank transfer and receive with a bank deposit.
With Africhange, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending ₦360,000 gives your recipient 257.14 USD.
For paying in NGN, you can use bank transfer.
I suggest funding the NGN side by bank transfer
Use bank transfer to add NGN from your Nigerian account.
NIP moves the money to the specialist within Nigeria, then the specialist handles the cross-border transfer to the United States over internal network.
They can receive USD using bank deposit.
To receive money as bank deposit (straight to their bank account), enter their bank and account details in the US.
You pay ₦360,000.00
$257
Cheapest
Sending money out of Nigeria is an access-to-FX problem first. The cheapest quote only matters if the company can legally accept NGN from a Nigerian resident.
There are 8 companies available for a ₦360,000 transfer to the United States, so the shortlist is smaller than it is for money coming into Nigeria.
Cheapest way to send money to the United States
The cheapest option is Africhange, funded by bank transfer with bank deposit for the payout. Your recipient gets 257.14 USD, which is 4.31% more than the next best option.
Fastest way to send money to the United States
The fastest option is Africhange. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 257.14 USD in minutes.
NIP can move NGN from your bank to the transfer company within Nigeria, but it does not send the money to the United States.
The company still needs an approved cross-border route for the conversion and payout.
For a bank wire, money already held in a domiciliary account is generally easier to document than foreign currency bought informally and deposited as cash.
Use the CBN's licensed institution records and confirm that the service is authorised for money transfers.
Do not send naira to a personal account or an unknown USDT seller because the quoted rate is better.
If the transfer fails, there may be no real way to recover it.
Only companies licensed to send money out of Nigeria make this table, which rules out most of the apps you'll see advertised.
In the past 30 days alone, we analysed 236 comparisons across 8 amounts.
This page covers the cheapest and fastest options for NGN/USD transfers. This is how we pick them:
Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.
We track 8 of them on NGN to USD, comparing rates, fees and how the money is paid in and collected. Each goes through our review first.
Rates here move daily, so ours refresh in real time on live searches. 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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