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

Compare the best deals on sending money from Nigeria to Congo [DRC]. Get insights on the cheapest, fastest, and most reliable providers with the best NGN to CDF exchange rates.

Read on for the insights, analysis, and all you need to know about money transfers to Congo [DRC] from Nigeria.

Transferring the other way? Send CDF from Congo [DRC] to Nigeria instead.
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November 18th, 2025

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Best money transfer companies

Send money from Nigeria to Congo DRC

Last updated: Today
Mid-market rate as of 11/18/2025: 1 NGN = 1.527167 CDF
Results below are based on a 360000 NGN search
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0 of 3 providers
Send cash via a Western Union agent
1
Western Union Agent
Recipient gets (CDF)
CDF 522,286.76
Full transfer details

"Western Union agents help you send money from a wide variety of countries. Find a local branch near you to deposit cash and send your funds abroad."

7.7
Personal account manager
Multi-currency card
Receive to bank account or debit card
Cash pickup
Send cash via a MoneyGram agent
2
MoneyGram Agent
Recipient gets (CDF)
CDF 522,286.76
Full transfer details

"With MoneyGram you can send money globally. Find a local MoneyGram branch near you to deposit and send cash abroad."

7.5
Personal account manager
Multi-currency card
Receive to bank account or debit card
Cash pickup
Send Money Between PayPal Accounts
3
PayPal App
Recipient gets (CDF)
CDF 516,787.57
Full transfer details

"If you and the person you are sending money to both have PayPal apps, you can quickly and easily send money between each other."

5.4
Personal account manager
Multi-currency card
Receive to bank account or debit card
P2P transfer
Mid-market rate updates every 60 minutes

The best way to send NGN to DRC is to use cash transfer via Western Union

We’ve analysed 100s of money transfer companies, and found that the overall coverage of NGN/CDF transfers is very limited for online transfers.

This is why we suggest sending cash as an alternative, using Western Union.

The transfer fees depend on which branch you use and how much you send, but overall you can expect to pay around 3 NGN for a 360,000 NGN transfer.

Depending on where you are, we suggest checking Western Union to see what deposit methods you have available.

In many cases you can deposit NGN online and the recipient in DRC will need to visit a branch to pick up CDF.

How to get the best deal on your Nigeria to Congo DRC money transfer

Summary of recent searches

Top rated for transfers from Nigeria to Congo DRC
Western Union Agent
Total number of NG - CD providers
3
Average cheapest fees & rate
Western Union Agent
Average fastest transfer
PayPal App
Average transfer time
Within minutes
Best for bank transfers
Western Union Agent
Best for debit card
PayPal App
Best for credit card
PayPal App

Sending money from Nigeria to Congo DRC considerations

1

Compare providers

A comparison of providers offering services between Nigeria and Congo [DRC] is the easiest way to ensure the best deal.

We've compared 3 providers that offer services for sending Naira to Congo [DRC].

This ensures you will get the best options for your transfer to Congo [DRC] from Nigeria.

Whilst we rate Western Union Agent as the best overall, comparing gives you a comprehensive view of all the options for transferring money from Nigeria to Congo [DRC].

2

Get the most from the Naira-Congolese Franc exchange rate

3

Choose the right payment method

4

Financial regulations in Nigeria and Congo DRC

5

Consider transfer limits

6

How to receive money

7

Have your ID ready

8

Tax declarations

The cheapest way to send money from Nigeria to DRC is a cash transfer via MoneyGram.

The cheapest way to send money to DRC from Nigeria is via a cash transfer through a MoneyGram Agent.

While cash transfers are usually more expensive than online options, our analysis of hundreds of money transfer companies shows that very few services currently support NGN/CDF transfers online.

The total cost of your transfer includes both the transfer fee (around 3 NGN per 360,000 NGN) and an exchange rate markup.

Ultimately, the exact price will depend on your location, payment method, and transfer amount.

The cheapest way to to send money to DRC from Nigeria is via PayPal P2P Transfer

The coverage of NGN/CDF transfer options is very limited, therefore, PayPal’s P2P transfer service is one of the cheaper options you have, along with cash transfer via Western Union and MoneyGram.

With PayPals P2P transfer, the main cost is the conversion between currencies, which can go as high as % on top of the mid market rate, as well as a NGN transfer fee.

You can also opt to use a cash transfer via MoneyGram or Western Union, which are cheaper in some cases (depending on the amount, deposit method, and your branch).

Screenshot

Transferring large sums of money

For transfers of larger amounts of Congolese Francs to Congo [DRC] picking a provider with a competitive exchange rate and hands on management can make a huge difference.

Of the
3 money transfer companies tested, Western Union Agent is the strongest option for large transfers from Nigeria to Congo [DRC].

Reasons for sending large sums of money vary and include business or property purchases. But whatever the reason, sending large amounts of money from Nigeria to Congo [DRC] can become expensive through your bank or with the wrong provider.

Western Union Agent is our choice for sending large sums of money to NGN because they offer a strong all-round product.

Understanding the costs involved when transferring money to Congo DRC from Nigeria

When calculating the cost of sending money from Nigeria to Congo [DRC], a combination of fees and exchange rates ensure the best deal:

The Mid-Market and Exchange Rates: The current NGN-CDF mid-market rate is 1.5249 CDF per Naira. Finding a provider as close to this number as possible will ensure more Congolese Franc for your money.

  • As a comparison, the NGN-CDF mid-market rate for the past week has averaged 1.5074 CDF per Naira, hitting a high of 1.5315 and a low of 1.4843.

  • Western Union Agent is currently offering the best exchange rate on transfers between Nigeria and Congo [DRC].

  • Often the NGN-CDF exchange rate you receive will be the biggest factor impacting the cost of sending Naira to Congo [DRC].

Fees: Transfer fees are charged on top of a transfer. Western Union Agent currently offers lowest fees of 3 NGN. Although we recommend searching for your exact send amount for an exact fee.

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

Tracking the exchange rate for Naira to Congolese Franc

Getting a better exchange rate between NGN and CDF can make a huge difference to the overall cost of sending money.

Mid-market Rate
1 
NGN
=
1.524897 
CDF

Over the last 7 days, between Nigeria and Congo [DRC], the average numbers are:

  • NGN to CDF saw an average 1.5074 CDF mid-market rate.

  • The highest point was 1.5315 CDF, while the lowest was 1.4843 CDF.

  • 3 providers are currently offering transfers between Nigeria and Congo [DRC].

Want to secure the best NGN-Congolese Franc exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from Nigeria to Congo [DRC]!

Nigeria to
Congo DRC money transfer payment methods

  • Bank transfers

    Bank transfers are often the best payment method for money transfers from Nigeria to Congo [DRC].

    A money transfer company like Western Union Agent offer bank transfers between Nigeria and Congo [DRC] with lower fees and better exchange rates than you would get from a traditional bank. 


    On average, Western Union Agent is the cheapest provider for bank transfers of the 3 we tested when sending NGN to Congo [DRC].

    Western Union Agent has a fee of 3 NGN for money transfersfrom Nigeria to Congo [DRC]. Overall, they offer a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

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


    Western Union Agent is a leader in debit card payments for transfers from Nigeria to Congo [DRC], competing among a total of 3 active money transfer companies on this route.

  • Credit cards

    Not many money transfer companies offer direct credit card deposits, because it is more expensive for everyone.

    We recommend using a bank transfer or a debit card transfer if you can; otherwise, make a quick comparison to find the latest deal.

    Fee alert: using a credit card to transfer money can result in a fee being charged by your card issuer as it is considered as a cash advance. That's why we recommend bank transfer or debit card instead.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between Congo [DRC] and Nigeria.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money from Nigeria to Congo [DRC].


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send NGN to CDF.


For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy and review methodology.

Money transfer company reviews

How much money can be transferred from Nigeria to Congo [DRC]?
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Can I send money from Nigeria to Congo [DRC] with MoneyTransfers.com?
What are the typical transfer fees for sending Nairas to Congo [DRC] through various providers?
How long does it take to send money from Nigeria to Congo [DRC]?
What is the best exchange rate I can get for sending money from Nigeria to Congo [DRC]?
Are there any minimum or maximum transfer amounts for sending money from Nigeria to Congo [DRC]?
Can I schedule regular transfers between Nigeria and Congo [DRC]?

Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is the founder and CEO of MoneyTransfers.com, with over 10 years’ experience building consumer products across finance, insurance, and travel. A frequent traveler himself, Luke has hands-on experience testing payment and transfer services globally, giving him a unique perspective on the real-world challenges users face. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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