/Send money/To Nigeria/From Gambia

How to send money to Nigeria from Gambia with the best GMD-NGN rate

Find money transfer deals for sending money from Gambia to Nigeria. Compare the cheapest, fastest, and most reliable providers with the best GMD to NGN exchange rates.

Read on for the best deals, expert information, and easiest ways to send money to Nigeria from Gambia.

Transferring the other way? Send NGN from Nigeria to Gambia instead.
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November 16th, 2025

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Nigeria
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Send
D
Best Money Transfer Companies

Send money from Gambia to Nigeria

Last updated: Today
Mid-market rate as of 11/16/2025: 1 GMD = 19.871777 NGN
Results below are based on a 18300 GMD search
Sort by:
0 of 3 providers
Send cash via a Western Union agent
1
Western Union Agent
Recipient gets (NGN)
₦345,414.21
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 (NGN)
₦345,414.21
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 (NGN)
₦341,759.59
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

Alternative for Gambia to Nigeria

While you can’t send GMD to NGN with Wise, you can transfer USD to USD.

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0%
Fees
0.1% - 2.6%
How effectively does your finance team manage international cash flow?

In our experience, there are always efficiencies to be made in how businesses manage international payments in and out.

Why not take our free FX health check test to see how effective your business is in managing these. It only takes a couple of minutes.

Best recommended: Western Union Agent

Western Union Agent is our top pick for sending Dalasi to Nigeria.

Of the 3 money transfer providers tested and reviewed, Western Union Agent will get you the most NGN (345,414.21) based on our 7-day analysis.

Western Union Agent appeared in 100% of Gambia to Nigeria searches, and was the top rated company supporting GMD to NGN transfers.

How to to send from Gambia to Nigeria in the best way

Summary of recent searches

Top rated for transfers from Gambia to Nigeria
Western Union Agent
Total number of GM - NG 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

Considerations for sending money from Gambia to Nigeria

1

Compare providers

Always compare ways to send money from Gambia to Nigeria to get the best options for fees, speed, and reliability.

Our analysis included 3 providers that operate between Gambia and Nigeria.

Through this, you get a comprehensive view of all the options you have in Gambia when you need to send money to Nigeria.

2

Track the Dalasi-Naira exchange rate

3

Choose the right payment method

4

Use regulated providers

5

Consider transfer limits

6

How to receive money in Nigeria

7

Have your ID ready

8

Don't forget about taxes

Cheapest way to transfer money from Gambia to Nigeria: Western Union Agent

Western Union Agent offers the lowest cost transfers between Gambia and Nigeria out of the 3 providers compared.

Our data shows that Western Union Agent is 0% cheaper than the second-best option.

The company offers an average fee of 3* GMD and an average exchange rate between GMD and NGN that is 5% different from the mid-market rate.

For a cheap way to send GMD to Nigeria, Western Union Agent is a great all round choice.

*The most common fee applied to GMD-NGN by Western Union Agent, based on data from the past 7 days.

Fastest way to send money to Nigeria from Gambia: PayPal App

We compared 3 companies and found PayPal App offers the fastest money transfers between Gambia and Nigeria.

Our comparison shows that PayPal App is the fastest option for sending Dalasi into Naira 100% of the time.

With PayPal App, the average transfer time is: minutes (based on a 7-day average ).

A GMD-Naira transfer through PayPal App comes with an average 4 GMD fee.

This comparison is based on the overall speed of sending 18,300 GMD to Nigeria and is a combination of depositing Dalasi, transfer times to Nigeria and withdrawal timeframes, where applicable.

When speed is a priority, PayPal App is the top choice for sending into Nigeria from Gambia.

Send large sums of money

Transferring bigger amounts of money from Gambia to Nigeria should be done with the exchange rate and management of the service in mind.

Western Union Agent offers the strongest all round option for large transfers of the
3 money transfer companies compared.

Whether for business or a property purchase, sending large amounts of money can be expensive if you get a bad exchange rate from Naira to Naira.

As such, opt for Western Union Agent for sending large sums of money to Nigeria from Gambia.

Pick the right payment method when sending money to Nigeria from Gambia

When sending money to Nigeria from Gambia, it is important to consider your needs and the payment method you will be using. Some payment methods can be faster but will cost more, while others might have lower fees but get you more NGN.

Below is the data from our search results from the past week. It is based on D18,300 transfer to Nigeria from Gambia.

Overall best way to send money to Nigeria from Gambia

Funding method

Provider

FX Rate & Markup

Transfer Fee

NGN Received

Overall best

Western Union Agent (appeared 1 times last week)

18.8782 (5% markup)

3

345,414.21 NGN

Bank transfer deposit

Western Union Agent (appeared in 100% of the searches last week)

18.8782 (5% markup)

3

345,414.21 NGN

Debit card deposit

Western Union Agent (appeared 1/7 times in the past 7 days)

18.8782 (5% markup)

3

345,414.21 NGN

Cheapest money transfer companies to send money to Nigeria from Gambia

Funding method

Provider

FX Rate & Markup

Transfer Fee

NGN Received

Overall best

Western Union Agent (appeared 1 times last week)

18.8782 (5% markup)

3

345,414.21 NGN

Bank transfer deposit

Western Union Agent (appeared in 100% of the searches last week)

18.8782 (5% markup)

3

345,414.21 NGN

Debit card deposit

Western Union Agent (appeared 1/7 times in the past 7 days)

18.8782 (5% markup)

3

345,414.21 NGN

Money transfer companies with the lowest GMD fees

Funding method

Provider

FX Rate & Markup

Transfer Fee

NGN Received

Overall best

Western Union Agent (appeared 1 times last week)

18.8782 (5% markup)

3

345,414.21 NGN

Bank transfer deposit

Western Union Agent (appeared in 100% of the searches last week)

18.8782 (5% markup)

3

345,414.21 NGN

Debit card deposit

Western Union Agent (appeared 1/7 times in the past 7 days)

18.8782 (5% markup)

3

345,414.21 NGN

Fastest money transfer companies to send money to Nigeria from Gambia

Funding method

Provider

FX Rate & Markup

Transfer Fee

NGN Received

Overall best

PayPal App (appeared 1 times last week)

18.6795 (6% markup)

4

341,759.59 NGN

Bank transfer deposit

PayPal App (appeared in 100% of the searches last week)

18.6795 (6% markup)

4

341,759.59 NGN

Debit card deposit

PayPal App (appeared 1/7 times in the past 7 days)

18.6795 (6% markup)

4

341,759.59 NGN

We recommend avoiding the following companies, as they are the most expensive for transfers from Gambia to Nigeria:

  • Overall most expensive option: PayPal App. It will cost you D4 to send money to Nigeria, and your recipient will get 341,759.59 NGN.

  • Most expensive for bank transfer deposits: PayPal App. It will cost you D4 to send money to Nigeria, and your recipient will get 341,759.59 NGN.

  • Most expensive for debit card deposits: PayPal App. It will cost you D4 to send money to Nigeria, and your recipient will get 341,759.59 NGN.

Understanding the cost of sending money from Gambia to Nigeria

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

The Mid-Market and Exchange Rates: Finding a provider as close to mid-market rate as possible will ensure more Naira for your Dalasi. The current GMD-NGN mid-market rate is 19.8718 NGN per Dalasi.

  • This rate changes regularly so it can pay to track it. For comparison, the GMD-NGN mid-market rate for the past 7 days has averaged 19.7644 NGN per Dalasi, with a low of 19.5923 and a high of 19.8718.

  • Western Union Agent is currently offering the best exchange rate from the 3 companies compared.

  • Often the GMD-NGN exchange rate you pay is the biggest cost factor when transferring Dalasis to Nigeria.

Fees: Money transfer fees are charged on top the exchange rate and can be set, or a percentage of the total amount of Dalasi you’re sending to Nigeria. Western Union Agent currently has the lowest fees for transfers into NGN at an average of 3 GMD over the last week. We always recommend searching for your exact send amount for an exact fee.

Amount Received: The amount received in Naira is the biggest indicator of the total cost of sending money to Nigeria from Gambia. The bigger the amount received in Nigeria, the lower the overall cost of sending from Gambia.

How to find the best exchange rate for Dalasi to Naira

Timing is essential for sending money between GMD and NGN. The exchange rate you secure impacts how much NGN you get for your GMD.

Mid-market Rate
1 
GMD
=
19.871777 
NGN

Let's dive into some interesting recent trends.

  • In the last 7 days, the exchange rate from GMD to NGN has seen some fluctuation. On average, it stood at 19.7644.

  • During this period, the highest value recorded was 19.8718, while the lowest was 19.5923.

  • Western Union Agent, which is our recommended service to send money online from Gambia to Nigeria offers an exchange rate that is only 5% above the mid-market rate.

Want to secure the best GMD-Naira exchange rates?

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

Payment methods for Gambia to
Nigeria transfers

  • Bank transfers

    Bank transfers are often the fastest option, and normally the cheapest, for sending money from Gambia to Nigeria.

    By opting for a money transfer company such as Western Union Agent for transfers from Gambia to Nigeria, you can send money via a bank transfer while benefitting from lower fees and more favorable exchange rates. 


    On average, Western Union Agent is the cheapest provider for bank transfers from the 3 we tested when sending GMD to Nigeria.

    With an average fee of GMD3 to send money from Gambia to Nigeria, Western Union Agent offers a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid card payments

    Using a debit card, or prepaid option, for sending money from Gambia to Nigeria is easy with Western Union Agent.


    Western Union Agent is a market leader in debit card payments for transfers from Gambia to Nigeria, this is among a total of 3 money transfer companies compared.

  • Credit card transfers

    When it comes to credit card transfers from Gambia to Nigeria, we recommend running a quick comparison to get the best deal as not many companies offer direct credit card deposits.

    Fee alert: credit card money transfers often result in a cash advance fee being charged by your card issuer. We recommend bank transfer or debit card where possible.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between Nigeria and Gambia.


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 Gambia to Nigeria.


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


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 Gambia to Nigeria?
Are there any tax implications to sending money from Gambia to Nigeria?
Can I send money from Gambia to Nigeria with MoneyTransfers.com?
What are the typical transfer fees for sending Dalasis to Nigeria through various providers?
How long does it take to send money from Gambia to Nigeria?
What is the best exchange rate I can get for sending money from Gambia to Nigeria?
Are there any minimum or maximum transfer amounts for sending money from Gambia to Nigeria?
Can I schedule regular transfers between Gambia and Nigeria?

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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