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How to send money to Nigeria from Puerto Rico with the best USD-NGN rate

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

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

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July 15th, 2025
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Best money transfer companies

Send money from Puerto Rico to Nigeria

Last updated: Today
Mid-market rate as of 07/15/2025: 1 USD = 1534.369859 NGN
Results below are based on a 7000 USD search
0 of 2 providers
Sponsored
Wise
Recipient gets (NGN)
₦10,676,374.77
Full transfer details
Visit Wise
₦258,003 better than a typical bank*

"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."

Personal account manager
Multi-currency card
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Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (NGN)
₦8,391,775.00
Full transfer details

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
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1
Wise
Recipient gets (NGN)
₦10,676,374.77
Full transfer details
Visit Wise
₦258,003 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
2
Xe
Recipient gets (NGN)
₦8,391,775.00
Full transfer details

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Mid-market rate updates every 60 minutes
Sponsored
Wise
Recipient gets (NGN)
₦10,676,374.77
Full transfer details
Visit Wise
₦258,003 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (NGN)
₦8,391,775.00
Full transfer details

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
How effectively does your finance team manage international cash flow?

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Overall best way: Wise

Wise is our recommended company for transferring US Dollar to Nigeria.

We tested & reviewed 2 transfer providers, and Wise scored highly.

Sending 7,000 USD to NGN will cost you $43.71 in fees, and you will receive 10,676,374.77 NGN. The delivery time is within 3 hours, but it depends on the day you make the transfer.

So for a great mix of cost, speed & features, make your Puerto Rico to Nigeria transfer using Wise.

Wise is the top rated company for sending money from Puerto Rico (USD) to Nigeria (NGN) - Wise Screenshot

How to get the best deal on sending money from Puerto Rico to Nigeria

Summary of recent searches

Top rated for transfers from Puerto Rico to Nigeria
Wise
Total number of PR - NG providers
2
Average cheapest fees & rate
Xe
Average fastest transfer
Wise
Average transfer time
Within minutes
Best for bank transfers
Xe

Considerations for money transfers from Puerto Rico to Nigeria

1
Compare providers

Comparing providers offering services between Puerto Rico and Nigeria, based on your specific needs is the best way to send money with confidence.

Our comparison includes 2 companies that provide the ability to send US Dollar to Nigeria.

This ensures you get the best options for transfers to Nigeria from Puerto Rico, based on the amount you want to send.

2
Watch the US Dollar-Naira exchange rate
3
Choose the right payment method
4
Use providers regulated in Nigeria and Puerto Rico
5
Consider transfer limits
6
Receiving money in Nigeria
7
Have your ID ready
8
Tax declarations

Cheapest way to send money to Nigeria from Puerto Rico: Xe

Xe combines the lowest fees with the best exchange rate and from the 2 companies compared offers the cheapest transfers to Nigeria from Puerto Rico.

Data collected through our comparison over the past week shows that Xe is -27.22% cheaper than the second-best option.

The cost is made up of a fee of 0 USD and an exchange rate for buying Naira with US Dollar that is 24.55% different to the mid-market rate.

If you want to secure the best rates on a Puerto Rico to Nigeria transfer, Xe offers value. We would still recommend searching for the amount you want to send to Nigeria.

Xe is the cheapest way to send money from Puerto Rico (USD) to Nigeria (NGN) - Xe Screenshot 1
Xe is the cheapest way to send money from Puerto Rico (USD) to Nigeria (NGN) - Xe Screenshot 2
Xe is the cheapest way to send money from Puerto Rico (USD) to Nigeria (NGN) - Xe Screenshot 3

Fastest money transfers from Puerto Rico to Nigeria: Wise.

Of the 2 money transfer companies tested, Wise offered the quickest way to send US Dollars to Nigeria.

Based on our recent data, transfer time for a $7,000 transfer to Nigeria with Wise is within 3 hours. This can vary by amount and method, but it is a good point of reference.

Sending money from Puerto Rico to Nigeria through Wise will cost you 43.71 USD in fees & small markup.

Wise was one of 2 money transfer providers we compared for overall speed of sending money from Puerto Rico to Nigeria. This speed test included depositing US Dollars to an account and the average timeframe for sending money to Nigeria.

When fast transfers are a priority, Wise is our best choice for sending from Puerto Rico to Nigeria.

Wise is the fastest way to send money from Puerto Rico (USD) to Nigeria (NGN) - Wise Screenshot

Sending a large amount of money?

For big transfers from Puerto Rico to Nigeria, competitive pricing & strong customer service are essential.

Of the
2 providers compared, Wise is the best rated for higher transfer amounts.

Sending large amounts of money can be expensive, and while Wise may not always be the fastest or cheapest way to send money from Puerto Rico to Nigeria, it's a great provider for things like buying or selling property.

Understanding the cost of sending money from Puerto Rico to Nigeria

Ensuring a strong combination of fees and exchange rates ensures the best deal on money transfers from Puerto Rico 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 US Dollar. The current USD-NGN mid-market rate is 1,530.5201 NGN per US Dollar.

  • This rate changes regularly so it can pay to track it. For comparison, the USD-NGN mid-market rate for the past 7 days has averaged 1,530.3272 NGN per US Dollar, with a low of 1,527.9998 and a high of 1,534.3699.

  • Wise is currently offering the best exchange rate from the 2 companies compared.

  • Often the USD-NGN exchange rate you pay is the biggest cost factor when transferring US Dollars 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 US Dollar you’re sending to Nigeria. Xe currently has the lowest fees for transfers into NGN of just 0 USD. 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 Puerto Rico. The bigger the amount received in Nigeria, the lower the overall cost of sending from Puerto Rico.

Getting best exchange rate for sending US Dollar to Naira

Timing is essential when tracking the mid-market rate between USD and NGN. The end exchange rate you secure impacts how much NGN you get for your USD.

Mid-market Rate
1 
USD
=
1530.520070 
NGN

The recent mid-market rate trends are:

  • Over the past 7 days, the mid-market rate from USD to NGN was 1,530.3272.

  • During this period, it hit a high of 1,534.3699, and a low of 1,527.9998.

  • Wise, which is our recommended service to send money online from Puerto Rico to Nigeria offers an exchange rate that is only -0.03% above the mid-market rate.

Want to secure the best USD-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 Puerto Rico to Nigeria!

Payment options for transfers from Puerto Rico to
Nigeria

  • Bank transfers

    Bank transfers are often the fastest and cheapest way to send money from Puerto Rico to Nigeria.

    Using a money transfer company such as Xe for payments from Puerto Rico to Nigeria, means you can send via a bank transfer and benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 



    Xe is the best money transfer provider for bank transfers of the 2 we compared when sending USD to Nigeria.

    With a fee of 0 USD to transfer money from Puerto Rico to Nigeria, Xe offers a great combination of competitive exchange rates and lower fees.


  • Prepaid and debit cards

    Sending money with a debit card from Puerto Rico to Nigeria is easy with .


    is a leader in debit card money transfers from Puerto Rico to Nigeria. They are the best option of the 2 transfer companies compared.

  • 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 internationally often results in a fee being charged by your card issuer. 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 Nigeria and Puerto Rico.


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 Puerto Rico to Nigeria.


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


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

Money transfer company reviews

How much money can be transferred from Puerto Rico to Nigeria?
Are there any tax implications to sending money from Puerto Rico to Nigeria?
Can I send money from Puerto Rico to Nigeria with MoneyTransfers.com?
What are the typical transfer fees for sending US Dollars to Nigeria through various providers?
How long does it take to send money from Puerto Rico to Nigeria?
What is the best exchange rate I can get for sending money from Puerto Rico to Nigeria?
Are there any minimum or maximum transfer amounts for sending money from Puerto Rico to Nigeria?
Can I schedule regular transfers between Puerto Rico 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 CEO at MoneyTransfers.com, with 10 years' experience building consumer products in finance, insurance & travel. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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