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Compare ways to send money from United States to Nigeria

Find money transfer deals for sending money from United States 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 United States.

Transferring the other way? Send NGN from Nigeria to United States instead.
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Companies for transfers from United States to Nigeria

Sponsored - Online

"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."

Fees
0.1% - 2.6%
Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0%

"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."

Fees
0.1% - 2.6%
Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0%

"Revolut has 50+ million customers globally. You can hold up to 36 currencies in the app and send money quickly in 70+ currencies to 160+ countries."

Fees
0.3% - 1%
Transfer Speed
Minutes - 5 days
Exchange Rate Markup
0.1% - 0.6%

"24/7 live chat support provided in six languages. Special first transfer rates available, with airtime topup supported to many countries in Africa, Asia and South America."

Fees
$1.99 - $2.99
Transfer Speed
Minutes - 2 days
Exchange Rate Markup
0.8% - 3%

"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."

Fees
$1.99 - $2.99
Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.3% - 2.1%

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Fees
None
Transfer Speed
Minutes - 3 days
Exchange Rate Markup
0.1% - 1.3%

"Sendwave is trusted by over 1 million users across the US, UK, Canada and EU. 24/7 support is available online and via the app."

Fees
None
Transfer Speed
Minutes - 3 days
Exchange Rate Markup
2% - 3%

"Ria Money Transfer has over 35 yeas of trusted experience. Send money online to over 190 countries, and to over 500,000 pickup locations."

Fees
$1 - $10
Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
2 - 3%
Fees
$0 - $10
Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0.3% - 2%

"Paysend has transparent fees and rates, with transfer sent within seconds to your recipient's bank. They also have global 24/7 support for any enquiries, and bank-level security."

Fees
None
Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
1 - 3%

"Moneygram is a well established service with over 80 years in the sector. They support over 200 countries worldwide and have over 440,000 retail locations."

Fees
1% - 3%
Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
2 - 4%

Overall best way: WorldRemit

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

We tested & reviewed 14 transfer providers, and WorldRemit scored highly.

In the last six months, WorldRemit appeared in 74.1% of United States to Nigeria searches, and was the top rated company supporting payments the United States into Naira.

So for a great mix of cost, speed & features, make your United States to Nigeria transfer using WorldRemit.

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How to compare deals on your United States to Nigeria transfer

Summary of recent searches

Top rated for transfers from United States to Nigeria
WorldRemit
Total number of US - NG providers
14
Average cheapest fees & rate
Paysend
Average fastest transfer
Paysend
Average transfer time
Within minutes
Best for bank transfers
Remitly
Best for debit card
Instarem
Best for credit card
Instarem

Considerations for sending money from United States to Nigeria

1
Compare providers

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

Our analysis included 14 providers that operate between United States and Nigeria.

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

2
Track the US Dollar-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 send money to Nigeria from the United States: Remitly

Remitly combines the lowest fees with the best exchange rate and from the 14 companies compared offers the cheapest transfers to Nigeria from the United States.

Data collected through our comparison over the past six months shows that Remitly is 0% cheaper than the second-best option.

The cost is made up of an average fee of 0* USD and an exchange rate for buying Naira with US Dollar that is -0.74% different to the mid-market rate.

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

*The most common fee applied to USD-NGN by Remitly, based on data from the past six months.

Fastest money transfers from United States to Nigeria: Paysend.

Of the 14 money transfer companies tested, Paysend offered the quickest way to send US Dollars to Nigeria.

Through our comparison, we found Paysend to be the fastest option to transfer money from the United States to Naira in 33.8% of instances.

Over the last six months, sending money from the United States to Nigeria through Paysend have an average fee of 0 USD.

Paysend was one of 14 money transfer providers we compared for overall speed of sending money from the United States 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, Paysend is our best choice for sending from United States to Nigeria.

Send large sums of money

Transferring bigger amounts of money to Nigeria from the United States needs a strong exchange rate and effective management of the transfer.

From the
14 options we compared, WorldRemit offers the strongest all round option for large transfers to Nigeria from the United States.

Whatever the reason, sending large sums of money can be expensive if you get a bad exchange rate from Nairas to Naira.

As such, we recommend WorldRemit for large transfers between Nigeria and the United States.

Understanding the cost of transferring money from United States to Nigeria

The total cost of money transfers from United States to Nigeria is a combination of fees and exchange rates. Get the best of both, and you will be getting a good deal.

The Mid-Market and Exchange Rates: The mid-market rate for USD-NGN is currently 1,553.57 NGN per US Dollar. Providers offering services closer to this rate will ensure more Naira for your US Dollars.

  • To give a historic average, over the last three months the USD-NGN mid-market rate has been 1,623.9784 NGN per US Dollar, this has had a high of 1,697.4976 and a low of 1,263.0001.

  • From the 14 companies compared, Revolut offers the best exchange rate on transfers to Nigeria and the United States.

  • Generally, the exchange rate you receive on converting USD to NGN will be the biggest factor impacting the cost of sending US Dollars to Nigeria.

Fees: Transfer fees are charged alongside a transfer. The company offering the lowest fee is Paysend at an average of 0 USD per transfer over the last 6 months. In all cases, we recommend searching for your exact send amount as fees may change.

Amount Received: Money transfer companies will show you the amount eventually received in Naira. Simply, the higher the amount received in the United States, the lower the cost of sending from Nigeria.

Finding the best exchange rate for US Dollar to Naira

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

Mid-market Rate
1
= 1553.570008 NGN

Over the last six months, here’s what we’ve seen:

  • The exchange rate from USD to NGN averaged 1,623.9784 NGN.

  • The highest value recorded was 1,697.4976 NGN, while the lowest was 1,263.0001 NGN.

  • There are currently 14 providers offering transfers between the United States and Nigeria close to this 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 United States to Nigeria!

United States to
Nigeria money transfer payment methods

  • Bank transfers

    Bank transfers are often the best payment method for money transfers from the United States to Nigeria.

    A money transfer company like Remitly offer bank transfers between the United States and Nigeria with lower fees and better exchange rates than you would get from a traditional bank. 


    On average, Remitly is the cheapest provider for bank transfers of the 14 we tested when sending USD to Nigeria.

    Remitly has an average fee of
    0 USD for money transfersfrom the United States to Nigeria. Overall, they offer a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from the United States to Nigeria with a debit or a prepaid card is very simple with Instarem.


    Instarem is a leader in debit card payments for transfers from the United States to Nigeria, competing among a total of 14 active money transfer companies on this route.

  • Credit cards


    Instarem is our top choice of the 14 companies offering credit card transfers from the United States to Nigeria.

    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 Nigeria and United States.


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 United States 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 United States to Nigeria?
Are there any tax implications to sending money from United States to Nigeria?
Can I send money from United States 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 United States to Nigeria?
What is the best exchange rate I can get for sending money from United States to Nigeria?
Are there any minimum or maximum transfer amounts for sending money from United States to Nigeria?
Can I schedule regular transfers between United States 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.