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Send money from Nigeria to United States
"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."
"With MoneyGram you can send money globally. Find a local MoneyGram branch near you to deposit and send cash abroad."
"If you and the person you are sending money to both have PayPal apps, you can quickly and easily send money between each other."
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.
The best way to send NGN to US is to use cash transfer via Western Union
We’ve analysed 100s of money transfer companies, and found that the overall coverage of NGN/USD 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 US will need to visit a branch to pick up USD.
How to get the best deal on your Nigeria to United States money transfer
Always compare rates
Don't pay more than you have to. Use our live comparison tool to get the best exchange rates on sending money from Nigeria to the United States.
Choose a provider
Select the provider that offers you the best value and timeframes for transfers between Nigeria and the United States.
Click, sign up & send
Follow the steps & make your transfer to the United States. Your funds will be sent from Nigeria and converted into US Dollar.
Summary of recent searches
Get the most from sending money from Nigeria to United States
Compare providers
Comparing providers offering services between Nigeria and the United States based on your specific transfer amount, is the easiest way to get the best price on your transfer.
We cover the entire NGN-USD market and have compared 3 providers offering services between Nigeria and the United States.
This ensures you will get the most comprehensive options for sending Naira to the United States.
Whilst we rate Western Union Agent as the best overall for transfers between the two countries, comparing gives you the best idea for your specific Nigeria to the United States transfer needs.
Beat the Naira-US Dollar exchange rate
Choose the right payment method
Financial regulations across Nigeria and United States
Consider minimum and maximum limits
Receiving money in United States
Be ready with your ID
Tax declarations
The cheapest way to send money from Nigeria to US is a cash transfer via MoneyGram.
The cheapest way to send money to US 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/USD 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 US from Nigeria is via PayPal P2P Transfer
The coverage of NGN/USD 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).
Transferring large sums of money
Of the 3 money transfer companies tested, Western Union Agent is the strongest option for large transfers from Nigeria to the United States.
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 the United States 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 cost of money transfers from Nigeria to United States
The total cost of sending money to United States from Nigeria is made up of a combination of mid-market, exchange rates and fees.
The Mid-Market and Exchange Rates: The current mid-market for NGN-USD is 0.0007 USD per Naira.
Using a transfer company with an exchange rate as close to the mid-market rate as possible will result in being able to buy more US Dollar for your Nairas.
Over the last 7 days, the average NGN-USD mid-market rate has seen each Naira worth 0.0007 USD. Within this we see a high of 0.0007, and a low of 0.0007.
Of the 3 companies compared, Western Union Agent offers the best exchange rates.
The biggest factor in the overall cost of sending money is the exchange rate you receive on converting NGN to USD.
Fees: When sending money you may have to pay fees. Western Union Agent costs 3 NGN per transfer at the moment, which is the cheapest option of the 3 providers compared. We would recommend searching to ensure you get the correct fee for your transfer amount.
Amount Received: When comparing providers, the best measure is the amount of US Dollar eventually received in the United States.
This number should be a guide for your decision if cost is important. A higher amount of money received in the United States means a better overall cost of sending money from Nigeria.
Track the exchange rate for Naira to US Dollar
Sending money at the right time between NGN and USD can make a huge difference to overall cost. The exchange rate impacts how much USD you get for your NGN.
Over the last 7 days, the average numbers are:
The exchange rate from NGN to USD averaged 0.0007 USD.
The highest value recorded was 0.0007 USD, while the lowest was 0.0007 USD.
3 providers currently offer transfers between Nigeria and the United States close to this rate
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Payment options for transfers from Nigeria to United States
Bank transfers
Bank transfers are often the fastest and cheapest way to send money from Nigeria to the United States.
Using a money transfer company such as Western Union Agent for payments from Nigeria to the United States, 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.
Western Union Agent is the best money transfer provider for bank transfers of the 3 we compared when sending NGN to the United States.With a fee of 3 NGN to transfer money from Nigeria to the United States, Western Union Agent offers a great combination of competitive exchange rates and lower fees.
Prepaid and debit cards
Sending money with a debit card from Nigeria to the United States is easy with Western Union Agent.
Western Union Agent is a leader in debit card money transfers from Nigeria to the United States. They are the best option of the 3 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 United States 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 United States.
We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send NGN to USD.
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
