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Send money to Nigeria
Naija. Money Moves.
Send money home to Nigeria. You'll always see the exact rate and fee before you send — so your family knows exactly how much NGN is coming their way. Straight to any Nigerian bank account: Access Bank, GTBank, Zenith, UBA, First Bank and Kuda. Also USD via Paysend Libre.
Money Transfer Methods for Nigeria
Receiving methods in Nigeria:
Bank account:
Digital wallet:
Cash pickup
SWIFT wire
Bank account:
Digital wallet:
Cash pickup
- Send straight to any Nigerian bank account, cleared through the Central Bank of Nigeria's official IMTO network — not the parallel market.
- Works with just the recipient's 10-digit account number and bank name.
- Or send USD to a Paysend Libre user— delivered to a mobile number, ready to spend with Apple Pay or Google Pay.
Sending methods:
Bank transfer
Debit card
Credit card
Bank transfer
Debit card
Credit card
- Bank account: Access Bank, GTBank, Zenith Bank, UBA, First Bank, Kuda — and all CBN-licensed banks (lead method)
- Digital wallet: USD to Paysend Libre (Apple Pay / Google Pay ready)
- SWIFT wire: available
- Cash pickup: available
How Much Does It Cost to Send Money to Nigeria?
Your calculator shows every number before you confirm:
You send
The amount you enter
Transfer fee
a flat fee per transfer, shown as a line item (first transfer free)
Exchange rate
the live rate applied to your transfer (which includes our margin)
What they receive
The exact amount the recipient gets in NGN, straight to their bank account
*Exchange rates are subject to change. Please check the Paysend app or website for the most up-to-date information before sending a transfer. Third-party fees may apply.
How to send money online with Paysend
Step 2
Create your account
Sign up with your email or phone number. Verify once, and you're set for every transfer after.
Step 3
Set up your first transfer
Pick Nigeria, enter the amount, and add your recipient's account number and bank name — or their phone number for Paysend Libre. You'll see the exact rate and fee before anything's sent.
Step 4
Review and confirm
Check what your recipient will receive, clear and in full, then confirm and send.
Send to 100+ countries
Real people, real stories
I have used a lot of money transfer apps but, I found this app is the best as I have been using it for one and half years now, good exchange rates and zero fee and the best thing transaction completes immediately within seconds or minutes.Vishant K.
Paysend for me now is my favorite, safety app for sending money. Nowdays money reach to receiver faster than before, if you needs trusted app for sending money use paysend.Hillylove T.
Paysend was a really exciting discovery as someone who regularly sends overseas payments. This has got to be the quickest, simplest and most efficient way of sending money.Ally D.
Best app to send money from Canada to Ethiopia. It has zero fees if you are sending to someone's account, and the exchange rate is always reasonable. One time I tried to send money but there was a problem with the recipients account and I got my money back without even calling their customer service. They immediately refunded me. Keep up the great work on this app please. I am very pleased and will recommend this app to all of my relatives!Kiing K.
I am from India and I work in north Macedonia.This app easily converts Macedonian Denar to Euro and sends it to India It is a very good app with almost no fees.WaL N.
I just love using paysend. Me and my friends always use paysend for transferring money to my country. I hope paysend will always give us best rates and service and we will keep using it.Touhidul P.
I recently used paysend and was thoroughly impressed! The team was professional, efficient, and provided excellent customer service. They exceeded my expectations in every way. Highly recommend. Used paysend to send money online and it was seamless! Fast transfers, competitive rates, and user-friendly interface. Highly recommend for hassle-free transactions!Caleb S.
The service is reliable, money transfers are fast and simple. I occasionally receive promo codes from Paysend, which allow me to make transfers with no fee and a good exchange rate, and I really appreciate that.Anastasiia M.
Trustable and very easy to use, supportive Service desk team and able to resolve any faced issues (as per my experience with the valuable support team)Amr D.
*Testimonials are individual experiences and results may vary
Join the Paysend community
Become an ambassador
Ambassadors
Active in the UK Naija community — a faith group, professional network, social group or content platform? Help people send money home, and earn on every transfer. This program is subject to contract and to our full terms and conditions. For: Nigerian church group leaders (RCCG, House on the Rock), UK-based Naija content creators, NHS Nigerian staff networks, Igbo entrepreneur networks You get: a tracked link, ready-made guides and visuals, and direct support from our team. Subject to terms and conditions.
Refer a friend
Referrals
Earn up to $36 per friend · Share your link with friends and family who would love Paysend.
Related topics
FAQ
Enter your recipient's account number and bank name — or their phone number for Paysend Libre — and the amount. Review the rate and fee, confirm, and the funds are credited in NGN straight to their bank account, usually the same day.Timing can vary by route, recipient bank, time of day, and routine compliance checks.
It means Paysend is authorised by the Central Bank of Nigeria to deliver inbound transfers through Nigeria's official money-transfer network — so every naira is cleared officially, not through the parallel market.
Access Bank, GTBank, Zenith Bank, UBA, First Bank and Kuda — and all CBN-licensed banks — using the recipient's 10-digit account number.
Paysend Libre delivers USD to a recipient's mobile number, ready to spend with Apple Pay or Google Pay — an alternative to a naira bank deposit.
After your free first transfer, Paysend charges a flat transfer fee per transfer, shown as a line item. The exchange rate (which includes our margin) applied to your transfer is shown before you confirm.
Disclaimer: Exchange rates are subject to change. Please check the Paysend app or website for the most up-to-date information before sending a transfer. Third-party fees may apply.
Transfers to a Nigerian bank account are usually same-day, often within minutes. Timing can vary by recipient bank, time of day and routine compliance checks. Indicative timing is shown before you confirm and is not guaranteed.
Disclaimer: Delivery times are not guaranteed and may vary. Time can occur due to compliance or verification checks, funding method, bank or network processing times, or circumstances outside our control.
Pay by debit card, credit card, bank transfer, Apple Pay or Google Pay. Your recipient receives it directly to their bank account, or in USDfor Paysend Libre users.
We carry out identity verification upfront, so in most cases there are no unexpected holds once you are verified. However, individual transfers may be subject to additional compliance checks. We will always notify you promptly if action is needed on a transfer.
Yes, cash pickup is available in addition to bank and Paysend Libre delivery.
Yes. Protecting your personal information is a top priority. We use robust physical, technical, and administrative safeguards, including advanced encryption, to keep your data secure. Also we never sell your personal data to advertisers or share it with any government unless required by law to comply with anti-money laundering regulations. For full details, please review our Privacy Notice under the relevant jurisdiction.