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Send Money from Nigeria to Cameroon via MTN MoMo

MTN MoMo PSB NigeriaMTN MoMo Cameroon

How much does it cost to send money from Nigeria to Cameroon in 2026?

Via MTN MoMo, expect about 3% in fees. The recipient gets XAF. Because NGN and XAF both go through the US dollar, the real cost also includes each currency's spread to USD — see the USD-anchored rates below, not just the fee.

Today's rate
Updated 19 Jul 2026, 03:00 UTC
1 XAF = 2.38 NGN

Why the Nigeria–Cameroon route matters

Nigeria–Cameroon trade crosses the eastern border in cattle, foodstuffs, fuel and manufactured goods, much of it informal — the naira meets the Central African CFA franc in dense cross-border markets along one of the continent's longest land borders.

Both currencies vs the US dollar
NGN official
1 USD = 1,380.14 NGN
XAF official
1 USD = 573.31 XAF
10,000 = FCFA4,154
1 XAF = 2.41 NGN · derived from the two USD legs
Interbank rate updated 19 Jul 03:00 UTC (less than 1h ago) · interbank mid-market
Why it costs more than the fee: NGN and XAF both price through the US dollar — there is no deep direct NGN/XAF market. So the route's true cost includes each currency's spread to USD: you can lose a little on BOTH conversions, not just on the visible transfer fee. Compare the USD-anchored rates above, not only the headline fee.

Nigeria's NGN on the parallel market

P2P updated 16h ago

Nigeria's NGN trades at roughly a 1.8% premium on the parallel market — at the street rate your NGN is worth less against the dollar than the official rate above suggests, so the real route cost can be higher. See the Nigeria parallel rate →

P2P signal: last median 18 Jul 2026, 11:00 (16h ago) — may be slightly delayed. Premium % is the last known value; the quote still tracks the live official rate.

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How much are you sending?

NGN
Enter an amount above to see fees and what your recipient gets

Rate updated: 19 Jul 2026, 03:00 UTC · Indicative rate

MTN MoMo fee
3% of amount sent
Paid by sender
Fee examples (NGN → XAF)
Send (NGN)Fee (NGN)Recipient ~ (XAF)
10,000300 (3%)4,084
50,0001,500 (3%)20,419
100,0003,000 (3%)40,837
200,0006,000 (3%)81,674

How to send from Nigeria to Cameroon

  1. Open the MoMo PSB app → menu "Transfer to Africa".
  2. Or dial *671# → Transfer → International.
  3. Select Cameroon, enter the recipient's mobile number.
  4. Enter the amount in NGN. Confirm with your PIN.
  5. Instant settlement — the recipient gets an SMS and XAF in their wallet.
⚠️ Tier 2/3 wallet required: Tier 1 wallets cannot send internationally. Upgrade by linking your BVN in the MoMo app settings. Tier 2: ₦200,000/day, Tier 3: ₦5,000,000/day.
Key fact: Nigeria and Cameroon share a 1,700km border. MTN MoMo direct wallet transfer eliminates the need for cash couriers or expensive bank wires for cross-border traders.
Sending from Cameroon to Nigeria?1 XAF = 2.380 NGN

Frequently Asked Questions

What is the fee for sending money from Nigeria to Cameroon via MTN MoMo?+
MTN MoMo charges 3% of the amount sent. The recipient pays nothing.
What wallet tier do I need to send money internationally from Nigeria?+
Tier 2 or Tier 3 only. Tier 1 wallets are restricted. Link your BVN to upgrade.
How do I send money from Nigeria to Cameroon on MoMo PSB?+
Open the MoMo app → "Transfer to Africa" → select Cameroon → enter recipient phone → confirm. Or dial *671# and follow prompts.
What are the daily limits for international transfers on MoMo PSB?+
Tier 2: ₦200,000/day. Tier 3: ₦5,000,000/day.
How long does it take for money to arrive?+
Transfers are instant — the recipient gets an SMS as soon as the transaction completes.

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