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Send Money from Nigeria to Côte d'Ivoire via MTN MoMo

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How much does it cost to send money from Nigeria to Côte d'Ivoire in 2026?

Via MTN MoMo, expect about 3% in fees. The recipient gets XOF. Because NGN and XOF 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 XOF = 2.38 NGN

Why the Nigeria–Côte d'Ivoire route matters

Nigeria–Côte d'Ivoire is a major ECOWAS trade axis — Nigerian manufactured goods, fuel and electronics flow west while Ivorian cocoa, cashew and agricultural produce flow east, with cross-border traders pricing in naira and CFA franc along the coastal route.

Both currencies vs the US dollar
NGN official
1 USD = 1,380.14 NGN
XOF official
1 USD = 573.31 XOF
10,000 = FCFA4,154
1 XOF = 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 XOF both price through the US dollar — there is no deep direct NGN/XOF 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 → XOF)
Send (NGN)Fee (NGN)Recipient ~ (XOF)
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 Côte d'Ivoire

  1. Open the MoMo PSB app → menu "Transfer to Africa".
  2. Or dial *671# → Transfer → International.
  3. Select Côte d'Ivoire, 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 XOF 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: Significant Nigerian business community in Abidjan uses MTN MoMo direct to pay suppliers and send money home. 3% fee vs 8–15% via traditional channels.

Frequently Asked Questions

What is the fee for sending money from Nigeria to Côte d'Ivoire 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 Côte d'Ivoire on MoMo PSB?+
Open the MoMo app → "Transfer to Africa" → select Côte d'Ivoire → 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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