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Receive Money in Nigeria
The best apps to send money directly to your mobile money wallet in Nigeria. Fees, speed, and operators compared.
Annual inflows
$20.9B
% PIB
5.4% of GDP
Top sources
United States, United Kingdom, UAE, Saudi Arabia
Supported Mobile Wallets
📱 MTN MoMo PSB📱 OPay📱 PalmPay
Apps to send to Nigeria
| App | Fee | Speed | Send from |
|---|---|---|---|
| 🌍WorldRemit | Flat fee | Minutes | UK, US, CA, AU, AE |
| 🍋LemFi | Free | Minutes | UK, US, CA, DE, FR |
| 📲TapTap Send | Free | Minutes | UK, US, CA, AU, AE |
| 💸Remitly | Flat fee | Minutes to 3 days | UK, US, CA, AU, AE |
| 🏦Western Union | FX | Minutes to 1 day | UK, US, CA, AU, AE |
| 📱MTN Homeland | Flat fee | Minutes | UK, EU |
⚠️ Inbound levy: ₦50 EMT levy on inbound transfers ≥₦10,000 (charged to recipient)
💡 Key fact
As of Nov 2025, Thunes partnership lets MoMo PSB receive from USA, UK, Canada, France, Australia, Saudi Arabia, Israel and South Africa instantly.
Send from a specific country
Frequently Asked Questions
What apps can I use to send money to Nigeria mobile wallets?+
The most popular apps are Sendwave, LemFi, WorldRemit, TapTap Send and Remitly. They deliver directly to MTN MoMo PSB, OPay, PalmPay in Nigeria, in minutes.
Do I need to pay any fees to receive money on my wallet in Nigeria?+
Generally no - recipients do not pay fees on international inbound transfers. Exception: ₦50 EMT levy on inbound transfers ≥₦10,000 (charged to recipient)
What is the maximum amount I can receive in Nigeria?+
MTN MoMo Tier 1: ₦50,000/day. Tier 2: ₦200,000/day. Tier 3: ₦5,000,000/day
How long does it take to receive money from abroad?+
Most apps (Sendwave, LemFi, TapTap Send, WorldRemit) deliver in minutes. Remitly Express is also fast. Remitly Economy and Wise take 1-3 business days.
Is there a government tax on receiving international money in Nigeria?+
₦50 EMT levy on inbound transfers ≥₦10,000 (charged to recipient)