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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

AppFeeSpeedSend from
🌍WorldRemitFlat feeMinutesUK, US, CA, AU, AE
🍋LemFiFreeMinutesUK, US, CA, DE, FR
📲TapTap SendFreeMinutesUK, US, CA, AU, AE
💸RemitlyFlat feeMinutes to 3 daysUK, US, CA, AU, AE
🏦Western UnionFXMinutes to 1 dayUK, US, CA, AU, AE
📱MTN HomelandFlat feeMinutesUK, 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.

How receiving works in Nigeria

The rail that credits the wallet. On the Nigeria side, funds land via NIP (NIBSS Instant Payments), the instant interbank rail that credits OPay, PalmPay, Moniepoint and MTN MoMo PSB within seconds. NIP is what makes the 'in minutes' delivery genuinely instant once the sending app has converted to naira.

The real cost: moving the funds out. Receiving is free, but moving the funds out has a cost that depends on the wallet: on OPay and PalmPay transfers and most withdrawals stay free, while MTN MoMo PSB charges small flat fees. Compare the real cash-out cost on the Nigeria fees page.

Limits and receive flow. Since November 2025, the Thunes partnership lets MoMo PSB receive directly from the US, UK, Canada, France and the Gulf. A BVN/KYC check sets your tiered receiving limits; a ₦50 EMT levy applies to inbound transfers of ₦10,000 or more.

Send from a specific country

🇬🇧United Kingdom→🇺🇸United States→🇦🇪UAE→🇨🇦Canada→

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)
How is the money credited to the wallet in Nigeria?+
On the Nigeria side, funds land via NIP (NIBSS Instant Payments), the instant interbank rail that credits OPay, PalmPay, Moniepoint and MTN MoMo PSB within seconds. NIP is what makes the 'in minutes' delivery genuinely instant once the sending app has converted to naira.
How much does it cost to cash out received money in Nigeria?+
Receiving is free, but moving the funds out has a cost that depends on the wallet: on OPay and PalmPay transfers and most withdrawals stay free, while MTN MoMo PSB charges small flat fees. Compare the real cash-out cost on the Nigeria fees page.
View domestic fees in Nigeria →