🇺🇸 → 🇳🇬
Send Money from United States to Nigeria
You send in USD. The recipient receives on their mobile money wallet in Nigeria.
| # | App | Fee | Speed |
|---|---|---|---|
| 1 | 🌍WorldRemit | Flat fee | Minutes |
| 2 | 🍋LemFi | Free | Minutes |
| 3 | 📲TapTap Send | Free | Minutes |
| 4 | 💸Remitly | Flat fee | Minutes to 3 days |
| 5 | 🏦Western Union | FX | Minutes to 1 day |
How it works
1
Choose an app above2
Enter recipient's phone number3
Choose mobile wallet delivery4
Confirm - funds arrive in minutes⚠️ 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.
Other corridors to Nigeria
Frequently Asked Questions
How much does it cost to send from United States to Nigeria?+
Fees vary by app. Sendwave, LemFi, TapTap Send and NALA often offer zero-fee transfers (they earn on the FX rate). WorldRemit charges £0.99 to £3.99 depending on amount. Compare the apps in the table above.
How long does a United States to Nigeria transfer take?+
Most apps deliver in minutes to MTN MoMo PSB, OPay, PalmPay. Some economy options (Remitly Economy, Wise) take 1-3 business days for lower fees.
Which app offers the best exchange rate?+
Wise uses the mid-market interbank rate (closest to the real market rate). Sendwave, LemFi and TapTap Send also have very competitive rates. Always compare the final rate at the time of sending.
Do I need to create an account to send from United States?+
Yes, all apps require a verified account (photo ID + address). Verification typically takes 5-15 minutes. Once verified, subsequent sends are instant.