Send money from ๐ฉ๐ช Germany to ๐ณ๐ฌ Nigeria
We recorded quotes from 4 providers for transfers from Germany to Nigeria.
To send โฌ100 from Germany to Nigeria, Remitly has the lowest total cost we recorded: -0.37%, fees and exchange-rate margin combined, measured against the interbank rate. 4 providers compared below, each with its collection date.
Lowest total cost
Remitly
-0.37% on โฌ500
Fastest
Wise
under an hour
Providers recorded
4
on this corridor
Options for Nigeria
Mobile money available
Direct transfer to Orange Money, Wave, M-Pesa. No bank account needed for the recipient.
Cash pickup
Available within minutes at Western Union and MoneyGram locations.
Banking access
45% of adults have a bank account ยท mobile money: Paga, Opay (widespread)
Compare prices for Germany โ Nigeria
Compare the 4 recorded quotes side by side, at several amounts.
View offersProviders recorded
Remitly
NGNย 783,090 for โฌ500 โข -0.37% total cost
What the figures show
- No fee stated on this corridor
- Lowest total cost recorded on this corridor
- Mobile money payout available
- Cash pickup available
- Delivery time not stated
Findings computed from the prices recorded on September 19, 2026 at 8:08 PM.
direct link โ not affiliated
Wise
NGNย 154,922 for โฌ100 โข 0.72% total cost
What the figures show
- Delivery stated in under an hour
- Mobile money payout available
Findings computed from the prices recorded on September 19, 2026 at 8:08 PM.
paid link
Western Union
NGNย 154,176 for โฌ100 โข 1.20% total cost
What the figures show
- Exchange rate in line with the interbank rate
- Mobile money payout available
- Cash pickup available
Findings computed from the prices recorded on September 19, 2026 at 8:08 PM.
direct link โ not affiliated
InstaReM
NGNย 151,616 for โฌ100 โข 2.84% total cost
What the figures show
- No fee stated on this corridor
- Mobile money payout available
- 2.8% margin applied to the exchange rate
- Delivery time not stated
Findings computed from the prices recorded on September 19, 2026 at 7:31 PM.
direct link โ not affiliated
Detail by amount sent
Quotes are collected for these exact amounts: fees do not scale the same way from one provider to another.
| Provider | Rate | Fee | You receive | |
|---|---|---|---|---|
BEST | 1,576.33 | โฌ1.72 | NGNย 154,922 | Choose paid link |
Western Union -NGNย 746 vs best | 1,557.17 | โฌ0.9900 | NGNย 154,176 | Send direct link โ not affiliated |
InstaReM -NGNย 3,306 vs best | 1,516.16 | Free | NGNย 151,616 | Send direct link โ not affiliated |
Best deal
Wise
Is this a good price? The official benchmark
On this corridor, sending USD 200 or the equivalent costs 2.85 % on average โ fees and exchange-rate margin included, across all operators.
Our cheapest recorded offer is -0.37 %, which is 3.22 points below the corridor average.
Average: Banque mondiale โ Remittance Prices Worldwide, 2025-Q3 survey. Check on the source's own site
Mid-market rate: 1 EUR = 1,560.47 NGN โ collected on September 19, 2026 at 8:09 PM, source open.er-api.com.
Provider quotes collected on September 19, 2026 at 7:31 PM.
Ranked by increasing total cost โ fees and exchange-rate margin combined, measured against the mid-market rate. Affiliate revenue plays no part in this ranking.
Sources of the quotes on this page: API de comparaison publique de Wise, Calculateur public Remitly, Catalogue de prix public Western Union.
Remitly, WorldRemit and Western Union are collected directly from their own calculators; the other providers come from the public comparison interface published by Wise. Wise appears in this comparison and is the only provider we earn a commission from.
Check the final price with the provider before sending: a quote may have changed since we collected it.
Tips for sending money from Germany to Nigeria
- 1
Use mobile money: to Nigeria, money can be delivered straight to Paga, Opay. A mobile wallet works without a bank account.
- 2
Compare the margin on the exchange rate, not just the stated fees: that is where most of the cost sits. On the corridors we record, the best bank ranges from 0.6% to 5.2% of the amount sent โ sometimes cheaper than a specialist, sometimes not.
- 3
Cash pickup: Nigeria has limited banking access (45% of adults have a bank account). Collecting cash at a branch is often the surest way to be paid โ check the service's agent network before sending.
- 4
Avoid sending at weekends: exchange rates are less favourable. Prefer business days for your transfers.
FAQ โ Send money from Germany to Nigeria
What is the best way to send money from Germany to Nigeria?
The best method depends on the amount and the speed you need. Wise is generally cheapest for bank transfers. WorldRemit and Remitly send directly to mobile money. Western Union and MoneyGram suit cash pickup within minutes. Compare the recorded rates in the table above.
How long does it take to send money from Germany to Nigeria?
Delivery times differ by provider and by payout method. When a provider states an estimate, we show it in the table; when it states none, we say so rather than guess.
What are the fees for a transfer from Germany to Nigeria?
The total cost combines the stated fee and the margin applied to the exchange rate. It varies by corridor, by provider and by amount โ which is why we record a quote for several amounts rather than quoting a single figure. The table above shows the recorded cost for this corridor, with its collection date.
Can I send money directly to a mobile phone in Nigeria?
Yes. Nigeria has a well-developed mobile money network. WorldRemit and Remitly send directly to the country's mobile wallets.
Beware of scams
TransfertCompare is an independent comparison site. We will never contact you by phone, email or SMS asking for money or personal information. Beware of offers that seem too good to be true. Only use providers listed on our site, and always check you are on the provider's official website before making a transfer.