Send money from 🇺🇸 United States to 🇳🇬 Nigeria
To send $100 from United States to Nigeria, Wise has the lowest total cost we recorded: -0.46%, fees and exchange-rate margin combined, measured against the interbank rate. 5 providers compared below, each with its collection date.
Providers recorded
Rates collected automatically · latest reading November 4, 2026 at 8:08 PM
- BESTWise
You receive
NGN 135,230
- Fee
- $1.71
- Rate
- 1,375.83
- Total cost
- -0.46%
- likely a promotional offer
Choosepaid link
NGN 135,190
-NGN 40.33
Senddirect link — not affiliated
03InstaReM
Total cost 0.56% · Fee Free
NGN 133,847
-NGN 1,384
Senddirect link — not affiliated
04Xoom
Total cost 1.00% · Fee Free
NGN 133,264
-NGN 1,967
Senddirect link — not affiliated
Total cost 3.29% · Fee $3.99
NGN 130,185
-NGN 5,045
Senddirect link — not affiliated
| Provider | Rate | Fee | Total cost | You receive | |
|---|---|---|---|---|---|
BEST | 1,375.83 | $1.71 | -0.46% likely a promotional offer | NGN 135,230 | Choose paid link |
Remitly -NGN 40.33 vs best | 1,351.90 | Free | -0.45% likely a promotional offer | NGN 135,190 | Send direct link — not affiliated |
InstaReM -NGN 1,384 vs best | 1,338.47 | Free | 0.56% | NGN 133,847 | Send direct link — not affiliated |
Xoom -NGN 1,967 vs best | 1,332.64 | Free | 1.00% | NGN 133,264 | Send direct link — not affiliated |
Western Union -NGN 5,045 vs best | 1,355.95 | $3.99 | 3.29% | NGN 130,185 | Send direct link — not affiliated |
Quotes are collected for these exact amounts: fees do not scale the same way from one provider to another.
Why this ranking: details for the 5 providers
Wise
NGN 135,230 for $100 • -0.46% total cost
Below-zero cost: this quote's rate beat the interbank rate we recorded. This is usually a promotional offer (first transfer) — check the price on the provider's site.
What the figures show
- Lowest total cost recorded on this corridor
- Delivery stated in under an hour
- Mobile money payout available
Findings computed from the prices recorded on November 4, 2026 at 8:08 PM.
paid link
Remitly
NGN 135,190 for $100 • -0.45% total cost
Below-zero cost: this quote's rate beat the interbank rate we recorded. This is usually a promotional offer (first transfer) — check the price on the provider's site.
What the figures show
- No fee stated on this corridor
- Mobile money payout available
- Cash pickup available
- Delivery time not stated
Findings computed from the prices recorded on November 3, 2026 at 12:44 PM.
direct link — not affiliated
InstaReM
NGN 133,847 for $100 • 0.56% total cost
What the figures show
- No fee stated on this corridor
- Mobile money payout available
- Delivery time not stated
Findings computed from the prices recorded on November 4, 2026 at 6:22 PM.
direct link — not affiliated
Xoom
NGN 133,264 for $100 • 1.00% total cost
What the figures show
- No fee stated on this corridor
- Mobile money payout available
- Cash pickup available
- Delivery time not stated
Findings computed from the prices recorded on November 4, 2026 at 8:58 AM.
direct link — not affiliated
Western Union
NGN 130,185 for $100 • 3.29% total cost
What the figures show
- Mobile money payout available
- Cash pickup available
- Proportional fee: it rises with the amount
Findings computed from the prices recorded on November 4, 2026 at 8:08 PM.
direct link — not affiliated
Is this a good price? The official benchmark
On this corridor, sending USD 200 or the equivalent costs 2.72 % on average — fees and exchange-rate margin included, across all operators.
Our cheapest recorded offer is -0.46 %, which is 3.18 points below the corridor average.
Average: Banque mondiale — Remittance Prices Worldwide, 2025-Q3 survey. Check on the source's own site
Mid-market rate: 1 USD = 1,346.07 NGN — collected on November 4, 2026 at 8:09 PM, source open.er-api.com.
Provider quotes collected on November 3, 2026 at 12:44 PM.
Ranked by increasing total cost — 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, Catalogue de prix public Western Union, Calculateur public Remitly.
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.
Options for Nigeria
Mobile money available
Direct delivery to a mobile wallet (Paga, Opay): the recipient needs no bank account. Check on the provider's site which wallets are accepted.
Cash pickup
Available within minutes at Western Union and MoneyGram locations.
Banking access
63% of adults have an account, at a bank or with mobile money — World Bank, Findex 2025 · mobile money: Paga, Opay (widespread)
Tips for sending money from United States 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 — sometimes cheaper than a specialist, sometimes not.
- 3
Avoid sending at weekends: exchange rates are less favourable. Prefer business days for your transfers.
FAQ — Send money from United States to Nigeria
What is the best way to send money from United States 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 United States 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 United States 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 — 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.