Send money from USA to Nigeria
Comparing 7 providers for 1,000 USD → NGN
✓All providers licensed and regulated
Wise
Fee $7.77 · Rate 1362.0000
NGN 1,351,417
your recipient gets
| Provider | Fee | Rate | Spread | Recipient gets† | Speed | Action |
|---|---|---|---|---|---|---|
WiseBest available Pay with: Bank transfer · Debit card · Credit card · Apple Pay · Google Pay | $7.77 | 1362.0000 | at mid | NGN 1,351,417.26 | — | Send now |
Receive via: Bank Transfer Pay with: Bank transfer · Debit card · Credit card · Apple Pay · Google Pay | $0.00 | 1347.1189 | 1.09% | NGN 1,347,118.90 | — | Send now |
Pay with: Debit card · Credit card · Bank transfer | $0.00 | 1346.8298 | 1.11% | NGN 1,346,829.77 | — | Send now |
Pay with: Debit card | $0.00 | 1346.0000 | 1.17% | NGN 1,346,000.00 | — | Send now |
Pay with: Debit card · Bank transfer | $0.00 | 1344.3449 | 1.30% | NGN 1,344,344.93 | — | Send now |
Receive via: Cash pickup · bank deposit · mobile wallet · more delivery options Pay with: Bank transfer · Debit card · Credit card · Apple Pay | $0.00 | 1339.8300 | 1.63% | NGN 1,339,830.00 | 22h | Send now |
Receive via: Cash pickup · Bank account Pay with: Bank transfer · Debit card · Credit card · Cash (agent) | $30.00 | 1341.1920 | 1.53% | NGN 1,300,956.24 | 1 day | Send now |
Delivery & payment details
Pay with: Bank transfer · Debit card · Credit card · Apple Pay · Google Pay
Delivery & payment details
Receive via: Bank Transfer
Pay with: Bank transfer · Debit card · Credit card · Apple Pay · Google Pay
Delivery & payment details
Pay with: Debit card · Credit card · Bank transfer
Delivery & payment details
Pay with: Debit card
Delivery & payment details
Pay with: Debit card · Bank transfer
Delivery & payment details
Receive via: Cash pickup · bank deposit · mobile wallet · more delivery options
Pay with: Bank transfer · Debit card · Credit card · Apple Pay
Delivery & payment details
Receive via: Cash pickup · Bank account
Pay with: Bank transfer · Debit card · Credit card · Cash (agent)
Updated October 15, 2026 at 08:35 AM UTC
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What we've measured on USD → NGN
Across 44 days of our own recorded quotes, the gap between the best and worst provider on this corridor has run at a median of 3.9% (widest single day: 4.8%). On a 1,000 USD transfer that is the difference between the best and worst choice.
The best provider has changed 14 times in that window, across 4 different providers (TapTap Send has led on the most days). This corridor is genuinely competitive, so the cheapest option today may not be the cheapest next week.
Provider rates on this corridor are measured against Wise's published mid-market rate. No central bank publishes a rate for NGN, so the yardstick here comes from Wise — which we also rank, and which therefore sits exactly at the reference by definition. We disclose this rather than hide it.
Recipients in Nigeria can be paid via a bank account, cash pickup and a mobile wallet, based on what the providers above actually price for this corridor.
Figures come from our own append-only rate history, not from provider marketing. See the methodology and rate trends.
USD to NGN — Frequently asked questions
What is the cheapest way to send USD to NGN?
Wise currently offers the best value for USD → NGN, delivering 1,351,417 NGN for 1,000 USD. We rank by the total amount received after fees and exchange-rate markup, updated every 4 hours. Note that the lead has changed 14 times in the last 44 days across 4 providers, so today's winner is not a permanent answer — check before each transfer.
What is the current USD to NGN exchange rate?
The best available rate is 1 USD = 1362.00 NGN via Wise. The reference (mid-market) rate is 1362.00, taken from Wise's published mid-market rate. Across 44 days of our own records, the spread between the best and worst provider on this corridor has run at a median of 3.9%. Rates are updated every 4 hours. Always confirm the final rate on the provider's site before sending.
Are there hidden fees when sending USD to NGN?
On this corridor the two costs split roughly 0.54% in visible fees and 1.12% in exchange-rate markup, averaged over the 7 providers here that publish a fee — so the markup is the larger part, about 67% of what you pay. 5 of them charge no fee at all on this corridor, which is exactly why fee alone is a poor guide. We rank by the amount your recipient actually receives, which captures both. Learn how fees work →
Can I send USD to a mobile wallet in Nigeria?
Yes. Several providers on this page pay out to MoMo in Nigeria. Choose your wallet as the delivery method at checkout on the provider's site — the recipient gets the money directly in their mobile-wallet balance, usually within minutes. Rankings above already account for the fee and exchange-rate markup, so the best value applies to wallet payout too.