Send Money to Nigeria from United States
Compare live USD to NGN exchange rates, fees and transfer speeds from 8 providers. Updated multiple times daily.
Live USD → NGN rates
How to send money from United States to Nigeria
Nigeria is Africa's largest remittance recipient, receiving over $20 billion annually. The majority of inflows come from the UK, US, Europe, Canada, and Australia — making it one of the most competitive corridors for online money transfer. Multiple providers compete aggressively across all major sending currencies, which means comparing before you send can save your recipient a significant amount.
The Nigerian naira (NGN) is managed by the Central Bank of Nigeria. Exchange rate margins vary between providers due to differing FX sourcing strategies, so the amount your recipient gets can differ by thousands of naira even at the same send amount.
FAQ: Sending money from United States to Nigeria
What is the cheapest way to send money from United States to Nigeria?
Compare providers on Jara to find the best USD to NGN rate right now. The cheapest provider changes throughout the day as rates fluctuate.
How long does a transfer from United States to Nigeria take?
Most transfers arrive within 1–3 business days, though many providers offer same-day or instant options depending on the receiving method. Mobile money is typically fastest; bank transfers may take longer. Always check the provider's estimated delivery time before sending.
Are there limits on how much I can send?
Each provider has different limits depending on your verification level. Minimum transfers typically range from $1 to $250+. Maximum limits for verified accounts can be much higher. Always check the provider's current limits before initiating a large transfer.
Is it safe to send money through these providers?
All providers listed on Jara are authorised financial services providers in their operating jurisdictions. They use bank-level encryption and are required to safeguard customer funds. We recommend checking recent reviews before using any provider for the first time.
What is the best time to send money to Nigeria?
Exchange rates fluctuate throughout the day and week. Rates are often more favourable midweek (Tuesday–Thursday). Use Jara's live comparison to find the best rate at any moment — refreshing a few times before sending can make a real difference.
Exchange rates and fees shown are indicative and update multiple times daily. Always verify the final rate on the provider's website before completing a transfer. Jara earns affiliate commissions at no extra cost to you.