Send Money from USA to Nigeria: Compare Exchange Rates and Transfer Fees

Find the best ways to transfer money from USA to Nigeria by comparing exchange rates, transfer fees, delivery speeds, and trusted providers 

Currency IconUS Dollar USD
Currency IconUSD
Currency IconNaira NGN

FX Conversion Summary

Here’s a breakdown of your conversion using current exchange rates.

Conversion Details

Amount Converted$1,000
To CurrencyNGN
Rate SourceCBN official rate
Last Updated26 Feb 2026
Current Exchange Rate1 USD = 1359.82 NGN
Total Converted Value1,359,818.09

Sending money from USA to Nigeria is essential for thousands of Americans supporting family, paying for education, or handling business transactions.

Finding a reliable and affordable remittance service helps you get the best value when you transfer money to Nigeria.
When choosing how to send money to Nigeria from USA, consider exchange rates, transfer fees, delivery speed, and security. nairaCompare helps you compare top-rated money transfer services side-by-side so you can make informed decisions and find the cheapest way to send money from USA to Nigeria.

Why Trust nairaCompare?

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Licensed & Regulated

All money transfer providers on nairaCompare are licensed and regulated by the appropriate financial authorities.

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Bank-Level Encryption

We feature services that use bank level encryption to protect your transfers.

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International Compliance

Providers comply with international remittance regulations for transfers from the USA to Nigeria.

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How to Send Money from USA to Nigeria

Simple steps to transfer money safely and quickly. 
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Choose a Money Transfer Provider

Compare providers on nairaCompare to find the best rates and fees for your transfer. Look at exchange rates, transfer fees, delivery speed, and customer reviews when deciding how to send money to Nigeria from USA.

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Verify Your Identity

Create an account with your chosen provider and complete identity verification. You'll need a government-issued ID like a passport or driver's license. This one-time process is required by US regulations for international remittance services.

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Enter Transfer Details

Specify how much you want to send to Nigeria and enter your recipient's bank account details, including their name, bank name, and account number. Review the total cost and exchange rate before confirming your money transfer.

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Track Your Transfer

Submit your remittance and save the confirmation number. Most providers let you track your money transfer to Nigeria in real-time with updates via email or SMS when your recipient can access the funds.

FAQ’s Sending Money from USA to Nigeria 

We answered some questions, so you don't have to ask them

How to send money to Nigeria from USA?

Choose a money transfer provider, create an account, verify your identity, enter the recipient's details, select your payment method, and confirm the transfer. You can send money to Nigeria online through services like Wise, Remitly, Western Union, or WorldRemit. Compare rates and fees on nairaCompare to find the best option for your remittance.

How long does it take to send money from USA to Nigeria?

Transfer times vary by provider and payment method. Bank transfers typically take 1-3 business days when you send money from USA to Nigeria. Card-funded transfers can arrive within hours or the same day. Some services offer instant transfers to Nigeria for higher fees.

What is the cheapest way to send money from USA to Nigeria?

The cheapest way to send money from USA to Nigeria is typically through bank transfers with providers that offer rates close to the mid-market rate and low fees. Compare total costs on nairaCompare, including both transfer fees and exchange rate markups. Sending larger amounts less frequently also reduces overall costs.

How much does it cost to send money from USA to Nigeria?

Costs include transfer fees and exchange rate markups. Fees range from $0 to $50 or more depending on the provider, amount, and payment method when you send money to Nigeria from USA. Compare the total amount your recipient receives in Nigeria, not just the transfer fee, to find the best remittance value.

Can I send money to Nigeria online from USA?

Yes, you can send money to Nigeria online from USA through various remittance providers. Popular options include Wise, Remitly, Western Union, WorldRemit, and Sendwave. Create an account, verify your identity, enter recipient details, and fund your transfer online.

Is it safe to send money from USA to Nigeria?

Yes, when using licensed and regulated providers. All remittance services on nairaCompare use bank-level encryption, comply with US and international money transfer regulations, and are authorized to operate. Choose established providers with good reviews for safe transfers to Nigeria.

What information do I need to send money to Nigeria?

You need the recipient's full name as it appears on their ID, their bank account number, bank name, and sometimes their phone number. For your account, you'll need government-issued ID, proof of address, and payment details when you send money from USA to Nigeria.

Are there limits on how much money I can send to Nigeria from USA?

Yes, most providers have transaction limits. Minimums typically start at $10-$50, while maximums range from $2,000 to $10,000 per transfer when you send money from USA to Nigeria. Larger or frequent transfers may require additional verification to comply with US remittance regulations.

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