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Send money from United States to Nigeria — best rates today
Live comparison of Wise, Remitly, WorldRemit, Xoom and Western Union. Updated daily from each provider's API.
Last updated 27 April 2026 · 06:00 UTC
Wise gives you NGN 13,003 more than the average for $1,000 today. Lock the rate before it moves.
Get this rateFull comparison
| Provider | Rate | Fee | Speed | You receive |
|---|---|---|---|---|
| Wise | 1564.98 | $1.29 | 1 hr | NGN 1,562,961 |
| Remitly | 1559.04 | $4.40 | 4 hrs | NGN 1,552,178 |
| WorldRemit | 1555.70 | $5.19 | Same day | NGN 1,547,630 |
| Western Union | 1558.48 | $8.34 | Minutes | NGN 1,545,481 |
| Xoom | 1547.31 | $3.73 | Minutes | NGN 1,541,537 |
How United States to Nigeria transfers work
Sending money from United States to Nigeria typically settles within a few hours through SWIFT or partner bank rails. Wise and Remitly publish the same mid-market rate the banks use; Xoom and Western Union mark it up by 1 to 3 percent and earn the spread.
For amounts above $3,000 you may need to provide additional ID under reporting rules. Deposits to most major banks clear instantly during banking hours. Cash pickup at agent locations is usually available within minutes.
Common questions
Which provider has the lowest fees for United States to Nigeria?
Remitly currently waives fees on first transfers. Wise has the lowest spread on the exchange rate, which usually beats fee-free providers above $200.
How long does the transfer take from United States to Nigeria?
Wise: about 1 hour for verified accounts. Remitly Express: 4 hours. WorldRemit: same day. Xoom and Western Union cash pickup: minutes.
What is the best USD to NGN rate right now?
The best rate right now is 1564.98 NGN per USD via Wise, with a fee of $1.29.
Are these rates guaranteed if I send now?
Most providers lock the rate when you confirm the transfer. Rates shown here are current as of 06:00 UTC and may shift slightly during the day.
Can I send money from United States to Nigeria using a credit card?
Most providers accept debit cards and bank transfers. Credit card funding is available on some providers but usually incurs an additional fee of 1-3%.