Send money to Nigeria from the USA through one of the trusted channels and your recipient will receive the funds in minutes with no stress.
Remitting funds from the United States to Nigeria to support families at home and handle investments is a necessity.
You have access to many international money transfer services that offer amazing rates to deliver the funds without you spending much.
These money transfer apps to Nigeria from the US and their websites are cheaper when compared to sending through any American banks and even, not stressful as you can conveniently handle the process in minutes online.
For your recipient to receive the sent funds, he has multiple channels to get the money including the cash pick-up option, peer to peer, or a dollar domiciliary account is required for direct to bank receipt.
Best Way Overall to Send Money to Nigeria
Remitly has one of the best rates, which means their dollar to naira conversion value will make your recipient receive a better rate when you send money to Nigeria from the USA using its platform.
This international money transfer provider has partnerships with more than 10 banks in Nigeria including Guaranty Trust Bank, Union Bank, Access Bank, United Bank for Africa, First Bank, Fidelity Bank, Polaris Bank, Ecobank, First City Monument Bank and Unity Bank.
Sending money to Nigeria from the USA using Remitly is easy, thanks to its intuitive web platform and mobile app through which you can see the final rate before you send and also tracks delivery on the go conveniently.
If you send directly to the dollar account, it takes no time to deliver, and for the cash pick-up option, withdrawal is available at the selected location immediately for the recipient to cash out after validation.
How to Send Money to Nigeria from the USA
Below is the best way you can send money to Nigeria from the USA conveniently:
Use Trusted Platforms and Apps to Send Money to Nigeria from the USA
Here below are platforms and apps to send money to Nigeria from the USA
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Remitly is one of the apps to send money from the US to anyone living in Nigeria.
It provides a seamless interface for providing the details needed to complete the remittance to the recipient.
With its convenience-free charge when you do your first transfer using Remitly, you save some money when you use it to send money to Nigeria from the USA.
Remitly provides two options to receive funds, your recipient can pick up the money from any of its partnering banks in Nigeria or through a dollar domiciliary account with any of its partnering financial institutions.
Kaoshi employs a model different from the apps to send money to Nigeria from the USA on this list.
It utilizes a marketplace pattern where senders can be matched with people who are in to complete the exchange process.
Take for instance when you are in the US and want to remit to Nigeria, you will have to log in to your Kaoshi account to see the listing from people in need of dollars and ready to pay naira in return.
Kaoshi plays an escrow role allowing you to get the naira transferred to your recipient before the USD is released to the sender.
It is a suitable option when you want to send money to someone who does not have a domiciliary account.
Western Union is another popular and one of the oldest platforms and apps to send money to Nigeria from the USA.
Using this international money transfer operator, you have the option to use its services through the website or its mobile app.
At some locations, if you do not want to create an account with Western Union, the operator has partnerships with leading financial institutions and SMEs that act as its agents through which you can still conveniently send money from the US to your recipient in Nigeria.
In terms of bank partnerships to receiving the sent funds in Nigeria, there are just First Bank, Access Bank and Guaranty Trust that the money can directly be paid into.
Small World is another remittance provider you can use to send money to Nigeria from the USA.
It has partnerships with leading banks in the country including United Bank for Africa, Union Bank, Polaris, Fidelity, Access, GTBank, Zenith, Ecobank and First Bank.
Similarly to using Remitly, your first remittance using Small World is convenience-fee free allowing you to test its service without spending extra as a fee.
Using this IMTO, you have the option to directly send to your recipient’s domiciliary account or select the cash pick-up option to get the funds delivered to a Small World partner of your choosing.
Send by Flutterwave
Send is a remittance product by Flutterwave, one of the largest financial houses in Africa.
It is an advanced built of its Barter application which you can also use to send money to Nigeria from the USA.
Using Send by Flutterwave is through its web platform which is intuitive with a seamless-flow design for easy usage.
The entire journey is online while using this platform to remit money, meaning payment is made online and the transfer is pushed to a domiciliary account residing at any of First Bank, First City Monument Bank, United Bank for Africa, Wema Bank, and Zenith Bank.
If you want the funds to directly be available in Naira, select the Barter delivery option which requires the recipient to own a Barter wallet account to be able to receive the money.
Moneygram is one of the oldest ways to send money to Nigeria from the United States.
You can use its remittance service directly on its web platform or download the mobile application from Google Play or iOS Store to access the features.
Being one of the IMTOs with the largest agent-partnership coverage, you can get your funds delivered to most banks and financial institutions in Nigeria when you send the money via Moneygram.
Just like many providers on this list, your recipient does not necessarily need to have a bank account to receive the money since you can opt for the cash pick-up option.
Sendcash mode of operation is unique when compared with the apps to send money to Nigeria from the USA on this list.
It allows you to remit directly to your recipient’s naira bank account, preventing the stress of opening a domiciliary account.
Using Sendcash, you can choose between paying with bitcoin or your card when doing a remittance to Nigeria, making it a good choice for anyone that has a cryptocurrency wallet.
And if you prefer sending from your US bank account, it also provides a virtual USD account in partnership with a bank in the United States through which your recipient can receive the sent funds.
Depending on which option meets your needs, USD to naira conversion on Sendcash happens in a few minutes.
Ria is another popular choice when it comes to the apps you can use to send money to Nigeria from the USA.
It also has a good path on its web and mobile applications that allows for seamless usage.
With its partnership with leading Nigerian banks that include GTBank, Union Bank, Access Bank, Polaris Bank, and First Bank amongst others, you have options to get the money delivered to your recipient’s bank account.
In case your recipient prefers the cash pick up option, Ria also supports that through any of its partnering financial institutions in Nigeria.
Sendwave is another good app to send money to Nigeria from the USA.
It is a mobile app only based platform hence, you will need to download its application from any of Google Play or iOS Appstore to use it.
Just as most of the international money transfer operators on this list of the best apps to send money to Nigeria from the USA, it allows for domiciliary account deposit as well as cash pick up.
In addition to these delivery options above, you can also send to your beneficiary’s naira account if the person does not have a USD account and the bank will automatically create a domiciliary account for him linked to the naira account you provided.
Chipper Cash is a household name when it comes to fintech apps in Nigeria.
Popular for its remittance service to and fro African countries, you can also use it to send money to Nigeria from the USA.
A uniquely positioned platform, it uses a mobile money approach in that it requires just a Chipper ID or the recipient’s mobile number for you to transfer the funds.
With this international money transfer operator, you and your recipient will need to both be registered on Chipper as it employs a peer to peer model and the transfer is fast since everything happens within its ecosystem.
The received funds can then be transferred to any bank account in Nigeria or used to purchase other value-added services like airtime, bills, stock and others available on Chipper.
Create an Account to Get Started
All the international money transfer apps to send money to Nigeria from the USA requires you to register an account before you will be allowed to remit the funds to your recipient.
This is needed especially with handling the know your customer processes by the provider, which is necessary to stay put to regulatory requirements.
Aside from its regulatory benefits to the providers, features such as the ability to save your beneficiary for easy reoccurrence remittance, transaction history to tracking of funds delivery are some of the addons you can enjoy when you have an account with one of the IMTOs.
Once Created, Select the Applicable Button to Send
Once you have created your account and the necessary validation passed, locate the needed button to access the remit money page, usually send on most of the IMTOs platforms.
This page will allow you to provide the information needed for the remittance to happen, details such as the recipient’s name and bank account information are collected here.
In some of the mobile apps and web platforms, you will also be required to provide additional information about you before a request can be submitted.
Enter Nigeria as the Receiving Country
Most of these apps to send money to Nigeria from the USA allows you to see the naira equivalence when remitting through them.
Once you select Nigeria as the receiving country while the USA is already selected as your sending location, there is an auto naira to dollar converter to give you an idea of the worth of the USD to be sent in your recipient’s currency.
The rate conversion differs per IMTO, while some offer good rates and others a bit lower, note that it fluctuates depending on economic factors.
Select the Delivery Option
The modes of delivery available are dependent on the app to send money to Nigeria from the USA you selected.
Most support direct remittance to domiciliary accounts hence, your recipient is required to own a dollar account for him to be able to receive the funds.
The other alternatives you can go for include that for cash pick up at any of the partnering banks of these apps to send money to Nigeria from the USA or as seen on others like Send by Flutterwave and Sendwave, you can still send directly to your recipient’s naira account and the IMTO will find a way to get the funds delivered to your beneficiary.
Review the Provided Information and Send
Reviewing the information you have provided will ensure no mistakes which will save your recipient the stress, especially with the cash pick up delivery option.
Details like first and last names, phone numbers and maybe national ID details should careful be reviewed as these are needed for the claim of the remitted funds.
Track Receipt via Email and/or Phone Number
Once you successfully submit a request, a unique reference is generated to identify the transaction.
If the mode of delivery selected is cash pick-up, you or the recipient will get a voucher or reference code which is required for money redemption at a partnering financial institution of the app to send money to Nigeria from the USA selected.
This code alongside valid ID cards or BVN are required and you should inform your beneficiary beforehand before visiting any of the cash pick-up locations.
Remitting funds home should not be a stressful adventure and it should be fast as possible especially when it is meant for an emergency.
With many apps to send money to Nigeria from the USA offering interesting rates and multiple delivery channels, choosing one that meets your expectations should be an easy decision.