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Best Ways to Send Money to Nigeria from the US

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  • Post last modified:24.04.2022

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

Remitly

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Minutes

 

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

Remitly

Remitly

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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.

 

How to Use Remitly
How to Send Money to Nigeria from the US Using Remitly

You have two models through which the recipients can receive the sent funds in Nigeria and below are the steps that apply to both:

  1. Domiciliary Account
    1. Once you have created an account and logged in, select the send money button
    2. You will have a page for filling in the transfer information. Enter the value to be sent and you will see the naira equivalence, after which you will select the bank deposit option
    3. Select the delivery institution from any of GTBank, First Bank, Access Bank, Polaris Bank, Fidelity Bank, Ecobank, UBA, and others after which you can proceed
    4. The next step will demand you provide the account number in the NUBAN field (only dollar/domiciliary account) and fill in the recipient’s first and last name as it matches the bank account number provided before
    5. Provide other information required and proceed to the sender details page to fill in your own information or the sending person if you are not the one sending the money
    6. Once you have filled in all information required, proceed to review your request, send and authenticate for your money to be sent to the provided Nigerian USD account
  2. For cash pick up, the process is similar to that of bank deposit except that you will select cash pick-up in the delivery option:
    1. Select the group of financial institutions that has your recipient’s most preferred bank
    2. On the page for recipient details, make sure to provide his correct name as it matches a valid identification card like national ID, driving license, international passport, or voters card.
    3. Then proceed to fill in your information or that of the sendee after which you can push the request by providing the required authentication.
    4. For cash pick up, the recipient needs a reference number which can be sent by Remitly if you check the text message to the recipient box or you can directly forward it to the receiver.

Kaoshi

Kaoshi

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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.

 

How to Use Kaoshi
How to Send Money to Nigeria from the US Using Kaoshi

The following processes are involved while trading currencies on Kaoshi Network:

  1. Create an account and log in to access the features
  2. Since it operates as a network, your recipient will need to also create an account and set up his profile with his fund receiving account information
  3. Go to your beneficiary list and add the person you intend to send the money to. You will need any of his Kaoshi ID, email, or phone number
  4. Once you have added the person as a beneficiary, go to the listing page to see the offers
  5. Select an offer that meets your requirements and request
  6. You will be given information regarding the trade; the account number you are to send the USD to and the preferred channel
  7. Once you have sent the funds, the naira equivalence will be released to the recipient information you provided

Western Union

Western Union

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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.

 

How to Use Western Union
How to Send Money to Nigeria from the US Using Western Union

Western Union also has two channels through which your beneficiary can receive the sent money, cash pick-up and online transfer:

    1. Once you have registered and signed in, select the send money option and choose Nigeria
    2. You will then see a page to provide the transfer information. Fill in the amount to be sent and you will see the naira value, after which you will select the bank account option
    3. You will also need to select how you want to pay for the transaction which can be online or get a unique code you can take to a Western Union agent (pay in-store) to complete the process
    4. On the next page, you will then select the receiving bank’s information, available from any of Access Bank, First Bank and Guaranty Trust 
    5. Provide other information required and proceed to the sender details page to fill in your own information or the sending person if you are not the one sending the money
    6. Once you have provided the information required, continue to the next page to review the provided information to avoid any mistakes, send once you are satisfied with everything

 

Small World

Small World

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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.

 

How to Use Small World
How to Send Money to Nigeria from the US Using Small World

Just as others, you have the option to directly send the money to a USD bank account in Nigeria or go with the alternative of cash pick-up at a Small World agent location:

    1. Once you have registered and signed in, select the send money option and choose Nigeria
    2. You will then see fields to provide the transfer details. Fill in the value you want to send to Nigeria to see its worth in naira, after which you will select the bank account option
    3. Transfer request payment is made online, making it different from some of the other IMTOs that have the option of paying at an agent location
    4. Provide other information needed and continue to the sender details page to fill in your own information or the sending person if you are assisting someone to remit funds to Nigeria
    5. After providing the information required, continue to the next page to review the provided information to avoid any mistakes, send once you are satisfied with the details provided

 

Send by Flutterwave

Send by FLW

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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.

 

How to Use Send by Flutterwave
How to Send Money to Nigeria from the US Using Send by Flutterwave

There are two channels through which the recipients can receive the sent funds in Nigeria when you send the money through Send by Flutterwave:

  1. Domiciliary Account
    1. You have the option to send to your beneficiary’s USD account residing at any of its partnering banks including First Bank, First City Monument Bank, United Bank for Africa, Wema Bank, and Zenith Bank
    2. Provide the account information and the correct information as valid on a recognised national identification asset
  2. Barter:
    1. This receiving option requires your recipient to own a Barter wallet account
    2. Your recipient will provide his Barter ID that you will use at the point of filling in the required information
    3. Validate the account ID by ensuring the auto-name displayed matches your recipient’s name
    4. Once confirmed, review and finally submit the request to deliver the funds to the receiver

Moneygram

Moneygram

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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.

 

How to Use Moneygram
How to Send Money to Nigeria from the US Using Moneygram

There are two ways as well for the funds to be received when you send via Moneygram:

  1. Domiciliary Account
    1. Once you have registered your account and are logged in, select the send money button
    2. You will then have a page for filling in the remittance details. Enter the value you want to send to see the naira equivalence, after which you will select the bank deposit option
    3. Select the delivery financial institution from any of GTBank, First Bank, Access Bank, Polaris Bank, Fidelity Bank, Ecobank, UBA, and others after which you can proceed
    4. Make sure to provide other information required and proceed to the sender details page to fill in your own information or the sending person if you are not the one sending the money
    5. Once you have filled in all information needed, continue to review your request, send and authenticate for your money to be sent to the provided Nigerian USD account
  2. For cash pick up, the process is akin to that of direct bank payment, only that you will select cash pick-up in the delivery option:
    1. Select from the list of financial institutions, your recipient’s most preferred pick-up centre
    2. On the page for recipient details, make sure to provide his correct name as it matches a valid identification asset like the national ID, driving license, international passport, or voters card.
    3. After then, continue to fill in your information or that of the sendee after which you can send the money to be available for pick-up at your chosen financial institution’s location

Sendcash

Sendcash

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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.

 

How to Use Sendcash
How to Send Money to Nigeria from the US Using Sendcash

There are two ways through which the beneficiary can receive the sent funds in Nigeria through Sendcash and below are the steps that apply to each:

  1. Direct Naira Account
    1. Once you have created a Sendcash account and logged in, enter the value you want to be remitted
    2. After entering the value, click the send button
    3. On the recipient page, you need to select the new button to add the beneficiary’s information or select it if already added
    4. Once you select the beneficiary name, click the continue button to proceed to the account page
    5. Add or select the naira bank account information of the person that will receive the funds and continue to the payment page
    6. On the payment page, you will have the option to pay using channels that include Bitcoin, Card and others
    7. Choose which is your preferred payment method and pay to complete the transaction
    8. Once your payment is successful, your recipient will get the funds to the naira bank account you provided
  2. US bank account option:
    1. Sendcash also provides a virtual US bank account through which your recipient can receive his funds
    2. This method does not require you to create a Sendcash account but your recipient needs an account
    3. Tell your recipient to provide the virtual bank account created for him by clicking his Sendcash setting, then virtual account to locate it
    4. Once you receive it, you can directly send funds to it from your US bank account and your recipient will receive it in his Sendcash wallet which can later be converted to naira

Ria

Ria

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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.

 

How to Use Ria
How to Send Money to Nigeria from the US Using Ria

You have two methods through which the beneficiary can receive the sent funds in Nigeria and below are the processes involved:

  1. Domiciliary Account
    1. Create your account by clicking the register button on Ria’s website or mobile app
    2. Once you have completed the signup process, start the send money process by selecting the send-to country as Nigeria
    3. You will then have to provide the value to be sent to get its naira equivalence
    4. Proceed to fill in your information and that of the recipient and select the partnering institution where the receiver has a domiciliary bank account with
    5. Review all information provided and submit the request to process the payment and remittance to the beneficiary
  2. Ria also supports the cash pick up option akin to many of the IMTOs on this list:
    1. While doing the processes, select the cash pick up option
    2. You will have to select the pick-up location which must be one of its partners. Choose the most preferred by your beneficiary
    3. Once you have provided the necessary information including yours, click the send button to complete the request
    4. For cash pick up just like others with this option, the recipient will need to provide a reference number at the point of cash-out alongside his valid ID.

Sendwave

Sendwave

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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.

 

How to Use Sendwave
How to Send Money to Nigeria from the US Using Sendwave

You have three ways through which you can send the money to your recipient in Nigeria using Sendwave which include:

  1. Domiciliary Account
    1. Once you have created an account and logged in, select the add recipient button to provide your beneficiary’s information
    2. Click the USD bank account option and fill in their domiciliary account details
    3. Once you have given the required information, click the send button to process payment and complete the request
  2. For cash pick up, Sendwave allows delivery to its partnering financial institutions’ locations that include Access, Zenith and Fidelity Bank:
    1. Select the cash pick up option on its mobile app
    2. Provide your recipient’s information, making sure the name matches what is there on his valid id card
    3. After then, fill in the amount you want to send to get its naira equivalence
    4. Continue to review the provided information and send it once you are fully sure of what you have filled
    5. Once sent, a voucher code is delivered to the recipient’s mobile number you provided which can be used to redeem the funds at any of Access, Zenith or Fidelity Bank.
  3. Direct Send to Naira Account
    1. In the step for the beneficiary account, simply select the naira account
    2. Provide the necessary information for you and the recipient
    3. Review your filled details and submit the request
    4. Once the money is sent, the receiving bank will create a domiciliary account linked to the naira account you provided where the sent funds will be settled

Chipper

Chipper Cash

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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.

 

How to Use Chipper Cash
How to Send Money to Nigeria from the US Using Chipper Cash

You can transfer money to Nigeria using Chipper through the following steps:

    1. You first need to set up an account, likewise your recipient
    2. Click the send button on the mobile app to locate the contact page
    3. You can select your recipient from your phonebook or simply enter his Chipper ID
    4. You will then proceed to the amount page and the reason for remittance which is optional
    5. Confirm the request and authenticate for the transfer to be processed
    6. Once your recipient receives the money, he can then send it to his preferred bank account in Nigeria

 

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.

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