Best Apps to Send Money to Nigeria from Abroad

Best Apps to Send Money to Nigeria from Abroad

Send Money to Nigeria from Abroad

Not too long ago, it was typically challenging to send money to Nigeria. People had to rely on platforms like Western Union, which came with high fees and the need to visit a bank multiple times.

In today’s digital age, sending money across borders has become more convenient thanks to the internet and smartphones. With the rise of fintech (financial technology) and the adoption of cryptocurrencies, sending money internationally has become easier in many places.   

In this article, we will:  

– Compare the leading money transfer apps for sending remittances to Nigeria internationally.  

– Analyze each app’s fees, exchange rates, speed, and ease of use when sending money to Nigeria.  

– Recommend the best and most affordable apps for transfers to Nigeria from different countries.  

15 Best Apps to Send Money to Nigeria from Abroad

1. Lemfi (formerly Lemonade Finance)

LemFi, a fintech firm, provides digital remittance services aimed at empowering African diaspora and immigrant populations around the world. The company prides itself on a fee-free system, devoid of any monthly charges, subscription fees, minimum balance requirements, or foreign transaction costs. 

People who use LemFi have confirmed the remarkably swift transfers the platform offers. Its remittance service is exceptionally efficient, ensuring that recipients receive their funds almost instantly. This app is supported in the United States, Nigeria, Canada, and the United Kingdom. 


  • Multi-Currency Capability: LemFi allows users to sign up and utilize its multi-currency feature, enabling them to send, receive, store, convert, and save money in the currencies of both their home country and their current country of residence. 
  • Swift Global Transfers: LemFi provides rapid international money transfers at competitive exchange rates, all while waiving fees for both transfers and account maintenance. 
  • Accessible and Transparent Financial Solutions: LemFi is dedicated to providing accessible and transparent financial services to migrant communities worldwide. 

How to Use Lemfi  

  • Download the LemFi app on your Android or iPhone mobile device and sign up for free.  
  • Verify your identity and add money to your LemFi account by topping up via your card or bank account.  
  • Choose your destination country and currency.  
  • Enter your recipient’s details and approve the payment instructions.  

2. Grey

Grey is a Nigerian fintech company that provides cross-border payment services and virtual international bank accounts to African freelancers, remote workers, and micro and small businesses. Although Grey. co targets freelancers and digital nomads, it is still a perfect option for remittances.  

The app allows freelancers to send payments, receive payments, and convert to local currency, all within the app, thanks to its 24/7 transaction service that lets you track each transaction. Furthermore, it offers specific services for individuals and businesses, allowing tailored services to suit your transaction needs. The app is useful in these countries: Nigeria, Kenya, Tanzania, the United States, and Europe.  


  • Overseas Accounts: You can acquire complimentary virtual accounts in multiple currencies, including Dollar, Pound, Euro, and more, for receiving payments. 
  • Online Fund Transfers: You can effortlessly send money from Africa to the UK and various European nations through our platform. 
  • Currency Conversion: You can accept payments from anywhere and convert them into your local or other desired currencies. 
  • Virtual Payment Cards: With our virtual cards, you can shop and pay for your online expenses worldwide. 

How to Use Grey  

  • Sign up online or in our app with your email address. 
  • Complete KYC verification: Verify your identity using your government-issued ID.  
  • Get your virtual account: Share your account details to get paid or spend around the world with your debit card.   

3. Boss Revolution  

Boss Revolution is a fintech firm that provides various financial services, such as online money transfers, mobile airtime top-ups, and virtual international bank accounts. With Boss Revolution, you can securely send money to your loved ones. Your initial transfer of up to $300 is free. 

The platform supports payouts from various locations globally, including banks, mobile wallets, and retail stores. While the app is primarily designed for sending and receiving money and doesn’t support online payments like PayPal, it remains a trustworthy choice for remittance services. The app is supported in the United States, Canada, the United Kingdom, and Australia.  


  • Cash Transfer Convenience: With Boss Revolution, you can securely and cost-effectively transfer money online. You can send funds directly to a bank account or mobile wallet within minutes, opt for cash pickup at designated locations, or even arrange for home delivery. 
  • Mobile Airtime Reloads: It simplifies mobile airtime top-ups, enabling users to effortlessly recharge mobile phones on over 270 carriers spanning 102 countries, all with just a few simple clicks. 
  • Global Banking Solutions: It provides the convenience of virtual international bank accounts, empowering users to receive and convert money in various currencies. 

How to Use Boss Revolution  

Here’s how you can use the Boss Revolution app:   

  • Sign up on and send a money transfer online or do it via the app.  
  • Another way is to do it at a participating Boss Revolution retail store.  

4. Geegpay

Geegpay offers virtual cards and accounts that effectively reduce global transfer fees. This feature is especially valuable for freelancers, as it simplifies the process of sending recurring payments like school fees, rent, and other remittances. 

It stands out for its speed, security, and trustworthiness, boasting a user base of over 200,000 satisfied customers across Africa. Moreover, Geegpay introduces an easy and cost-free way to send and receive money among friends and family using the Geegpay tag or email feature. 

Additionally, Geegpay supports a versatile multi-withdrawal system, allowing you to withdraw funds to banks and mobile money services in more than 100 countries and platforms like PayPal, Payoneer, Wise, and Revolut. It’s accessible in countries including the United States, the United Kingdom, and various parts of Europe. 


  • Set Up Multiple Currency Wallets: Geegpay’s app lets you effortlessly oversee several currency accounts, making managing your finances a breeze. 
  • Virtual Card Creation: Say goodbye to unnecessary expenses and payment delays from your employer by easily creating personalized foreign bank accounts. Start receiving payments like a seasoned pro. 
  • Invoice Generation: Simplify your financial tasks by generating monthly or weekly invoices, allowing you to concentrate on your priorities. Keep a well-organized record of your paid and outstanding invoices for future reference. 

How to Use Geegpay

  • Sign up with your legal name, set up a strong password, and confirm the email verification code.  
  • Complete details such as your profile, bank, employment, and identity verification. 
  • Create your bank accounts & debit cards. At this stage, you are on your way to getting paid hassle-free.  

5. Payoneer

Payoneer is the leading cross-border payment platform for businesses, making it one of the best options for remittance payments. With Payoneer, you can send money in popular global currencies like USD, EUR, GBP, JPY, CAD, AUD, and more via Payoneer receiving accounts.  

Recipients in over 150 countries can withdraw funds directly to their local bank accounts or from an ATM using the Payoneer card. With the Payoneer account, you can also purchase online and in stores. They offer a $50 bonus upon receiving payments of $1000.  


  • Multi-Currency Banking: Payoneer offers a versatile banking solution for businesses. It allows you to handle payments globally, supporting over 70 currencies, and is accessible in more than 190 countries. 
  • E-commerce Payment Solutions: For e-commerce sellers and online merchants, Payoneer has a user-friendly payment platform to grow your international online business. 
  • Marketplace Payout Solutions: Payoneer offers a handy payout solution if you’re using online marketplaces. It helps you manage expenses, get physical or virtual Payoneer cards, and receive payments from anywhere. 
  • Global Business Payment Accounts: For international businesses, Payoneer provides payment accounts to receive payments from clients and marketplaces, pay suppliers, access working capital, and more. 

How to Use Payoneer   

  • Create an account: Sign up with your legal name, set up a strong password, and confirm the email verification code.  
  • Verify your account: Complete details such as your profile, bank, employment, and identity verification. 
  • Create your bank accounts & debit cards: At this stage, you are on your way to getting paid hassle-free.  

6. Sendwave   

Founded in 2014, Sendwave lets you send money with love through its seamless and safe transfer service. With Sendwave, users can link their debit cards, complete identity verification, and conveniently transfer funds directly to recipients in Nigeria, whether it’s to their mobile phones or bank accounts. It simplifies the remittance process, making it an invaluable tool for you to support your loved ones back home.  


  • Money Transfer: Sendwave simplifies international money transfers through its mobile app. Users can connect their debit cards, verify their identity, and send money to their loved ones within minutes. 
  • Sendwave Pay: For selected Sendwave customers in the United States, Sendwave offers a banking product called Sendwave Pay. This grants existing Sendwave users access to an FDIC-insured bank account with a debit card. 
  • Competitive Exchange Rates: Sendwave provides competitive foreign exchange rates, allowing users to send money at the mid-market rate without hidden fees. 
  • Mobile Airtime Top-Ups: Sendwave also enables users to send mobile airtime to friends and family in over 140 countries, making it convenient to keep loved ones connected. 

How to use Sendwave  

  • Download the app  
  • Link your debit card  
  • Verify your identity.  
  • Quickly transfer money to your friends and loved ones.  

7. Western Union

Western Union offers quick and easy transfers to friends and family worldwide, including those in Nigeria. Your loved ones can receive funds directly into their bank account or mobile wallet, or they can conveniently pick up cash at a nearby location in their currency.  

Whether you choose debit/credit card payments or cash transactions at agent locations, you’ll have instant access to exchange rates as soon as you enter an amount.  


  • Money Transfer Worldwide: Western Union offers money transfer services to virtually every country, except Iran and North Korea. Users can send and receive money using Western Union’s extensive telegraph network, digital platform, and a vast retail network of over 500,000 Agent locations. 
  • Convenient Bill Payments: Western Union provides a hassle-free bill payment service, allowing users to settle their bills quickly and conveniently. Payments can be made online, in person, or through the Western Union app 
  • Prepaid Cards: Western Union offers prepaid cards that enable users to load money onto a card and use it for purchases or cash withdrawals, adding flexibility to their finances. 
  • Global Remittance Solutions: Western Union extends remittance services to individuals, educational and financial institutions, NGOs, and legal and healthcare sectors. Users can send and receive money globally, connecting with over 200 countries and territories. 

How to use Western Union 

  • Sign up on the Western Union website or download the app. 
  • Select ‘Send Money,’ and pick the destination and amount. 
  • Choose how the receiver gets the money (cash, bank, mobile). 
  • Pay with your card or bank account. 
  • Get a confirmation email or tracking number (MTCN). 
  • Share the MTCN with the receiver for quick pickup or bank transfer.   

8. Remitly

Remitly is another good option if you’d like to send money to Nigeria. It has no hidden fees and allows for cash pickup and bank deposits directly to supported Nigerian banks.   

The fees are relatively high, and transactions seem to range from a few minutes to a few business days, but with its promised 24/7 customer care, Remitly is a formidable force in the remittance payment space.   


  • Money transfer: Remitly offers fast and secure money transfer services to its users, with delivery options such as bank account, mobile wallet, or cash pickup, depending on the destination country 
  • Payment purposes: Remitly allows users to transfer money for various purposes, such as house payments, rent, utility bills, medical expenses, weddings, funerals, travel costs, education and tuition assistance, gifts, and saving 
  • Economy and Express services: Remitly has two services: Economy, which takes 3-5 days with lower fees, and Express, which is instant but has higher fees.  

How to use Remitly 

  • Create an account  
  • Enter an amount  
  • Choose a delivery method  
  • Enter your recipient’s information  
  • Enter your recipient’s information.   

9. iLeero Remit  

Ileero promises to be the most affordable way to send money to Africa and Asia. It currently only offers transfers from the UK but hopes to become a multi-currency account that assists millions of individuals and businesses manage their money worldwide. This app is allowed in the following countries: Africa, Asia, South America, and the United KIngdom.  


  • Multi-Currency Account: This app assists millions of individuals and businesses in effectively handling their finances globally. 
  • International Money Transfer: The app provides a cost-effective, equitable, and straightforward solution for international money transfers. 
  • Best Exchange Rates: Benefit from the app’s competitive exchange rates to get the most value from your currency conversions.  

How to Use Ileero

  • Download the Ileero Remit app from the Google Play Store or Apple Store.  
  • Open the app, enter your email address, create a password, log in, and complete verification to enable transfers.  
  • Verify your account using facial recognition and an approved form of ID. Accounts are verified through Shuftipro. You will be registered once you have successfully completed and passed the verification process.   

10. Eversend   

Eversend is a multi-currency e-wallet that allows you to exchange, spend, and send money at the best possible rates. It offers instant money transfers to mobile money and free transfers to Eversend accounts, anytime and from anywhere in the world, with 24/7 support.  

Eversend also provides business accounts, offering multi-currency business payments to fuel your global growth. This includes collections, payouts, currency exchange, and working capital.  


  • Effortless Mobile Cross-Border Payments: Eversend simplifies cross-border payments through its mobile platform, ensuring secure and convenient money transfers across borders. 
  • Virtual Payment Cards: Eversend issues virtual cards, enabling users to seamlessly make USD payments and settle bills online. 
  • Multi-Currency Wallet: Eversend features a multi-currency wallet, facilitating the storage, sending, and receiving of funds in various currencies. 
  • Streamlined Bill Payments: Eversend streamlines bill payments, allowing users to conveniently settle their bills online, in person, or via the Eversend app. 
  • Crypto and Stock Trading: Eversend also provides services for crypto and stock trading, enabling users to invest in digital assets and stocks. 
  • Asset-Backed Financing: Eversend offers asset-backed credit services, granting users access to working capital to support business growth. 

How to Use Eversend

  • Download the Eversend app: Download the Eversend mobile app for your Android or iOS device.  
  • Complete KYC: Complete KYC verifications within the app.  
  • Start transacting: Begin sending and receiving money from friends and family.  

11. Sendcash  

Sendcash enables Nigerians residing in Nigeria to receive money from anywhere worldwide, offering support for crypto payments in BTC or USDC at no additional cost, with funds directly deposited into local Nigerian bank accounts.

Fees are determined by the chosen payment method; sending funds via crypto is fee-free, whereas receiving through wire transfers incurs a 1% fee based on the transferred amount.

The daily maximum limit for transactions is $2,500, although you can request an increase in this limit by contacting the company via email. 


  • USD & GBP Virtual Accounts: You can easily receive wire/bank transfers from the US, UK, and other countries. 
  • Crypto Payments: You can transfer money to Nigeria with BTC or USDT without fees. 
  • Sendcash Wallet: You can top up your wallet through wire transfers and make direct payments to any Nigerian account. 
  • CashApp: You can send Bitcoin to Sendcash from Cashapp for added convenience. 

How to use Sendcash

  • Create an account or use guest mode: You can create an account to access features like tracking your transactions, saving beneficiaries, and wire transfers.  
  • Enter the amount you want to send and your recipient’s details: You can send up to $2,500 daily.  
  • Choose your payment method and complete your transaction.  
  • Voila! Your recipient’s Naira bank account will be credited within minutes. 
  • Start transacting: Send and receive money from friends and family.   

12. TransferGo   

transferGo is a trusted choice for sending remittances to 72 countries, including Nigeria and its supported regions. It offers a user-friendly interface, swift transfers, and competitive rates, it’s the go-to platform for sending money back home. 


  • International Money Transfers: TransferGo offers quick, secure, and cost-effective international money transfer services to over 160 countries. 
  • Mobile Airtime Top-Ups: Users can send mobile airtime to loved ones in more than 140 countries using TransferGo. 
  • Virtual International Bank Accounts: TransferGo offers virtual international bank accounts, facilitating currency exchange and receipt of funds in various currencies. 
  • Business Money Transfers: TransferGo serves small businesses, including freelancers, sole traders, and limited company owners, by enabling them to pay suppliers for their services. 
  • Ripple-Based Remittance: TransferGo has introduced a specialized remittance service to India from Europe, leveraging Ripple technology to streamline payments.  

How to use TransferGo

  • Choose how much to send and by when. It’s always quick—and if you want to move it even faster, you can.  
  • Add the receiver’s details. All you need is their card, bank details, or phone number—and we can handle the rest.  
  • Choose how to pay—and make the transfer! You can pay by bank transfer, credit/debit card, Google Pay, or Apple Pay. We’ll keep you posted about the transfer, which you can track in your account within minutes. 

13. Ria Money Transfer  

Ria Money Transfer is a worldwide leader in the money transfer industry, with a vast network of 435,000+ locations spanning 160+ countries. Their extensive presence ensures accessible and reliable money transfer services globally. 


  • International Money Transfers: Ria Money Transfer provides fast, secure, and cost-effective international money transfer services to over 165 countries. Users can conveniently send and receive money through Ria’s extensive retail network, online platform, or the Ria Money Transfer app, depending on their preference. 
  • Cash Pickup: Recognizing that cash remains one of the most popular and easily accessible methods for sending and receiving money, Ria Money Transfer offers users the flexibility to handle cash transactions in the manner that suits them best. 
  • Bill Payments: Ria Money Transfer simplifies bill payments by offering users the option to settle their bills online, in person, or through the user-friendly Ria Money Transfer app. 
  • Currency Exchange: Ria Money Transfer extends currency exchange services, enabling users to exchange currencies at highly favourable rates. 

How to Use Ria Money Transfer  

  • Sign up for an account on the Ria website or mobile app, providing your personal information. 
  • Choose the recipient and destination country (available in over 165 countries). 
  • Select the transfer method (bank account, cash pickup, or mobile wallet). 
  • Enter transfer details, including amount, recipient’s info, and bank details if applicable. 
  • Pick your preferred payment method (credit card, debit card, or bank transfer). 
  • Confirm and send, then receive a confirmation email or text. 
  • Track your transfer through the Ria Money Transfer website or app. 

14. Flutterwave  

Flutterwave primarily serves cross-border businesses but is also a reliable option for sending remittances to Nigeria. As a key player in Nigeria’s payment gateway infrastructure, it offers a compelling solution for sending money abroad. Its fast, secure, and reliable system provides an excellent experience for Android users. 


  • International Money Transfers: Flutterwave provides fast, secure, and cost-effective international money transfer services to over 165 countries. 
  • Mobile Airtime Top-Ups: Users can send mobile airtime to loved ones in more than 140 countries using Flutterwave. 
  • Virtual International Bank Accounts: Flutterwave offers virtual international bank accounts, facilitating the receipt and exchange of money in multiple currencies. 
  • Business Loans: Flutterwave supports business growth by providing loans through Flutterwave Capital, offering a fast, secure, and affordable way for businesses to access working capital and manage their finances. 
  • Payment Gateway: Flutterwave offers a payment gateway that enables businesses to accept payments from customers worldwide. 

How to Use Flutterwave

  • Sign up with your email address.  
  • Verify your identity.  
  • Send money.  
  • Check transfer status in real-time.  

15. Payday

Payday is an innovative Neo-bank transforming global money transfers for Africans. With an impressive track record of 40,000 daily transactions and a thriving community of over 700,000 active users, Payday is a trusted partner for facilitating smooth cross-border payments. 


  • Effortless Cash Transactions: You can easily send and receive money, making financial transactions simple and convenient.  
  • Payday Virtual Card: With Payday virtual card, you can pay for your online buys, and spend your money across borders. 
  • Local and International Payments: The app allows you to handle your bills, whether local (within your country) or international (from other countries).  
  • Foreign Bank Accounts: Payday helps you efficiently handle and organize your international bank accounts, making it easier to manage your finances across borders. 

How to Use Payday 

  • Download the Payday app from the App Store or Google Play Store. 
  • Create your account by providing personal information. 
  • Open a free global account in USD, GBP, EUR, and 20+ other currencies. 
  • Receive payments from employers, clients, and more, without hidden fees. 
  • Spend worldwide with your virtual or physical Mastercard debit card. 
  • Send money globally in seconds using the app 
S/N NameTransaction feesExchange feesApp Store Rating (/5)Google Playstore rating (/5)
1  Lemfi     None    No     4.7    4.6  
2  Grey    Low    Yes    3.5    3.9  
Boss Money    Low    Yes    4.8    3.0  
  4  Geegpay    Low    Yes    4.6    4.2  
  5 Payoneer     Medium    Yes    4.5    4.1  
  6  Ria Money    Low    Yes    4.8    4.7  
  7  Transfergo    Low    Yes    4.9    4.7  
  8  Remitly    High    Yes    4.9    4.8  
  9 Sendwave    Low    Yes    4.7    3.5  
  10 Eversend    Low    Yes    4.3    3.9  
  11 Western Union    High    Yes    4.8    4.6  
  12 Boss Money    High    Yes    3.7    4.2  
  13 iLeero    Medium    Yes    N/A    4.2  
  14  Sendcash Africa   Medium    Yes    4.0    4.0  
  15  Payday    Medium    Yes    2.9    2.1  

What app is best to send money from USA to Nigeria? 

When it comes to sending money from the USA to Nigeria, transferGo stands out as the preferred option by our standards. 

Supported in 72 countries, TransferGo is a dependable choice for sending remittances to Nigeria. It accommodates various currencies, including the US dollar, and offers a user-friendly interface, making the process straightforward. 

Moreover, TransferGo is lauded for its swift payment processing, ensuring that your recipient in Nigeria promptly receives the funds. 

What app is best to send money from Canada to Nigeria?  

When looking to send money from Canada to Nigeria, two potential options to consider are SendCash and TransferGo. 

SendCash provides a user-friendly platform for sending money to Nigeria, supporting both crypto payments and transfers to Nigerian bank accounts. 

On the other hand, TransferGo is a versatile choice that facilitates transfers from multiple countries, including Canada. It is renowned for its simplicity, rapid payment processing, and competitive rates, making it an attractive choice for those seeking cost-effective and efficient transfer solutions. 

What app is best to send money from the UK to Nigeria?  

Ileero Remit could be a suitable choice for individuals sending money from the UK to Nigeria. This app appears to be particularly tailored to the needs of the Nigerian diaspora living in the UK, making it a potentially well-suited option for this specific group.  

Sign up for the newsletter

If you want relevant updates occasionally, sign up for the private newsletter. Your email is never shared.




My Items




My Items