Sending money from Nigeria to the USA has become much easier and more seamless. Whether it’s for school fees, family support, or business payments, the process no longer involves complicated procedures or long waits. By cutting through traditional banking red tape, digital platforms provide a fast, reliable option that fits perfectly into today’s fast-paced world. This guide will walk you through why and how to use such platforms for smooth and stress-free international transfers.
Top Reasons for Sending USD from Nigeria to the USA
There are several key reasons why individuals and businesses in Nigeria need to send USD to the United States:
- Tuition fees: Nigerian students studying in the United States often require USD transfers to pay for tuition, accommodation, and other school-related expenses.
- Personal remittances: Many Nigerians send money to family members living in the USA for upkeep, emergencies, or family projects.
- Medical bills: Payments for specialised medical treatment in the USA can necessitate USD transfers.
- Business transactions: Nigerian businesses dealing with suppliers, service providers, or consultants in the US may need to send USD for payments.
Reliable Ways to Send USD from Nigeria to the USA
Several options are available for sending money from Nigeria to the USA, each with its own advantages and considerations.
1. Grey
A digital finance platform that allows Nigerians to open US bank accounts, receive USD, and send money abroad legally and swiftly. With Grey, Nigerians can have free US bank accounts and send money to the US with no hassle.
2. Payoneer
Ideal for freelancers and professionals receiving USD payments. Funds in a Payoneer account can be used for payments or withdrawals abroad.
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3. Banks with International Wire Transfer Services
Nigerian banks offer USD wire transfers but require Form A or other documentation.
4. Western Union and MoneyGram
These trusted money transfer operators offer fast cash pickups and bank deposits across the USA.
You can choose to send money straight to their bank account or for a cash pickup in minutes at a Western Union location.
Don’t have a Western Union profile yet?
Set up your profile today so you can enjoy convenient online money transfers.
Read also: US to Uganda Money Transfers
Just enter a valid BVN for online verification.
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Read also: Best Ways to Send Money to Nigeria
5. Remitly
Here’s how to send money to Nigeria using Remitly:
- Select Get Started or Send Money on the Remitly app or Send money if you’re using Remitly on your web browser.
- Enter the amount of money you’d like to send in US dollars. We’ll automatically display the amount your recipient will receive in Nigerian naira.
- When you enter the amount of money you’d like to send in US dollars to Nigeria, you’ll be able to view the delivery options that are available and choose the option that’s right for you and your recipient.
- Now choose your delivery method. Check with the person who you’re sending money to in Nigeria and find out how they’d like to receive their money.
- Depending on what country you’re sending money to, Remitly offers these delivery methods: Mobile money.
- If you select Bank Deposit as your delivery method to Nigeria, you’ll need to enter information about your recipient’s bank account. If you select Cash Pickup as your delivery method, we’ll ask you to choose a pickup location from our list of available delivery providers in Nigeria that’s convenient for your recipient.
- Next, enter your recipient’s full name. We’ll also ask for your phone number and address.
- Next, enter your date of birth. It’s important that you enter your correct birthdate as it appears on your identification, because we may need that information to verify your identity later.
- Now it’s time to choose how you’d like to pay for your money transfer to Nigeria. Enter your bank account information, your credit or debit card information, or the details of another payment method. Your payment options may vary depending on where you’re sending from. You can always update your payment method for future transfers.
- Check your transfer summary to make sure everything is correct. You’ll see all the details you just entered and the estimated arrival date. If you need to make any changes, just select Edit next to the info you want to update, and you’ll be able to change or correct that detail.
- When you’re ready to send your money transfer to Nigeria, select Send Money. The last step is to wait for your transfer to process.
6. LemFi
Open multi-currency accounts. Send and receive money globally.
Enter your phone number to download.
One platform for all your payments international.
International money transfer. Move money to multiple destinations across the globe. View more details.
Currency conversion. Convert money from one currency to another at the best value. View more details.
Receive or request money. Send money requests or share a payment link for your friends and even customers to pay via bank transfers, card or even mobile money. View more details.
Send money at the best value!
We charge little to no fees for you to spend your own money. No monthly or subscription fees. No minimum balance. Low foreign transfer fees.
| Platform | Fees | Transfer Speed | Key Features |
|---|---|---|---|
| Grey | Low | Fast | US bank accounts, swift transfers |
| Payoneer | Varies | Fast | Ideal for freelancers |
| Banks | High | Slow | Traditional option |
| Western Union/MoneyGram | Moderate | Fast | Cash pickup available |
Disclaimer: Fees and transfer speeds may vary. Check with each provider for the most up-to-date information.
Sendwave
Send money to your loved ones.
We make sure more of your money goes to those you love, not to high service fees.
Easy to sign up. Link your debit card, verify your identity and be sending in minutes.
24/7 support. We are available to chat 24/7 if you need any help.
Fast & convenient money transfers. Skip the line and send money from your phone to your loved ones in seconds.
Trusted and legitimate. Trusted by over 1 million users, Sendwave is operated by Zepz. and is authorized to transmit money in the US, Canada, the UK and the EU.
All-in-one wallet. A new way to send money and support loved ones from the US with more value and control. Wallet is only available for US senders right now, but more countries are coming soon.
Where you can send money. Popular countries Introducing Sendwave Wallet.
Send smarter from the US with the all-in-one wallet.
Get more for your money with better rates or cashback when sending from the US.
Fast refunds if plans change (not including USDC transfers).
24/7 support.
Add money to your wallet and send digital dollars. Give your recipients more security and power.
Peace of mind. The money you send stays protected in digital dollars until it’s cashed out.
1 digital dollar = 1 USD. No exchange rate worries.
Wallet is currently available for senders from the US.
Not from the US? You can also still use our app to send money transfers. We hope to expand our country list soon.
Explore Sendwave Wallet.
Are you a recipient? We have a wallet for you too. See how it benefits you here.
*Better rates and cashback offers are available in select markets. Normal T&Cs apply.
**We use stablecoin (USDC) for secure, digital dollar transfers.
***Cash out available in select markets. See list of countries where this applies.
Our Story.
At Sendwave, we're on a mission: to make sure your money gets to your friends and family, as safely and effortlessly as possible.
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