Best 15 Apps to Send Money to Nigeria from the USA

Are you hesitant to work for clients as a freelancer in the USA because of the difficulty in making transfers or other problems like late payments, tax charges, and tracking of payments?

Lets see, you reside in the United States, and youve decided to dive into Nigerias bank of resources, but you need that one app to ease your transactions. Worry not!

Whether youre a freelancer with a strong will to get more clients, a service provider in Nigeria, or, better yet, a dropshipping agent, theres a binding problem most Nigerians share in regards to international payments: the difficulty of making payments from the diaspora to Nigeria, the Giant of Africa.

Well, Im here to list out 15 apps you can use to receive money from the USA and to weigh out your options to find the perfect system. Do you think thats too good to be true? Come with me to prove you wrong!

At this point, youre wondering what all the hype is about these 15 apps! Well, I wont disappoint you. The top 15 apps for sending money to Nigeria from the USA in 2023 are these ones, according to financial experts. Lets get right into it:

Key Takeaway: Why Grey.co is the Best Choice for Sending Money to Nigeria

Seamless USD, GBP, and EUR Transfers – Grey.co allows users to send and receive money in multiple currencies with ease.

Competitive Exchange Rates – Get better rates compared to traditional banks and other remittance services.

Fast and Reliable Transactions – Transfers are processed quickly, ensuring that recipients get their money on time.

Virtual Foreign Bank Accounts – Users can open USD, GBP, and EUR accounts for international transactions.

Low Fees & Transparent Pricing – No hidden charges, making it a cost-effective choice for sending money to Nigeria.

If you’re looking for a fast, affordable, and hassle-free way to send money to Nigeria, Grey.co is a top recommendation!

1# Paypal

Paypal Holdings, a 25 year old financial technology company, is the #1 app on this list, with the special features of seamless international transfers and connecting buyers and sellers together to ease transactions. With over 200 million active accounts worldwide, Paypal has collaborations with many top stores in Nigeria and a track record of swift delivery, which will in turn speed up the process of the transaction.

2# MoneyGram

Located in the most populated city in Texas, Dallas, since 1998, MoneyGram has over 2K employees and is set up in 350000 locations, which led them to win the Best Use of Blockchain in FinTechaward at the 2023 FinTech Breakthrough Awards.

3# Paystack

With over 200,000 businesses using Paystack in Africa, payments from the USA to Nigeria have never been easier. This Nigerian-based Fintech company has a track record of successful payments within 30 minutes; thats legendary. Using Paystack as a Nigerian expecting payment from abroad is a painstaking experience.

4# WorldRemit

Personally, I like evidence to avoid statements like you go explain tire, no evidence. WorldRemit is a perfect fit in this category because they have reviews that back their statements. Take a look at the 82,565+ reviews on Trustpilot; you cant tell me otherwise! WorldRemit offers a range of services involving international transactions; its a top notch financial company.

5# Western Union

Its no secret that the Western Union Company has been operating and transacting internally for over 140 years, with an average of 31 transactions per second. I know, right? Thats amazing! With special features for tracking your money easily on the website, Western Union has offices in over 200 countries for any complaints that may arise.

6# Grey

Grey is a new Nigerian company with the goal of simplifying the process of determining the current exchange rate. After its big launch in 2020, Grey has had over 100,000 individual users in its course of business, leaving it with international recognition.

7# Remitly

One specific feature of Remitly thats unbeatable is the level of security that keeps both your money and personal data protected. That, coupled with their all round customer support, makes millions of users worldwide put their full trust in Remitly.

8# Skrill

This London-based global payment system, Skrill, is part of a parent organization, Paysafe Limited, as just one of several wallets for the company. You can guess that Skrill has always had its way with words. I mean, who says that you can transfer money at lightning speed? Well, let me tell you, whatever Skrill says can happen will surely happen!

9# Sendcash

Everyone loves an all compassive digital tool, and just so you know, Sendcash is that type. Sendcash doesnt only aid in receiving payments from the USA; lets say you have a pending transaction involving payments from clients in Nigeria or even a refund. Then Sendcash is the perfect app for you.

10# RIA Money Transfer

RIA Money Transfer was founded in 1987 and is a subsidiary of Euronet Worldwide, Inc. According to the website, over 500,000 locations exist worldwide for you to pick up your money at any time. With just a few taps, transactions can be completed in any of the 165 countries RIA Money Transfer has moved to.

11# Eversend

Finding out about Eversends virtual debit cards was a big win for me. I can tell it is for you too. Eversend listens, and solves both your general and specific needs. With a bank of frequently asked questions (FAQs) and dedicated customer service, need I say more? A super app, for real!

12# Payoneer

Payooner specifically deals with international business payments. This app has the goal of improving the global payment system for your small business. An app that has all the features your local business needs, a community and, better yet, cheaper charges!

13# Sendwave

Do you wonder how Sendwave has over 1 million happy users? Its not that hard; their 24/7 open phone lines and customer service are one of the many reasons.

Sendcash was founded in 2014 and at the moment, its joined hands with the top banks in Nigeria; GTBank PLC, Access Bank PLC, just to mention a few. The feature of being able to send money like a text message is a seamless one!

14# XE.com

XE.com provides exchange rate charts and international money transfer services to 200 countries. Its fully based in Ontario, Canada and has up to 350 employees ready to solve any of your money transfer complaints at your beck and call.

15# Revolut

Lastly, I have an all-in-one financial app for you. This is a situation of keep the best for last’. Nikolay Storonsky and Vlad Yatsenko founded Revolut in London in 2015.Its a super app for everyone to use.

With a swift money delivery time, it singles out Revolute above all!

Phew, what a journey! Ive taken you through 15 whole apps that you can use to send money from the USA to Nigeria.

I’ll rest assured that your selection process is way easier now with the points made in this article. Well, what are you waiting for? Go ahead and check out the best app that suits you!

FAQs on Best 15 Apps to Send Money to Nigeria from the USA

1. What are the best apps to send money to Nigeria from the USA?

Some of the best apps for sending money to Nigeria include Wise, Remitly, WorldRemit, Sendwave, PayPal, MoneyGram, Western Union, Xoom, Ria Money Transfer, OFX, Skrill, Paysend, Revolut, TransferGo, and Afriex. These apps offer different transfer speeds, fees, and exchange rates.

2. Which app has the lowest transfer fees for sending money to Nigeria?

Wise (formerly TransferWise) is known for offering low and transparent fees, as it uses the real exchange rate with minimal markup. Sendwave and Remitly also have competitive rates with low or no fees for certain transfers.

3. What is the fastest way to send money to Nigeria from the USA?

Apps like Sendwave, Remitly, and WorldRemit offer instant or same-day transfers to Nigerian bank accounts and mobile wallets. Western Union and MoneyGram also have fast cash pickup options.

4. Which app provides the best exchange rates for Naira?

Wise and Revolut are known for offering mid-market exchange rates with low markups. However, rates fluctuate, so it’s best to compare real-time rates before transferring.

5. Can I use PayPal to send money to Nigeria?

No, PayPal does not support direct transfers to Nigerian bank accounts. However, you can send money to a Nigerian PayPal account, and the recipient can use third-party services like Payoneer or Grey to withdraw.

6. Are there any apps that allow sending money to Nigeria without fees?

Some promotions on Sendwave, Remitly, and WorldRemit offer fee-free transfers for first-time users. However, always check the exchange rate markup, as some services compensate for waived fees by adjusting the rate.

7. What is the safest way to send money to Nigeria?

Using regulated and licensed money transfer services such as Western Union, MoneyGram, and Wise ensures safe transactions. Always verify recipient details before sending money.

8. Can I send money from the USA to Nigeria using cryptocurrency apps?

Yes! Apps like Afriex, Binance Pay, and Yellow Card allow sending money in Bitcoin (BTC), USDT, and other cryptocurrencies, which recipients can convert to Naira.

9. Which apps allow sending USD directly to Nigeria?

Apps like Wise, OFX, and Revolut let you send money in USD, which can be received in domiciliary accounts in Nigeria. Some Nigerian banks also support direct USD deposits.

10. Do I need a Nigerian bank account to send money?

No, you don’t need a Nigerian bank account to send money, but the recipient must have a valid bank account, mobile money wallet, or access to cash pickup services depending on the transfer method you choose.

11. Can I send money from my credit card to Nigeria?

Yes, most money transfer apps, including Xoom, WorldRemit, and Remitly, allow credit card payments, but they may charge higher fees compared to bank transfers or debit card payments.

12. Which app allows sending money to Nigeria via mobile money wallets?

WorldRemit, Remitly, and Sendwave support transfers to mobile money wallets like Paga and Opay in Nigeria, making it easier for recipients without bank accounts.

13. What is the best app for large money transfers to Nigeria?

Apps like OFX, Wise, and Revolut are best for large transfers as they offer lower fees and better exchange rates for higher amounts. Some apps may also have limits on the amount you can send per transaction.

14. Can I send money from the USA to Nigeria using Cash App?

No, Cash App does not support international transfers to Nigeria. However, you can use alternatives like PayPal (with workarounds), Wise, or cryptocurrency transfers.

15. Are money transfer apps to Nigeria regulated?

Yes, apps like Western Union, MoneyGram, Wise, and Remitly are regulated by financial authorities in both the USA and Nigeria, ensuring security and compliance with anti-money laundering laws.

16. How long does it take to send money to Nigeria?

Transfer times vary:

Instant transfers – Sendwave, Remitly (Express), and WorldRemit.
1–2 business days – Wise, Revolut, and Skrill.

3+ days – Bank wire transfers via OFX and traditional banks.

17. Which app is best for business payments to Nigeria?

For business transactions, Wise, OFX, and Payoneer offer the best solutions with multi-currency accounts, invoice payments, and competitive exchange rates.

18. Can I track my money transfer to Nigeria?

Yes, all major transfer apps like WorldRemit, Western Union, and Remitly provide real-time tracking via their apps or websites, showing when the funds will be received.

19. What documents do I need to send money to Nigeria?

You may need:

A government-issued ID (passport, driver’s license)
The recipient’s full name and bank account details

A valid debit/credit card or bank account for payment

20. What should I do if my transfer to Nigeria is delayed?

If your transfer takes longer than expected:

Check your transaction status in the app

Contact customer support for assistance
Ensure the recipient’s details are correct
Confirm that the app is not experiencing technical issues

These FAQs cover everything you need to know about the best money transfer apps from the USA to Nigeria, helping you choose the most reliable and cost-effective option.

Best 15 Apps to Send Money to Nigeria from the USA

Conclusion

These are best apps to transfer your money from united States to Nigeria. I hope you have found this article helpful. Let me know if you have any questions about apps for transferring money to Nigeria from USA.

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