🇺🇸 USD → 🇳🇬 NGN · fee comparison
Send money from the USA to Nigeria
On a 1,000 $ transfer, the gap between the cheapest and the most expensive option is 60,251 ₦. Every provider below is ranked by the amount that actually reaches the recipient — counting both the fee and the hidden exchange-rate markup.
Best value
Wise
minutes–hours, to account
Fee12.18 $
Rate markup0.0%
Recipient gets1,362,274 ₦
Updated 11 July 2026. Table calculated for 1,000 $ at the mid-market rate of 1 USD = 1,380 NGN. Rates and fees refresh automatically several times a day (sources: ECB, providers' public APIs).
Frequently asked questions
What is the cheapest way to send money from the USA to Nigeria?
For a 1,000 $ transfer, our comparison shows Wise delivers the most: the recipient gets 1,362,274 ₦. Results vary with the amount and payout method.
Why doesn't “zero fee” mean free?
Providers earn on the exchange-rate markup. A 2–4% markup never appears as a line item, which is why the honest way to compare is the final amount received.
How fast is a USD → NGN transfer?
Digital services (Wise, Paysend, Remitly) usually deliver within minutes to hours. A bank SWIFT transfer takes 2–5 business days.