Best Ways to Send Money from the USA to Nigeria

Sending money from the USA to Nigeria doesn’t have to be complicated or expensive. There are dozens of money transfer services available, but not all are created equal. Some are better suited to your needs than others.

When making these choices, look for the ones that offer speed and the best rates. Some money transfer services also charge currency markups on top of their transaction fees. By carefully choosing, you can maximize your dollars and ensure you send the highest amount possible to your loved ones.

Check out the most trusted money transfer services below:

BOSS Revolution

BOSS Revolution is a leading money transfer service that provides one of the best ways to send money to Nigeria from the USA. With a great experience in providing services to immigrants, it is one of the most trusted and reputable solutions used by millions of families to send money to Nigeria.

It uses industry-leading data security measures to keep transactions secure and personal information safe. It also offers a money-back guarantee where a full refund is promised for customers who are dissatisfied with their service.

The biggest advantage of this platform is its low fees. You can initially send up to $300 for free and only pay $1 for future transfers if you use a debit card. You can also send cash directly by visiting one of their many locations nationwide.

BOSS Revolution partnered with various institutions like Access, United Bank of Africa, Fidelity, GTBank, Polaris Bank, and Zenith, so your recipients can quickly receive the funds via bank deposit or cash pickup.

There’s also a BOSS Money app that makes sending, tracking, and receiving money a breeze.

To start your transfer, follow these steps:

  • Visit the BOSS Revolution website and create an account. You only need a US phone number.
  • Wait for the SMS code and enter the website to verify your account.
  • Once you’re logged in, navigate to the Transfer Money section and select Nigeria as the country of your recipient.
  • Enter the amount of money you’d like to send and enter your beneficiary’s details.
  • Select how your recipient will get the money—by bank deposit or cash pickup.
  • Select a payment method to fund your transfer.

Alternatively, you can download the BOSS Money App and use it to sign up for an account and perform a transfer.


Xoom is a PayPal company that allows you to send money to various countries worldwide, including Nigeria. You can transfer money through bank deposit, using debit cards, or arranging for cash pickups. Depending on the source of funds and the amount you’re sending, the fees can be extremely high. Charges are calculated as a percentage of the original amount. However, if you’re sending money by bank transfer, fees are waived.

Xoom also charges a currency markup which means your recipient will get a lower amount due to the lower conversion rate. Transfers using bank accounts take 1-2 business days.

To use Xoom:

  • Sign up or Login to an account on the Xoom website.
  • Enter the details of your recipient.
  • Fund the transaction using your bank account or debit/credit card.
  • Inform your recipient to watch out for the funds in their bank account or the details for the cash pickup.


Wise is an easy way to transfer money online to Nigeria. It offers the same currency rates as you’d see in Google and it doesn’t charge currency markups. The transfer fee is $1.33 plus 0.61% of the amount you send. There are also additional fees depending on how you’d fund the transfer. Bank debit is the cheapest, while credit and debit cards are the most expensive.

One of the great things about Wise is how fast your recipient will get their money. Since Wise has a local counterpart in Nigeria, your recipient can get it within the same day.

To start sending using Wise:

  • Visit the Wise website and sign up for an account.
  • Go to the Transfer Money section and complete the required details.
  • Select how you’d fund the transfer and click proceed.

Normally, your recipient can get the funds within minutes.

Western Union

Western Union is one of the largest and oldest money transfer services in the world. It is available in almost every country, including Nigeria, and offers multiple ways to send money. You can use its website or app or visit one of the thousands of Western Union in-store locations.

There’s no direct way to determine the cost of a money transfer using Western Union. You have to use their price estimator, which considers several factors like the exchange rate. The fees vary depending on the amount you’re sending, the current exchange rate, and the source and destination of the funds. Using a credit and debit card may result in higher fees than sending cash in-store or using a bank transfer.

To get started, visit the Western Union website to get a quote and check out the multiple options available.

Money Gram

MoneyGram is another popular way to send money to Nigeria from the USA. It also offers multiple options for sending money using bank transfers, mobile wallets, and credit or debit cards. It has a mobile app as well for transferring and receiving money seamlessly for the millions of customers who’ve trusted the platform.

To get started:

  • Log in or create an account online.
  • Select the receiver and payment method.
  • Inform your recipient to watch out for the funds to arrive.

Choose the Best Rate for Sending Money from the USA to Nigeria

When it comes to sending money to Nigeria from the USA, there are plenty of established and trusted options available. They only differ by the rates, fees, and speed by which your recipient will receive the money.

In choosing the best service, consider the ones with the best exchange rates. By selecting services that have fixed transaction fees and zero currency markups then, you can maximize the amount of money you’re sending and ensure the receiver gets the maximum value of money they need.

Check out the options in this list and make your loved ones happy by selecting the best money transfer provider.

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