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10 Legit Apps To Send Money To Nigeria In 2025

In today's interconnected world, sending money to Nigeria has become more accessible and efficient, thanks to various reliable money transfer apps. Whether you're supporting family, paying for services, or conducting business, these platforms offer secure, fast, and cost-effective solutions. Here are ten legitimate apps to consider in 2025:

1. Remitly

Remitly is a trusted platform for international money transfers, known for its speed and security. It offers competitive exchange rates and low fees, with multiple delivery options such as bank deposits and cash pickups. Transfers are typically completed within minutes, making it ideal for urgent remittances. New users often benefit from promotional offers, enhancing the value of their transactions. 

2. WorldRemit

WorldRemit offers extensive reach and versatility, allowing users to send money to Nigeria through bank transfers, mobile money, and airtime top-ups. The platform provides transparent fees and exchange rates, with most transfers processed instantly. Its user-friendly mobile app enables transactions from anywhere at any time. 

3. Azimo

Azimo has become one of the fastest and most reliable means of sending money internationally, including to Nigeria. The platform supports transfers to over 150 countries in about 80 different currencies. Azimo is praised for its speed, security, and ease of use. The app has garnered over 40,000 five-star reviews, reflecting its reliability as a money transfer platform. 

4. Wise (formerly TransferWise)

Wise offers international money transfers at the real exchange rate without hidden fees. Users can send money directly to Nigerian bank accounts with transparent costs. The platform is celebrated for its speed and efficiency, often completing transfers within a day. Wise also provides a multi-currency account, allowing users to hold and manage money in various currencies. 

5. Sendwave

Sendwave is a mobile app that enables users to send money instantly to Nigeria with zero fees. The platform offers competitive exchange rates and allows recipients to receive funds directly into their bank accounts or mobile wallets. Sendwave's simplicity and cost-effectiveness have made it a popular choice among users. 

6. PayPal

PayPal is a globally recognized payment platform that facilitates international money transfers. While direct transfers to Nigerian bank accounts may not be available, recipients can access funds through PayPal's services. PayPal's advanced security features and global capabilities make it a trusted choice for many users. 

7. TransferGo

TransferGo is a digital remittance service offering fast and affordable money transfers to Nigeria. The platform provides competitive exchange rates and low fees, with transfers typically completed within 30 minutes. Its user-friendly app simplifies the transfer process, making it convenient for users. 

8. MoneyGram

MoneyGram is a well-established money transfer service with a vast global network. Users can send money to Nigeria for cash pickup at numerous agent locations or direct bank deposits. MoneyGram offers competitive fees and exchange rates, with transfers typically completed within minutes. The platform also provides a mobile app for convenient transfers. 

9. Western Union

Western Union is one of the oldest and most trusted money transfer services worldwide. It offers multiple transfer options to Nigeria, including bank deposits, cash pickups, and mobile wallet credits. While fees and exchange rates may vary, Western Union's extensive network ensures accessibility for recipients across Nigeria. Transfers are usually fast, with options for instant delivery. 

10. Ria Money Transfer

Ria Money Transfer provides a reliable way to send money to Nigeria, offering bank deposits and cash pickup options. The platform is known for its competitive fees and favorable exchange rates. Transfers are typically completed within minutes, ensuring prompt delivery of funds. Ria also offers a user-friendly app, making it convenient to send money from anywhere. 

Factors to Consider When Choosing a Money Transfer App

Selecting the right app to send money to Nigeria involves evaluating several key factors:

• Fees and Exchange Rates: Different platforms have varying fee structures and exchange rates. Comparing these ensures you get the best deal.

• Transfer Speed: Depending on urgency, the speed of transfer can be critical. Some services offer instant transfers, while others may take a few days.

• Delivery Methods: Consider how the recipient prefers to receive funds—through bank deposits, cash pickups, or mobile wallets.

• Security: Ensure the platform employs robust security measures to protect your funds and personal information.

• Customer Support: Reliable customer service can assist in resolving any issues during the transfer process.

Conclusion

In 2025, sending money to Nigeria is more streamlined than ever, thanks to these reputable apps. By considering factors like fees, exchange rates, transfer speed, and security, you can select the platform that best suits your needs. The apps mentioned above offer a blend of convenience, affordability, and reliability, ensuring your funds reach their destination safely and promptly.