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Top 10 Must Have International Money Transfer Apps In Nigeria For 2025

In today's globalized economy, the ability to transfer money internationally with ease and security is paramount. For Nigerians, whether supporting family, conducting business, or engaging in personal transactions, selecting the right money transfer app is crucial. As of 2025, several applications have distinguished themselves in terms of reliability, cost-effectiveness, speed, and user experience. Below is an in-depth analysis of the top 10 must-have international money transfer apps for Nigerians in 2025.

1. Wise (formerly TransferWise)

Wise has established itself as a leader in international money transfers by offering transparent fees and real exchange rates. Users can send money to over 70 countries, including Nigeria, with the assurance that there are no hidden charges. The platform's user-friendly interface and commitment to transparency make it a preferred choice for many. 

2. WorldRemit

WorldRemit provides a convenient and secure way to send money to Nigeria, supporting various payout methods such as bank transfers, mobile money, and cash pickups. The platform is known for its competitive exchange rates and low fees, making it a cost-effective option for many users. WorldRemit also offers instant transfers to certain banks in Nigeria, ensuring timely delivery of funds. 

3. Remitly

Remitly is renowned for its fast and affordable money transfer services to Nigeria. The platform offers multiple delivery options, including bank deposits and cash pickups, catering to the diverse needs of recipients. Remitly often provides promotional rates for new users, enhancing its appeal for first-time transactions. 

4. Azimo

Azimo is an online remittance service that has grown to 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 offers secure payments and is user-friendly, with over 40,000 five-star reviews attesting to its effectiveness. 

5. Send App by Flutterwave

Launched in December 2021 by Flutterwave, Send App enables users to make international transfers to local bank accounts and mobile money wallets in Nigeria. The platform is known for its user-friendly interface and secure transactions, making it a popular choice among Nigerians for international money transfers. 

6. OFX

OFX offers a 24/7 phone service and ensures users receive personal support during their transactions. The platform is known for its competitive exchange rates and low fees, making it a viable option for sending money to Nigeria. OFX's commitment to customer service and secure transactions has made it a trusted choice for many users. 

7. Western Union

Western Union has a long-standing history in the money transfer industry and offers multiple ways to send money to Nigeria, including bank transfers and cash pickups. The platform's widespread network of agent locations ensures that recipients in various parts of Nigeria can access funds conveniently. Western Union also provides mobile app services for ease of use. 

8. PayPal

PayPal is a globally recognized payment platform that allows users to send money to Nigeria. 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. 

9. 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.

10. Ria Money Transfer

Ria Money Transfer provides a reliable way to send money to Nigeria, offering both online transfers and cash pickup options. The platform boasts a vast network of agent locations, ensuring recipients can conveniently access funds. Ria's competitive fees and exchange rates make it a viable option for many users.

Factors to Consider When Choosing a Money Transfer App

When selecting a money transfer app to send money to Nigeria, consider the following factors:

• Fees: Compare the fees charged by different platforms, including transfer fees and exchange rate margins.

• Exchange Rates: Look for platforms that offer competitive exchange rates to ensure your recipient gets the maximum value.

• Transfer Speed: Depending on the urgency, choose a platform that offers instant or same-day transfers.

• Delivery Methods: Consider the available delivery options, such as bank deposits, cash pickups, or mobile wallets, based on the recipient's convenience.

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

• User Experience: A user-friendly interface can simplify the transfer process, making it easier to send money.

Conclusion

As of 2025, numerous reliable and efficient apps are available to send money to Nigeria. By considering factors such as fees, exchange rates, transfer speed, and security, you can select the platform that best suits your needs. The aforementioned apps have established themselves as top choices, offering a blend of convenience, affordability, and reliability for users looking to support their loved ones or conduct business transactions in Nigeria.