Send Money from the US to Nigeria —
Best USD→NGN Rates Today
US banks and wire services often apply a 10–15% hidden margin on USD/NGN. FxPortal connects you directly to diaspora brokers quoting competitive rates — more Naira per dollar, less to fees.
Typical bank rate
₦1,420/$1
~10–15% below market
VS
Parallel market ref.
₦1,620/$1
What brokers compete toward
Top brokers for USD/NGN right now
| Broker | Rate (NGN/$1) | Fee | |
|---|---|---|---|
|
SwiftRemit
BEST
|
₦1,387.25 | 0.7000% | Lock this rate |
|
EuroLink
|
₦1,386.00 | 0.5000% | Lock this rate |
|
DiasporaFX
|
₦1,385.00 | 0.5500% | Lock this rate |
Rates updated in real time. Actual transfers may vary by broker fee structure.
See all brokers →
Frequently asked questions
How do I send money from the US to Nigeria?
Compare live USD/NGN rates on FxPortal, choose a broker, and lock your rate. The broker will guide you through funding via ACH bank transfer or wire. Recipient receives NGN directly in their Nigerian bank account.
What routing information do I need to send from the US?
You'll fund the transfer from your US bank account using your ACH routing number and account number. Your recipient in Nigeria needs a valid NUBAN account number (10 digits) and their bank name.
How fast is a US to Nigeria transfer?
ACH-funded transfers typically take 1–2 business days once the broker receives your funds. Wire transfers from US banks may be faster. The broker will confirm timing at the quote stage.
Are there transfer limits for USD to NGN?
Most brokers accept $50 minimum. Limits vary — a typical ceiling is $10,000 per transfer for unverified accounts, with higher limits after KYC verification. Always confirm with your chosen broker.
Is it legal to send money from the US to Nigeria?
Yes. Personal remittances are fully legal under US and Nigerian law. Brokers on FxPortal are registered money service businesses. Transfers above $10,000 may trigger bank reporting requirements under US FinCEN rules.