Sending and receiving money across borders has never been more important for Nigerians — whether for family support, business transactions, or freelance payments.
With technology advancing, international money transfer apps now offer faster, cheaper, and more secure ways to move funds globally.
In 2025, these apps are changing the game with low fees, real-time exchange rates, and instant payouts into Nigerian bank accounts.
Here are the top 10 must-have apps that Nigerians trust for international money transfers this year!
1. WorldRemit
A favorite among Nigerians, WorldRemit offers fast and affordable transfers directly to bank accounts, mobile money, and even airtime top-ups.
- Highlights:
- Instant transfers to Nigerian banks
- Low fees and great exchange rates
- Mobile-friendly and user-friendly
Best For: Fast remittances to Nigerian families and businesses.
2. Wise (formerly TransferWise)
Wise is known for transparent pricing and mid-market exchange rates, ensuring you always get the best value.
- Highlights:
- Very low transfer fees
- No hidden charges
- Easy multi-currency account
Best For: Freelancers, remote workers, and businesses.
3. Sendwave
Designed specifically for African countries, Sendwave lets you send money instantly to Nigeria without high fees.
- Highlights:
- No transfer fees (in most cases)
- Fast delivery to Nigerian bank accounts
- Highly rated for simplicity
Best For: Quick family support and emergency funds.
4. Remitly
With a guaranteed delivery time and multiple transfer options, Remitly is another trusted app for sending money to Nigeria.
- Highlights:
- Express and Economy transfer options
- Cash pickup, bank deposit, and mobile wallet options
- Great promotional rates for first-time users
Best For: Flexible delivery methods.
5. Payoneer
Payoneer is essential for Nigerian freelancers, online sellers, and remote workers needing international payments.
- Highlights:
- Free receiving accounts (USD, EUR, GBP)
- Withdraw directly to Nigerian bank accounts
- Works with Fiverr, Upwork, Amazon, and more
Best For: Business and freelance income.
6. Revolut
Revolut offers a global financial app experience, making it easy to transfer money internationally at competitive rates.
- Highlights:
- Instant transfers across borders
- Virtual and physical card options
- Budgeting and financial tools included
Best For: Tech-savvy users who want banking and transfer in one app.
7. Chipper Cash
Chipper Cash is a rising star in Africa's fintech space, allowing free money transfers across several African countries and to the USA.
- Highlights:
- No transfer fees
- Send money from Nigeria to other countries and vice versa
- Investment and bill payment features
Best For: Africans sending money across the continent and abroad.
8. MoneyGram App
MoneyGram, a long-standing name in remittances, now has an app making global transfers even easier.
- Highlights:
- Cash pickup locations across Nigeria
- Send directly to bank accounts or mobile wallets
- Trusted brand with global reach
Best For: Traditional and older generation users.
9. Western Union App
Another classic name in money transfer, Western Union's mobile app brings traditional remittances to your fingertips.
- Highlights:
- Send to banks or pick up cash
- Widespread network in Nigeria
- Track transfers in real-time
Best For: International transfers with global coverage.
10. OFX
OFX specializes in large-sum international transfers without charging high fees or hidden costs.
- Highlights:
- Competitive exchange rates
- Best for sending large amounts
- 24/7 support service
Best For: Businesses or personal transactions over $1,000.
Why Nigerians Need Trusted International Money Transfer Apps in 2025
- Faster Processing: Many apps now deliver in minutes, not days.
- Better Exchange Rates: Transparent and real-time rates save you money.
- Lower Fees: Compared to traditional banks and agencies.
- Convenience: Send from your phone, anytime and anywhere.
FAQs: Best International Money Transfer Apps for Nigerians 2025
1. What’s the fastest way to send money from abroad to Nigeria?
Apps like Sendwave and WorldRemit offer instant delivery to Nigerian bank accounts.
2. Which money transfer app charges the lowest fees?
Wise and Chipper Cash are known for very low or no transfer fees.
3. Can I use Payoneer to withdraw money in Nigeria?
Yes! Payoneer allows you to link your Nigerian bank account and withdraw directly.
4. Which app is best for freelancers in Nigeria?
Payoneer and Wise are highly recommended for freelancers receiving payments internationally.
5. Is it safe to use money transfer apps?
Absolutely. Apps like WorldRemit, Western Union, and MoneyGram have strong security and encryption to protect users.
Conclusion
Choosing the right money transfer app is critical if you want to save time, reduce costs, and ensure safe delivery of your funds.
Whether you're a student, freelancer, business owner, or simply supporting family, these 10 apps make sending and receiving money across borders easier than ever.
Ready to start? Download any of these apps today and experience seamless international money transfers in 2025!
