Send Money to Bank Accounts in Nigeria

Tips By Western Union February 1, 2026

Are you planning to send money to your friends and family in Nigeria? With Western Union, you can transfer funds to Nigeria not just for cash pickup but also directly to your receiver’s bank account. Sending money to Nigeria is flexible with Western Union, allowing you to choose the payout method that suits your receiver’s needs. You can choose if you send cash from a Western Union agent location or if you want to send money online with the Western Union app.

How to Send Money Online to a Bank Account in Nigeria?

Transferring money online to a bank account in Nigeria is easy — whether you send money to First Bank of Nigeria, make a direct transfer to GTBank, or to Access Bank. Simply follow the steps below and make your first online money transfer to Nigeria now!

1. Register for Free or Log In

Visit westernunion.com or download our app to send money to Nigeria. Register for free and create an account or log in if you already have one.

2. Choose Your Receiver’s Country and Money Amount

Select Nigeria as your receiver’s country and choose the amount you wish to transfer. Remember to check the transfer fees before you send money to a Nigerian bank account. Western Union provides transparency by showing you exactly the amount you pay and the amount your receiver will get.

3. Choose the Payout Method

To send money to a bank account, select ‘Bank account’ as the receiving option. By selecting bank account your money transfer will go directly and efficiently to the Nigerian bank account of your receiver. This way your receiver does not have to pick up the money in cash first but receives it directly in his or her bank account.

4. Choose the Payment Method

Select how you want to pay for your money transfer to Nigeria. Ensure the payment method is convenient for you.

5. Provide the Necessary Details of Your Receiver

Enter your receiver’s full name and bank account number accurately to ensure a smooth transfer of funds to Nigeria.

6. Select the Purpose of Your Money Transfer

Indicate the purpose of your money transfer to the Nigerian bank account to complete this step. This purpose can be family support, a gift, travel expenses or many other things. Select whatever describes your case the best.

7. Confirm and Pay

Review all details, confirm, and pay to complete your online money transfer. The money will usually be sent to your receiver’s bank account in Nigeria within the same banking day, but might take longer.

With a few taps on the Western Union app or clicks at westernunion.com, you can send cash to Nigeria bank accounts quickly and easily from virtually anywhere in the world. Transfer money to Nigeria now with Western Union.

FAQs

How long does it take to send money to Nigeria?

The money will usually arrive within the same banking day in your receiver’s bank account, but might take longer. When you send money for cash pick up the money will arrive within minutes*.

What fees are associated with sending money to Nigeria?

The fees for sending money vary based on different factors. For example, pay-in and pay-out method or the send amount might influence the fees. Always check all fees before you send money. You can check the fees in our online calculator ahead of your transaction.

Is it safe to send money to Nigeria online?

Yes, if you pick a reliable provider like Western Union. Established providers like Western Union apply high security standards and work with renown banks in Nigeria. With Western Union your money transfer to Nigeria is reliable and safe.

Can I send money to a Nigerian bank account via an app?

Yes, with the Western Union app you can send money directly to a bank account of your friends and family in Nigeria.

 

* Transfer speed and fund availability may be affected by factors such as service choice, amount, destination, currency, regulations, ID requirements, and system availability of our banking partners. Not available for all transactions. See Terms for details.