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Receive Money


How To Pick Up Money

You can pick up money at any participating Agent location in the city selected by the Sender. Be sure to check the status of your money transfer using the MTCN number to be sure it is ready to pick up.

1. Visit an Agent Location

2. Complete the To Receive Money Form at the Agent Location

Complete the To Receive Money form using printed, capital letters.

  • Sender's name
  • Where money was sent from
  • Test question and answer (if applicable)
  • MTCN if required

3. Present ID and Form to the Agent Clerk

  • Your completed form
  • Your government-issued ID (where applicable)

4. Receive the Money

  • The Agent clerk will check your ID
  • Sign the receipt
  • Collect your money



Receive Money on Your Mobile Phone

You can receive money on your mobile phone with our mobile money transfer service.

Depending on the services offered by your mobile service provider, you can use the money to pay bills, buy goods and services, purchase minutes, and withdraw cash.1

It’s fast, easy, and convenient—for both you and your sender. All you need is a mobile wallet2 with a participating mobile service provider in your country.

  1. Ask your sender to choose ‘receiver’s mobile wallet’ as their payout option and make sure they have your correct mobile number with country code.
  2. You’ll get a text message3 after the money is added to your wallet.

1 Service options are determined by the mobile phone service provider.

2 Funds will be paid to your receiver’s mobile wallet account provider for credit to the account tied to your receiver’s mobile number. Additional third-party charges may apply, including SMS and account over-limit and cash-out fees. Funds availability is subject to the terms and conditions of service.

3 Standard message and data rates from mobile service providers may apply.




Restrictions and Special Notes

Sending from Nigeria:

  • The Maximum amount that can be sent is $3,000 equivalent per person, per quarter
  • Intra transactions are not allowed in Nigeria

Receiving in Nigeria:

  • Transactions above $10,000 US dollars or local equivalent must be reported to Central Bank of Nigeria.
  • Receivers must present correct Money Transfer Control Number (MTCN).
  • Receivers must present a valid ID.
  • Pay without ID on the Test Question alone is forbidden in Nigeria.
  • US dollar payments in Nigeria are available at no charge to the receiver:
    • Access Bank      
    • Ecobank            
    • Fidelity Bank     
    • First Bank of Nigeria      
    • First City Monument Bank          
    • Guaranty Trust Bank     
    • Polaris Bank      
    • Heritage Bank  
    • Stanbic IBTC Bank          
    • Sterling Bank    
    • Unity Bank        
    • Wema Bank      
    • Zenith Bank      
    • Keystone Bank 
    • Union Bank       
    • United Bank of Africa
    • Nigerian Postal Service(NIPOST)
  • U.S. dollar payouts are subject to availability.
  • Customer can decide to receive funds in cash or have the funds paid into a US dollar denominated domiciliary account in line with the CBN policy.
  • US dollar payment is available in the following cities:
    • - Aba
    • - Abakaliki
    • - Abeokuta
    • - Abuja
    • - Akure
    • - Alaba
    • - Apapa
    • - Asaba
    • - Awka
    • - Benin City
    • - Calabar
    • - Eket
    • - Enugu
    • - Ibadan
    • - Idumagbo
    • - Ikeja
    • - Ilorin
    • - Ilupeju
    • - Jos
    • - Kaduna
    • - Kano
    • - Lagos
    • - Lekki/Ajah
    • - Maiduguri
    • - Mushin
    • - Nnewi
    • - Onitsha
    • - Otta
    • - Owerri
    • - Port Harcourt
    • - Shomolu
    • - Trade Fair
    • - Ughelli
    • - Uyo
    • - Victoria Island
    • - Warri
    • - Yenegoa

General Information:

  • Money transfers sent to Nigeria must include a Test Question.