Send Money from Germany to Nigeria

Compare current EUR → NGN rates from 17+ providers. Find the best deal now.

Why People Send Money Germany → Nigeria

Nigeria has one of the largest diaspora communities in Germany, including students, professionals, and entrepreneurs. Remittances support families, fund real estate investments, and cover education costs. Nigeria is one of the largest remittance-receiving countries in Africa.

Pro Tip: Verify NGN Bank Transfer Support First

Not all providers that list Nigeria actually support direct NGN bank transfers — some only offer USD delivery. Always verify the payout method before committing to a provider, especially for larger amounts.

How to send money from Germany to Nigeria

Compare EUR→NGN rates carefully: Some providers quote rates in USD rather than NGN — always check the final NGN amount your recipient receives. Our table shows the true recipient amount to make comparison straightforward.
Create your account: Register with your chosen provider using a German ID or passport. Nigerian senders and those with Nigerian bank accounts should also have their BVN (Bank Verification Number) ready, as some providers require it for Nigerian recipients.
Enter Nigerian bank details: You will need the recipient's 10-digit Nigerian bank account number and the bank name (GTBank, Access Bank, First Bank, Zenith Bank, UBA, etc.). Nigerian accounts use a 10-digit NUBAN number — there is no IBAN system.
Verify the payout is in NGN: Before confirming, double-check that the delivery is in Naira (NGN) to a Nigerian bank account — not in USD to a domiciliary account unless that is what your recipient prefers. Most family transfers work best with direct NGN delivery.
Confirm and send: After confirming, track the transfer. Providers typically take 1–2 business days for first-time transfers to Nigeria due to compliance checks. Subsequent transfers to the same recipient are usually faster.

What to know

Nigerian NUBAN account system

Nigeria uses a 10-digit NUBAN (Nigeria Uniform Bank Account Number) system — not IBANs. Every bank account in Nigeria has a unique 10-digit number. To send money, you need this number plus the bank name. Most providers accept this without a SWIFT code. Your recipient can find their NUBAN number in their mobile banking app or by dialing *737# on their phone.

NGN currency controls and USD delivery

Due to Nigeria's history of foreign exchange restrictions, some providers deliver transfers in USD to a Nigerian domiciliary account rather than in Naira. This creates an extra conversion step for the recipient and often results in a worse effective rate. Always confirm your provider offers NGN delivery to a standard Naira account before transferring.

Compliance checks on first transfers

First-time transfers to Nigeria from Germany often go through additional compliance review, which can add 24–48 hours to the delivery time. This is normal and not a cause for concern. Subsequent transfers to the same recipient are processed much faster. Have your purpose of transfer ready (family support, education, etc.) in case you are asked.

WorldRemit are the strongest providers for Germany→Nigeria, as both offer direct NGN delivery to Nigerian bank accounts and support OPay and other mobile money platforms. Wise supports NGN transfers but at slightly wider margins due to currency restrictions. TapTap Send (owned by WorldRemit group) offers zero-fee transfers to Nigeria — you pay only through the exchange rate margin, which makes it worth comparing for smaller amounts. Western Union and MoneyGram are useful when your recipient needs cash in a city without strong banking infrastructure.

FAQs

How long does a transfer from Germany to Nigeria take?

WorldRemit typically deliver to Nigerian bank accounts within 1–2 business days. Some providers offer express options for same-day delivery at higher fees. Cash pickup through Western Union or MoneyGram is usually available within minutes.

Which provider has the best EUR to NGN exchange rate?

Rates for EUR→NGN vary significantly between providers. Wise and WorldRemit are generally competitive. Due to Nigerian currency controls, some providers quote in USD rather than NGN — compare the recipient amount directly in our table to find the true best deal.

Are there restrictions on sending money to Nigeria from Germany?

Germany requires identity verification for all international transfers, typically via a passport or ID. Nigeria lifted many foreign exchange restrictions in recent years. Most reputable providers now offer direct NGN delivery, but confirm this before transferring.

Can I send money via mobile money to Nigeria from Germany?

Yes. Providers like WorldRemit support OPay and other Nigerian mobile money platforms. This is often faster than a bank transfer and well-suited for smaller amounts. Check which platforms your provider supports before sending.

Is TapTap Send a good option for Germany to Nigeria transfers?

TapTap Send offers zero fees for Nigeria-bound transfers, earning revenue only through a small exchange rate margin. For amounts under €500, this can make it very cost-competitive. It supports direct NGN bank delivery and is regulated in the EU. Worth comparing against WorldRemit for your specific amount.

What is the 10-digit Nigerian bank account number?

Nigerian bank accounts use a 10-digit NUBAN number (Nigeria Uniform Bank Account Number). This is not an IBAN. Your recipient can find it in their mobile banking app, by checking their bank statement, or by dialing *737# (for GTBank) or equivalent USSD codes for other banks. You need this number plus the bank name to send money.