How to send money overseas from Nigeria without leaving your house


This Article was Reviewed by The Chief Editor, Godfrey

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Have you ever wondered how people send money overseas? It might seem like a difficult task, but there are several easy and convenient ways to send funds overseas from Nigeria. You don’t even have to go to the black market and change your naira to the dollar before sending them abroad. You don’t even have to leave your house at all. 

Yes, you can send money from Nigeria to any other country without leaving your house. The problem is that you have no idea how. It can be a confusing and frustrating process, especially if you are just getting started with international payments. 

How to send money overseas from Nigeria without leaving your house

There are a number of ways that you can use to send money from Nigeria, no matter where you are located. Some methods involve leaving your home, but in this article, we will be showing mostly methods you can use to send money abroad without actually leaving your home. 

If you have relatives or dependents in the UK or the US, or anywhere in the world, this article will reveal nine ways to send money from Nigeria without any hassle.

1. Wise

Wise is one of the best and most popular ways to send money overseas from Nigeria to any location in the world. Wise is an online platform where you can send and receive naira into your account. You can send money abroad using just your mobile phone.

To open a wise account, click here. Its free.

How to send money overseas from Nigeria with Wise

To use wise, just head over to their website and register as a user. Then, set up an account for yourself. Wise claims to be a platform where you can send money with no hidden fees. 

Once you have set up an account, you can send money using three different methods. You can either pay using your account balance, upload funds to your Wise wallet, or send money online. 

With wise, you can receive and hold payment in about 53 currencies. You can receive your money in a number of supported Nigerian banks and acquire cash from over 5000 ATMs in the country. 

Wise is available in Nigeria and more than 50 other countries. They also have a mobile application that you can use to send money and receive funds through your phone.

2. Cryptocurrency

One of the easiest ways to send money abroad from Nigeria is by using cryptocurrencies. These are digital currencies that allow you to pay for goods and services without using a bank.

How to send money overseas from Nigeria using cryptocurrency

There are several cryptocurrencies on the market, including Bitcoin, Litecoin, and Ethereum. You can convert your naira into any one of these currency types and use them to send money abroad from Nigeria.

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There are some cryptocurrencies that are categorized as stable coins. These coins, such as USDT and Tether, are pegged in value to the US dollar. As such, you can count on them to remain stable. 

That means that whenever you send money overseas, you can count on the value of the coin to remain stable and not lose any of its value. 

To get started with cryptocurrencies such as USDT or Tether, the first thing you need to do is get a cryptocurrency wallet. Wallets are platforms where you keep your cryptocurrencies, and they can be online or offline. Once you have them, you will be able to send and receive payments abroad from Nigeria. To learn more about cryptocurrencies, see this article.

3. Domiciliary Account

If you want a more traditional way to send money overseas from Nigeria, you can do it through your domiciliary account. You can set up a domiciliary account even if you are not living in the country. This type of account is usually used by expatriates and people who have family or business holdings overseas.

With the advanced banking system in Nigeria, you can make fund transfers abroad from Nigeria either by visiting the banking hall, calling your account manager, or even online banking.

4. Paypal

Paypal is a popular way to send money abroad from Nigeria without leaving your house. You can use it to send money through mobile or online transactions. 

Paypal allows you to make online transactions, pay for goods and services, get access to your PayPal account, request refunds, and more. Once you have your emails verified, you are able to send and receive money using the PayPal app on your phone or computer.

There are fees involved with using Paypal, but the fees tend not to be very high in comparison to other payment processors like Cryptocurrency. In fact, Paypal has been recognized as one of the most popular payment processors around the world. It allows you to send money from Nigeria to anywhere in the world.

PayPal didn’t accept Nigerians and it was impossible to send money overseas with PayPal, but now it does if you open a business account. But that hasn’t stopped Nigerians from using PayPal in Nigeria. To learn how to open a PayPal account in Nigeria, check this article here.

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5. Skrill

Skrill is a platform like PayPal that allows you to send money overseas from Nigeria without leaving your house. The great thing about Skrill is that it doesn’t charge any hidden fees.

To send money using Skrill, you can use the website or their mobile app. It’s simple and fast. Once you have set up an account with Skrill, you can be able to send and receive money through your phone or computer. 

Skrill has been in operation for years, and it has millions of users worldwide. It offers support for more than 20 currencies, including the US dollar, British pound, Euro, and several others. 

6. Payoneer

Payoneer is another platform that is used to send money abroad from Nigeria. It is like Skrill and PayPal.

To use Payoneer to send money overseas from Nigeria, you can either visit their website or you can use their app. You can make payments using your debit card or credit card with Payoneer.

Once you send money from your Payoneer account, the money is usually available in your bank account within a few hours. Some people also use Payoneer to pay for goods and services online and for sending and receiving money from overseas.

7. Western Union

If you need to send money abroad from Nigeria in a hurry, Western Union would be a good option. It is one of the most reliable ways to transfer funds from Nigeria to any country such as the US or the UK. 

You can use cash, checks, and bank transfers to send money using Western Union. Western Union is an effective way for individuals and businesses to transfer money abroad from Nigeria fast. You can send money anywhere around the world using their services. They are available all over the country, with receivers in more than 200 countries.

To get started with western union, you can visit one of the many branches in Nigeria, usually located within the banking premises of Nigerian Banks. 

8. MoneyGram

MoneyGram is another great service for sending money abroad from Nigeria. They are a huge company that has been providing international money transfers for over a decade now. Just like Western Union, they are available in more than 200 countries, and they have more than 300,000 cash pickup locations.

They offer numerous services through their various websites, such as sending money internationally and receiving money internationally. You can make withdrawals in over 200 countries using your MoneyGram account. These include many locations in the US, Europe, and Asia. 

To get started with Money gram, you simply go to their website or app to find out the best place to make your first deposit (you will want to do this at a local bank branch).

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9. Neteller

Neteller is a payment processing platform that is similar to PayPal, Skrill, and Western Union that Nigerians can use to send money overseas. It allows you to send money in a similar way to Paypal and Western Union. 

You can send USD, EUR, GBP, and other currencies through Neteller. Once you deposit money into your account via bank transfer or prepaid card (either debit or credit), all that you need to do is use the Neteller app on your phone or computer to send money both domestically and internationally. 

There are no hidden fees as with other payment processors. Most people use Neteller in combination with their bank account since they offer lower transaction fees than other platforms.


This article gave you a few of the most popular ways to send money abroad from Nigeria. All of these methods are relatively safe and free from scams (though some are safer than others). 

However, as you can see, Cryptocurrency is not a legally recognized form of payment in Nigeria. Therefore, if you use Cryptocurrency to send money abroad from Nigeria, you will either be in breach of the law or at risk of losing your hard-earned money. 

But this rarely ever happens, so we can confidently say that Cryptocurrency is a viable way of sending money abroad from Nigeria. In fact, it is the most straightforward way so far.

If you have used any of these methods before or know other ways to send money abroad from Nigeria, please share with us by leaving a comment in the comment section below.


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About the Chief Editor

Godfrey Ogbo, the Chief Editor and CEO of AtlanticRide, merges his environmental management expertise with extensive business experience, including in real estate. With a master's degree and a knack for engaging writing, he adeptly covers complex growth and business topics. His analytical approach and business insights enrich the blog, making it a go-to source for readers seeking thoughtful and informed content.

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