Send money to Nigeria from Canada

Submit a government-issued ID to complete this one-time FINTRAC requirement, which verifies who you are and determines your sending limit, including how much you can transfer to Nigeria per transaction.

Choose your delivery method — bank deposit, mobile wallet, or cash pickup — then enter your recipient's details. For a bank deposit, you need their 10-digit NUBAN account number and bank name; Nigeria uses NUBAN identifiers rather than IBANs, so this is the correct format to ask for.

Enter the CAD amount you want to send, and the live CAD to NGN exchange rate, along with the exact naira your recipient will receive, is shown before you proceed — what you see is what they get.

Fund your transfer via Interac e-Transfer, EFT, debit card, or bill payment, with transfers above $500 CAD via e-Transfer, EFT, or bill payment costing nothing in service fees.

Review the NGN amount, exchange rate, and fee on one screen, and once you confirm, the transfer locks in immediately with no changes thereafter.

Follow your money from Canada all the way to a naira account at First Bank of Nigeria, Access Bank, GT Bank, Zenith Bank, or whichever institution your family uses — live status updates cover every stage.

Pay with your Visa or Mastercard debit, and the transfer starts right away, with funds leaving your account immediately so your family in Lagos, Abuja, or Port Harcourt can receive support the same day.

Send the e-Transfer the same way you would to any contact in your banking app, and once it's received on our end, it's applied to your transfer and moves toward Nigeria within minutes.

Pay through your bank's online portal or in person at a branch — a one-business-day option best suited to planned transfers where sending costs matter more than same-day arrival.

Connect your Canadian bank account directly so funds are pulled automatically, making EFT the most straightforward method for anyone sending to Nigeria on a regular schedule without wanting to initiate each transfer manually.

Load your CAD balance in advance so your next transfer to Nigeria goes out the moment you confirm it — no funding wait, no processing window, and no dependency on when your bank clears the transaction.

Live rates updated in real time, with a margin of 0.3 to 0.5% against the 3 to 4% spread banks apply to wire conversions — your family gets more naira on every transfer, and the gap in their favor grows with the amount you send.

Send above $500 CAD via Interac e-Transfer, EFT, or bill payment, and no service fee applies — the full CAD amount converts to NGN with only the exchange rate margin, and nothing else is deducted on top.

One screen shows the exact NGN amount, the CAD to NGN rate, and the applicable fee before you confirm anything, so the number your family in Lagos or Abuja expects is the same number that arrives in their account.

Every transfer has live status updates from CAD debit through to NGN credit — received, in transit, arrived in Nigeria, and credited to the account — so you always know where the money is, and your family doesn't have to wait for a call to know it arrived.

Every transfer is fully guaranteed, and if something goes wrong on our end, your money is covered in full, because the people counting on what you sent shouldn't have to follow up to find out whether it actually got there.