Send money to the United States from Nigeria
Grey lets you send money from Nigeria to the United States directly from your NGN balance. The live NGN-to-USD rate and total fee are shown before you confirm. Wells Fargo and other major institutions are supported. Transfers from a funded Grey balance typically arrive 1-2 business days. Grey operates through CBN-licensed banking partners.
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Send money from Nigeria to the United States, straight to any bank account
When you send money from Nigeria through Grey, your NGN balance converts to USD at the live rate and lands directly in your recipient's bank account. Wells Fargo, Bank of America, Chase, Citibank, and all major US banks are all supported. Confirm the rate and fee, and send.
Your recipient does not need a Grey account. The USD arrives typically 1-2 business days. No branch visits, no intermediary banks, no delays at the other end.
The total cost of a transfer is the fee and the exchange rate together. Some services advertise zero fees but mark up the rate. Grey shows both numbers on the same screen before you tap Send.
How to send money to the United States from Nigeria
Sign up
Open a free Grey account on your phone in under five minutes. Verify your identity with a valid Nigerian ID. Grey operates through CBN-licensed banking partners.
Fund
Fund your Grey NGN balance via bank transfer or Direct Debit from your Nigerian bank account, or send directly from an existing Grey balance.
Send
Enter your recipient's bank account details. Confirm the live NGN-to-USD rate and fee. Send. The money typically arrives within 1-2 business days.
How much does it cost to send money to the United States
Every transfer from Nigeria to the United States involves two costs: the conversion fee and the exchange rate margin. Grey shows both before you confirm. The USD amount your recipient receives is on screen before you tap Send. NGN-to-USD is a Group A currency pair, which means Grey's conversion fee is capped at $6 regardless of the transfer amount.
How exchange rates work: NGN to USD
The NGN-to-USD exchange rate determines how much your recipient receives. On a large NGN transfer, a 1% difference in the rate is meaningful. Grey shows the live rate before you confirm. The rate on screen is the rate applied.
Grey charges a conversion fee of 1%, capped at $6. The withdrawal fee is 0.5% min $2 cap $10. Both are shown alongside the rate before you commit. That is the complete cost.
Some providers advertise zero fees but recover their margin through the exchange rate. On a large transfer, a 2% rate markup costs more than a visible fee would. Grey separates both so the total cost is clear before you send.
How fast is each provider?
Grey delivers to US bank accounts via ACH typically within 1-2 business days from a funded balance. Transfers are tracked end to end in the Grey app.
What your recipient sees in the United States
Your recipient does not need a Grey account. The USD arrives as a standard credit in their bank account. It appears the same way any local transfer would.
Bank account delivery
Grey sends to Wells Fargo, Bank of America, Chase, Citibank, and all major US banks. Enter the account details in the Grey app. Withdrawal fee: 0.5% of the transfer amount, minimum $2, capped at $10.
Transfer speed
Transfers from a funded Grey balance typically arrive 1-2 business days. Fund your Grey NGN balance in advance for the fastest possible transfer.
GreyTag transfers
If your recipient has a Grey account, send via GreyTag instead. GreyTag transfers are free and arrive within seconds, in any currency.
Ways to fund your transfer
Whether you are transferring money to the United States for the first time or the fiftieth, Grey gives you three funding options
Grey balance
If you already hold USD, GBP, or EUR in your Grey balance, you can send without a deposit step. Fund your balance in advance, and transfers go out immediately.
Bank transfer
Fund via bank transfer from your Nigerian bank account. Grey supports deposits from all major Nigerian banks.
Direct Debit
Fund via Direct Debit from your Nigerian bank account. Fee: 0.5% + N60. The fastest way to top up your Grey NGN balance.
Which option is cheapest? Grey displays the fee for each funding method before you confirm, so you can compare and choose. There is no penalty for switching between them.
Send money to the United States for every reason that matters
Support family in the US
A parent in Lagos covering their child's living expenses in New York. A family in Abuja sending monthly support to a daughter studying in Houston. A couple in Port Harcourt helping a sibling settle into Atlanta. On a recurring NGN transfer, a 1% rate difference compounds every month.
School fees and tuition
Paying tuition at a US university from a salary in Lagos. Covering semester fees at a college in Texas. Sending school allowance to a student in Boston every month. Grey shows the NGN amount debited and the USD amount received before you confirm.
Business and suppliers
A Lagos-based business paying a US supplier or software vendor in dollars. A Nigerian startup settling invoices with an American agency. A tech company in Abuja paying for US-based services and subscriptions. Grey supports USD transfers to US bank accounts without a separate business account.
Fund your US account
A Nigerian professional with a US bank account funding it from Nigeria. Moving money between your NGN Grey balance and your US dollar account. Managing currency across borders as an international professional. Grey shows the exact USD amount before you send.
Your reasons may be different, but the need is the same: the money has to get there, the cost has to be clear, and the app has to work the same way it did last month. Do it all on Grey, with the rate and fee shown before every transfer.
Best way to send money to the United States from Nigeria
A global money app you can actually trust
Over 3 million people across 80+ countries use Grey to move money across borders. Your transfers are protected with bank-grade encryption, and every payout is tracked end-to-end. You'll know exactly when the money lands, and so will the person receiving it. If you have any questions, our support team is one tap away.
FAQs
How long does it take to send money from Nigeria to the United States?
Transfers from a funded Grey balance to the United States typically arrive 1-2 business days. Fund your NGN balance in advance for the fastest transfer.
What is the fee for sending money from Nigeria to the United States?
Grey charges a 1% capped at $6 conversion fee on NGN to USD transfers. The withdrawal fee is 0.5% min $2 cap $10. Both are shown before you confirm.
What is the NGN to USD exchange rate today?
The live NGN to USD rate is shown inside the Grey app before you confirm your transfer. The rate at the time of confirmation is the rate applied. Grey does not adjust the rate after you send.
How do I send money from Nigeria to the United States with Grey?
Open a Grey account, fund your NGN balance via bank transfer or Direct Debit, confirm the live NGN to USD rate and fee, enter your recipient's details, and send. The money typically arrives 1-2 business days.
Does my recipient need a Grey account to receive money in the United States?
No. Your recipient does not need a Grey account. The USD arrives in their bank account as a standard credit.
Is Grey safe for sending money from Nigeria to the United States?
Grey operates through CBN-licensed banking partners in Nigeria. Grey is a financial technology company, not a bank. All transfers are processed under Nigerian financial regulations.
How much can I send from Nigeria to the United States?
The daily limit is $10,000 equivalent and the monthly limit is $30,000 equivalent. Limits are shown in the Grey app before you send.
Why is Grey's conversion fee for Nigeria to US capped?
NGN to USD is a Group A currency pair. Grey's conversion fee is 1%, capped at $6 regardless of the transfer amount. On a large transfer, the effective fee percentage drops below 1%.
Can I send money from Nigeria to the United States from a Grey balance?
Yes. If you hold NGN in your Grey balance, you can send to the United States without waiting for a new deposit. Transfers from a funded balance typically begin within seconds.
What currencies can I send from Nigeria with Grey?
Grey supports NGN to USD, NGN to GBP, NGN to EUR, and NGN to KES transfers. The conversion happens automatically at the live rate shown in the app before you confirm.
What happens if my transfer from Nigeria to the United States is delayed?
Most transfers from a funded Grey balance arrive 1-2 business days. If your transfer is taking longer than expected, check the transaction status in the Grey app. Contact Grey support if the delay exceeds 24 hours.
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