Send money to Nigeria from Ireland
Grey converts euro to naira and pays into any major Nigerian bank account through NIBSS. GTBank, Access Bank, Zenith Bank, UBA, First Bank, Sterling Bank, Fidelity Bank and FCMB are all supported. You need the 10-digit NUBAN and the bank name. The rate and the fee are shown before you confirm.
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Naira into a 10-digit NUBAN account
A transfer from Ireland to Nigeria through Grey converts your euro to naira once and credits a Nigerian bank account over NIBSS, the domestic transfer network. What you need from your recipient is short: the 10-digit NUBAN account number and the name of their bank. GTBank, Access Bank, Zenith Bank, UBA, First Bank, Sterling Bank, Fidelity Bank and FCMB are all reachable, as are the other major Nigerian banks.
Both parts of that pair matter. The NUBAN is 10 digits, no more and no fewer, and it does not carry the bank inside it the way some other countries' account numbers do. Get the digits right and choose the correct bank from the list, and the credit lands where it should. That is the one piece of care this corridor asks of you.
The Nigerian community in Ireland has grown across several sectors rather than one. Nurses and doctors in HSE hospitals, software and finance staff in the Dublin multinationals, hospitality and logistics work in Cork, Drogheda and Balbriggan. Which is why the money going the other way is such a mix: household support in one direction, school fees in another, a building project outside Lagos in a third.
Your recipient needs no Grey account and no app. The naira appears in their existing bank account as a normal credit, the way a domestic transfer from someone in Nigeria would appear, and they can spend it immediately.
Sending to Nigeria in three steps
Sign up
A free Grey account opens on your phone in about five minutes. You verify once with a valid identity document, such as a passport or an Irish driving licence.
Fund
Put euro on your balance by SEPA payment from AIB, Bank of Ireland, Permanent TSB, An Post Money or a credit union, where it sits untouched until you send.
Send
Enter the 10-digit NUBAN and select the Nigerian bank. Confirm the euro to naira rate and the fee. The naira goes out through NIBSS.
What it costs to send euro to naira
The naira has moved a great deal in recent years, and that has taught anyone sending along this corridor to read the rate rather than the fee. A service quoting no fee while sitting several percent off the market rate is more expensive than one charging a visible amount and converting closer to the mark.
There is a practical consequence for how you send. If the naira amount is what has to be met, a school fee or a hospital bill, start from that figure and work back to the euro on the confirmation screen. If the euro amount is what you can afford, send it and let the naira fall where it falls. Deciding which of the two is fixed before you open the app saves a lot of second guessing.
How the euro to naira rate is fixed
Grey shows you the euro to naira rate it is offering, alongside the fee, before anything leaves your balance. That rate is fixed at the moment you confirm. The naira figure on screen is the naira figure credited to the NUBAN, and later movement in the market does not reach back into a transfer that has already gone.
On a currency that can move noticeably inside a single week, that fixing is the whole point. It is what lets you tell someone in Lagos or Enugu an exact amount and not have to correct it afterwards, and it is what makes a monthly commitment something you can plan rather than estimate.
Grey against an Irish bank transfer to Nigeria
Sending naira through AIB, Bank of Ireland or Permanent TSB means a correspondent banking route, where the visible fee is only part of the story. The exchange rate margin is rarely stated, an intermediary bank can take a deduction on the way, and the transfer can take days you had not planned for. Grey converts once, shows the rate and the fee together before you confirm, pays into the NUBAN through NIBSS, and tracks the transfer to settlement. Many people in Ireland already use Revolut, and this page is not an argument about which apps live on your phone. What Grey adds is a euro balance, a virtual Mastercard for online payments, GreyTag for free instant sends between Grey users, and a payout network built around corridors like Ireland to Nigeria.
What your recipient sees in Nigeria
Naira arrives in their Nigerian bank account as a standard credit through NIBSS, indistinguishable from a domestic transfer. No Grey account, no collection point, no code to quote to anyone.
Bank account payout
GTBank, Access Bank, Zenith Bank, UBA, First Bank, Sterling Bank, Fidelity Bank and FCMB are all supported. You enter the 10-digit NUBAN in the Grey app.
Delivery through NIBSS
Transfers sent from a funded euro balance typically arrive within minutes over NIBSS, the network Nigerian banks use for domestic transfers between themselves.
GreyTag between Grey users
Grey is widely used in Nigeria, so there is a fair chance your recipient already has a tag. Sending to it is free and instant, in any currency Grey supports.
Ways to put money into your Grey account
Three routines cover almost everyone sending from Ireland to Nigeria.
Monthly, after payday
A standing euro transfer from your Irish current account timed to your wages, so the money is on the balance before the date you usually send.
Termly, in one go
School fees come in blocks rather than monthly. Funding once per term and sending from the balance keeps the number of moving parts down.
From what is already there
Euro, USD provided by Lead Bank, or GBP already held in Grey converts and goes out with no deposit to wait on.
Save the NUBAN and the bank the first time you use them. It removes the part of this where people make mistakes, which is typing 10 digits from a screenshot at speed.
What people send from Ireland to Nigeria for
Household support
A monthly amount to parents or siblings covering food, electricity and transport, sent to the same NUBAN on the same date each month.
School and college fees
Termly payments for children, nieces and nephews, often to a school account rather than a family one. Exact naira figures, so the fixed rate is what makes it work.
Medical bills
Hospital deposits and treatment costs, usually needed the same day. This is the use where minutes rather than days is the difference that counts.
Property and business at home
Instalments to a builder in Lagos or Abuja, land payments, or capital into a family business. Larger sums, sent less often, straight into a Nigerian bank account.
The pattern is wider than remittance alone, because the community here spans several industries and several stages of life.
Why send to Nigeria with Grey
Most of what goes wrong on this corridor is small and avoidable: a mistyped account number, a rate nobody showed you, a transfer that vanishes into a correspondent bank for three days. None of those are exotic problems and none of them need to happen.
Grey asks for the NUBAN and the bank, shows the rate and the fee before you confirm, fixes the rate at that moment, and lets you follow the payment until the naira lands. That is the whole proposition on this page.
FAQs
What do I need to send naira from Ireland?
The recipient's 10-digit NUBAN account number and the name of their Nigerian bank. Nothing else is required at their end.
Which Nigerian banks can Grey pay into?
GTBank, Access Bank, Zenith Bank, UBA, First Bank, Sterling Bank, Fidelity Bank and FCMB, along with the other major Nigerian banks.
How does the naira actually reach the account?
Through NIBSS, the network Nigerian banks use between themselves, so the credit appears exactly like a domestic transfer would.
Is the euro to naira rate fixed before I send?
Yes. The rate and the fee appear on the confirmation screen, and the rate is fixed at the moment you confirm the transfer.
How long does a transfer from Ireland to Nigeria take?
Sent from a funded euro balance, transfers typically arrive within minutes over NIBSS rather than the days a correspondent bank route takes.
Does my family in Nigeria need a Grey account?
No. The naira lands in their existing bank account as an ordinary credit. They install nothing and collect nothing.
Does the NUBAN tell Grey which bank to use?
No. The 10-digit NUBAN does not carry the bank inside it, so you select the Nigerian bank separately when you send.
Can I send an exact naira amount for school fees?
Yes. The confirmation screen shows the naira your recipient receives, so you can work back to the euro the fee requires.
How do I put euro on my Grey balance before sending naira?
Euro reaches your balance by SEPA from AIB, Bank of Ireland, Permanent TSB, An Post Money or your credit union.
What if my recipient in Lagos already uses Grey?
Send to their GreyTag instead of the NUBAN. Transfers between Grey users are free and instant, in any supported currency.
Can I follow the transfer until the naira arrives?
Yes. Transfers are encrypted and trackable from the moment you confirm until they settle in the Nigerian account.
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