Send money internationally from Nigeria

Grey lets you send money internationally from Nigeria to the US, UK, Europe, and Kenya directly from your NGN balance. The live exchange rate and total fee are shown before you confirm. Most transfers arrive within minutes. Grey operates through CBN-licensed banking partners.

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Send money internationally from Nigeria

Grey is an international money transfer app for people in Nigeria who need to send money abroad. Fund your NGN balance, see the live exchange rate and fee, and send to the US, UK, Europe, or Kenya in minutes.

Grey operates through CBN-licensed banking partners in Nigeria. Grey is a financial technology company, not a bank. Over 3 million people use Grey for international transfers and currency management.

Every transfer shows the full cost before you confirm. The exchange rate and the fee are on the same screen. What you see is what your recipient receives.

Sign up

Open a free Grey account on your phone in under five minutes. Verify your identity with a valid Nigerian ID.

Fund

Fund your Grey NGN balance via bank transfer from any Nigerian bank, or via Direct Debit (0.5% + N60).

Send

Choose the destination country, confirm the live exchange rate and fee, enter your recipient's bank account details, and send. The money typically arrives within minutes.

Which currencies does Grey support from Nigeria?

Grey supports NGN-to-USD transfers to the United States, NGN-to-GBP transfers to the United Kingdom, NGN-to-EUR transfers to 30 European countries via SEPA, and NGN-to-KES transfers to Kenya. All transfers show the live rate and fee before you confirm.

On speed

Send NGN-to-USD directly to any US bank account. Wells Fargo, Bank of America, Chase, and all major US banks supported. NGN-to-USD is a Group A pair , conversion fee capped at $6.

On cost

Send NGN-to-GBP directly to any UK bank account via Faster Payments. Barclays, HSBC UK, Lloyds, NatWest, and all major UK banks supported. Typically arrives within minutes.

On transparency

NGN-to-USD, GBP, and EUR transfers have a conversion fee capped at $6. NGN-to-KES is a direct intra-Africa corridor. Select your destination in the Grey app to see the live rate and exact fee for your transfer.

How much does it cost to send money abroad

NGN-to-USD, GBP, and EUR are Group A currency pairs, which means Grey's conversion fee is capped at $6 regardless of the transfer amount. On a large transfer, the effective fee percentage drops below 1%. NGN-to-KES is a direct intra-Africa corridor handled without routing through USD or GBP.

Every international transfer involves two costs: the visible fee and the exchange rate margin. Most services hide their margin in the rate, so a transfer advertised as zero fees can quietly cost more than one with a transparent fee. The only way to compare providers accurately is to look at what your recipient actually receives in their local currency, not the fee number alone.

Grey shows both numbers separately before you tap Send: the transfer fee and the exchange rate applied to your transfer. You see exactly what your recipient will receive in their local currency before you confirm. There are no adjustments after the fact.

Where can you send money with Grey

Grey supports transfers to 80+ countries. Here are the corridors most used by Grey customers in Nigeria

See the full United States corridor page

Send money from Nigeria to United States

Send NGN-to-USD directly to any US bank account. Wells Fargo, Bank of America, Chase, and all major US banks supported. NGN-to-USD is a Group A pair , conversion fee capped at $6.

See the full United States corridor page

See the full United Kingdom corridor page

Send money from Nigeria to United Kingdom

Send NGN-to-GBP directly to any UK bank account via Faster Payments. Barclays, HSBC UK, Lloyds, NatWest, and all major UK banks supported. Typically arrives within minutes.

See the full United Kingdom corridor page

More destinations

Holy See (Vatican City State)

Best way to send money internationally from Nigeria

If total cost matters most

Compare what your recipient actually receives, not just the advertised fee. Grey shows the rate and fee separately. Banks bundle the margin into the exchange rate, making the true cost invisible. The best way to transfer money internationally is the one where your recipient gets the most.

If speed matters most

Transfers to the UK and Europe typically arrive within minutes from a funded Grey balance. Transfers to the US take 1-2 business days via ACH. Kenya M-Pesa transfers arrive in under a minute.

If you need more than just transfers

Grey is the only provider in this comparison that also gives you a multi-currency balance to hold USD, GBP, EUR, and NGN, virtual cards for online payments, and GreyTag for free transfers to other Grey users that typically arrive within seconds. One app, more than one job.

CBN-licensed partners

Grey operates through CBN-licensed banking partners in Nigeria. Grey is a financial technology company, not a bank. Every transfer is processed under Nigerian financial regulations.

What currencies can I send from Nigeria with Grey?

Grey currently supports NGN-to-USD (United States), NGN-to-GBP (United Kingdom), NGN-to-EUR (30 European countries via SEPA), and NGN-to-KES (Kenya via M-Pesa or bank account). All four corridors show the live exchange rate and fee before you confirm. The NGN-to-USD, GBP, and EUR conversion fee is capped at $6 regardless of the transfer amount. NGN-to-KES is a direct intra-Africa corridor with no USD or GBP routing.

Your Nigerian NGN converts to USD and lands in your recipient's US bank account. They receive it as a standard ACH credit. No foreign account needed on your end.

Your NGN converts to GBP and arrives in your recipient's UK bank account via Faster Payments, typically within minutes. No UK account required on your end.

Western Union lets you send NGN to cash pickup locations in some markets, but charges a higher combined fee and exchange rate margin than Grey on most corridors. Grey delivers directly to bank accounts and mobile wallets with a transparent fee shown before you confirm.

PayPal and Xoom support some NGN send corridors but are not available for Nigeria outbound transfers in most markets. Grey supports NGN-to-USD, GBP, EUR, and KES with the live rate and fee shown before every transfer.

3 million people across 80+ countries trust Grey to move their money

FAQs

What countries can I send money to from Nigeria with Grey?

Grey supports NGN to USD transfers to the United States, NGN to GBP transfers to the United Kingdom, NGN to EUR transfers to 30 European countries via SEPA, and NGN to KES transfers to Kenya. More corridors are added as Grey expands.

How do I send money internationally from Nigeria with Grey?

Open a free Grey account, fund your NGN balance via bank transfer or Direct Debit from your Nigerian bank, confirm the live exchange rate and fee, enter your recipient's bank details, and send. The rate and fee are both shown before you confirm.

What are the fees for sending money from Nigeria?

Grey charges a conversion fee of 1% (capped at $6 for USD, GBP, and EUR) or 1% uncapped (for KES). The withdrawal fee varies by destination. All fees are shown before you confirm.

How long does an international transfer from Nigeria take?

Most transfers to the UK and Europe arrive within minutes from a funded Grey balance. Transfers to the US take 1-2 business days via ACH. Kenya M-Pesa transfers arrive in under a minute.

Is Grey regulated in Nigeria?

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 do I fund my Grey account from Nigeria?

You can fund your Grey NGN balance via bank transfer from any Nigerian bank, or via Direct Debit (fee: 0.5% + N60). Once your NGN balance is funded, you can convert and send internationally.

What is the exchange rate Grey uses for transfers from Nigeria?

Grey uses a live exchange rate shown in the app before you confirm your transfer. The rate at the time of confirmation is the rate applied. Grey shows the rate and fee separately so you can calculate the total cost before sending.

How much can I send internationally from Nigeria with Grey?

The daily limit is $10,000 equivalent and the monthly limit is $30,000 equivalent. Per-transfer limits vary by corridor and are shown in the Grey app.

Can I send money from a Grey NGN balance without a new deposit?

Yes. If you already hold NGN in your Grey balance, you can send internationally without waiting for a new deposit. Transfers from a funded balance begin within seconds.

Does Grey support intra-Africa transfers from Nigeria?

Yes. Grey supports NGN to KES transfers to Kenya directly, without routing through USD or GBP. M-Pesa delivery is available and arrives in under a minute.

Can Nigerian businesses use Grey for international payments?

Yes. Grey supports business payments from Nigeria to the US, UK, Europe, and Kenya. Payments go to bank accounts in those countries without requiring a separate business account.

Send money internationally from Nigeria

Send money internationally from Nigeria

Sign up

Fund

Send

Which currencies does Grey support from Nigeria?

On speed

On cost

On transparency

How much does it cost to send money abroad

Where can you send money with Grey

More destinations

Best way to send money internationally from Nigeria

What currencies can I send from Nigeria with Grey?

3 million people across 80+ countries trust Grey to move their money

FAQs

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