Send money from Nigeria to Cote d'Ivoire
Seen from Lagos, the corridor looks like this. Abidjan is francophone West Africa's commercial hub, and African traders and families have been settled there for generations. From Lagos, Grey pays XOF straight into a bank account in Côte d'Ivoire, with the rate and fee shown before you tap send.
NGN
XOF
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Why Lagos to Abidjan needs a proper rate
Lagos and Abuja are the sending hubs. Nigerians pay tuition, suppliers and family abroad, and a growing number earn in dollars from foreign clients.
On the Abidjan side, the pattern is different. Abidjan is francophone West Africa's commercial hub, and African traders and families have been settled there for generations. Grey pays CFA francs into any bank in Côte d'Ivoire, including SGBCI, Ecobank Côte d'Ivoire, NSIA Banque, BICICI. You see the exact XOF amount before you confirm, and that's the amount that arrives.
How sending to Cote d'Ivoire works
Sign up
Verify once with your NIN slip, BVN or international passport. From then on, sending to Côte d'Ivoire or anywhere else is a saved recipient and three taps. Grey works with licensed partners in Nigeria and is registered with the CBN.
Fund
Add naira from GTBank, Access Bank, Zenith, UBA or First Bank. The balance shows in the app straight away, ready to convert to XOF when you need it.
Send
Paste the recipient's RIB, check the NGN to XOF rate Grey quotes in Lagos, and send. The CFA francs land as a domestic credit.
Where the money goes on Nigeria to Côte d'Ivoire
Grey converts NGN to XOF in one step for senders in Lagos, shows the rate and the fee as two separate numbers, and locks both before you confirm. No second conversion, no deduction at SGBCI.
Fixed from Lagos to Abidjan
Grey fixes the NGN to XOF rate at the moment you confirm. The XOF amount doesn't move after that.
When you've calculated exactly what a month in Abidjan costs from Lagos, the number needs to hold.
Why this route is priced badly elsewhere
On this route from Lagos, the reason to switch is simple. Abidjan is a serious trade hub, yet the payments behind that trade are often priced like small gifts with wide spreads nobody questions. That's the standard Grey works to for a sender in Lagos: NGN to XOF quoted directly, delivered to SGBCI.
Delivered like a local payment
XOF at SGBCI, or any other bank in Côte d'Ivoire, as a straightforward deposit. The recipient in Abidjan doesn't see Grey, doesn't need Grey, and isn't charged by Grey. You in Lagos see settled in the app.
Any bank in Côte d'Ivoire
Bank name plus account number. The XOF lands directly.
Saved details
Save a landlord, school or supplier once for repeat transfers.
Payment records
Each transfer is logged with the rate and fee for your own reconciliation.
Where senders to Abidjan start
Most Nigerian senders top up in naira and convert to XOF on the day. Nigerians top up in naira by bank transfer from GTBank, Access, Zenith, UBA or any other Nigerian bank, and the balance usually shows within minutes. Anyone paid in dollars by a foreign client can send from that USD balance and skip the naira leg.
Top up once
Move a month's worth of naira in and send to Abidjan as needed.
Earn in foreign currency?
Send from that balance and avoid a double conversion.
Convert on the due date
Hold naira, convert to XOF when the payment is actually due.
Most senders from Lagos to Abidjan settle into a rhythm: top up on payday, convert on the due date, done.
What this route is used for
Students
Fees at Félix Houphouët-Boigny University and private institutes in Cocody.
Business
Paying Abidjan-based staff, agents and contractors in CFA francs.
Family support
Monthly transfers to relatives in Abidjan, Bouaké, Yamoussoukro and San-Pédro.
Trade
Payments to suppliers and market stallholders in Adjamé and Treichville.
Three kinds of sender use this route from Lagos: families with someone in Abidjan, parents of students, and businesses with a supplier or contractor in Côte d'Ivoire. Abidjan is francophone West Africa's commercial hub, and African traders and families have been settled there for generations.
What Grey does differently on this route
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