Send money from Nigeria to the Philippines
Two flows share this route. Filipino seafarers and engineers working out of Port Harcourt and Lagos supporting households in Manila, Cebu and Davao, and Nigerian buyers settling invoices with Philippine suppliers. Grey converts naira to pesos and delivers PHP to a Philippine bank account or to GCash and Maya.
NGN
PHP
-
Trusted by 3M+ people around the world
GOOGLE PLAY •22K REVIEWS
APP STORE • 12K REVIEWS
Naira to Philippine pesos, paid out locally
A rig contract in the Niger Delta or a berth on a vessel calling at Onne does not change what a household in the Philippines expects at the end of the month: a peso figure, on a date, into an account or a wallet they already use.
Grey converts your balance to PHP once and pays it to BDO, BPI, Metrobank, UnionBank, Landbank or PNB against the account number, or to a GCash or Maya wallet against a registered mobile number. From a funded balance the pesos typically arrive within minutes, and the person receiving them needs no Grey account.
Three steps from Nigeria to the Philippines
Sign up
Open the app and verify with your NIN slip, BVN or international passport. Most accounts opened in Nigeria clear verification within minutes, and opening one is free.
Fund
Send naira from GTBank, Zenith Bank, First Bank or UBA into your Grey account. Contract pay received in dollars can fund the peso transfer directly, with no naira leg.
Send
Choose a Philippine bank and enter the account number, or enter the GCash or Maya mobile number. Check the peso figure and the fee, then confirm.
The cost of getting pesos to Manila
Grey shows the NGN to PHP rate and the fee as two separate figures before the transfer leaves your balance. Nothing further is taken downstream, so the peso number you agreed is the peso number that lands.
That matters most on repeating payments. A monthly allotment that drifts by a small margin each time costs more over a year than any single transfer fee on this route.
A fixed rate on the day you send
Grey locks NGN to PHP when you confirm, not when the payout clears. If the market moves an hour later, the household in Manila still receives the amount printed on your receipt.
That is what lets you promise an exact figure to a family budgeting in pesos, or to a supplier who has already issued the proforma.
Why local peso delivery matters here
A conventional wire from a Nigerian bank to the Philippines passes through at least one intermediary, each with its own charge and its own timetable. Grey delivers pesos inside the Philippine system, so the credit appears as a domestic transfer rather than an inbound wire waiting on paperwork.
What your recipient in the Philippines sees
A normal PHP credit in the bank or wallet they already use. No collection code, no branch queue, no account to open.
Bank credit
Pesos into BDO, BPI, Metrobank, UnionBank, Landbank or PNB against the account number you enter.
GCash or Maya
Enter their registered mobile number and the pesos land in the wallet balance they spend from.
GreyTag
Between two Grey accounts the transfer is free and instant, in whichever currency you hold.
What to have ready
The account number and bank name, or the mobile number registered to the wallet. The name must match the account or wallet holder, which is the most common reason a peso payout is held up.
Naira transfer
From your Nigerian banking app into Grey, usually credited within minutes.
Existing balance
Dollars or euros already on Grey can pay the Philippine side without a naira conversion first.
Saved recipients
Store the Manila or Cebu details once and reuse them every month.
Repeat allotments then take a few taps, whichever rotation you are on, in Port Harcourt or back in Lagos.
What this corridor carries
Seafarers' allotments
Crew on vessels working Nigerian waters sending a fixed share home each month.
Expatriate households
Engineers, nurses and technicians posted to Lagos and Port Harcourt supporting families in Cebu and Davao.
Supplier payments
Nigerian buyers paying Philippine manufacturers for electronics, marine spares and packaged goods.
School fees
Tuition and boarding costs paid to schools and universities across Luzon and the Visayas.
Nigeria to the Philippines is a working route rather than a tourist one. It moves crew pay, household support and trade payments, and most of it repeats on a schedule.
The case for Grey on the Philippine route
FAQs
Which currency arrives in the Philippines?
Philippine pesos. Grey converts your Nigerian balance to PHP and pays it into a local bank account or an e-wallet as a domestic credit.
Can I send to GCash or Maya from Nigeria?
Yes. Enter the mobile number registered to the GCash or Maya wallet and the pesos land in that wallet balance.
Which Philippine banks can receive the money?
BDO, BPI, Metrobank, UnionBank, Landbank and PNB among others. Enter the account number and the bank name in the app.
Can seafarers send a fixed allotment each month?
Yes. Save the recipient once and each month's transfer repeats in a few taps, with the peso amount confirmed before it leaves your balance.
How do I put money on Grey in Nigeria?
By naira bank transfer from GTBank, Access Bank, Zenith Bank, First Bank, UBA or Kuda. The balance normally reflects within minutes.
Can I pay a Philippine supplier invoice?
Yes. Enter the supplier bank account details and Grey delivers pesos locally, so the invoice is settled without an inbound wire to clear.
Does the recipient need to install anything?
No. Pesos arrive in the bank account or wallet they already use. Only the sender in Nigeria holds a Grey account.
How fast does it arrive?
Transfers from a funded Grey balance typically arrive within minutes, to both Philippine bank accounts and mobile wallets.
Will the allotment my family expects change before it reaches Cebu?
No. The NGN to PHP rate is fixed at confirmation, so the peso figure shown is the figure credited to the account in Cebu.
Can I send from dollars rather than naira?
Yes. Dollars held on Grey convert directly to pesos, which suits contract pay received in foreign currency.
What does it cost a seafarer in Onne to open a Grey account?
Nothing. Registration is free, takes about five minutes on your phone, and needs a valid identity document such as a NIN slip or passport.
Get digital banking
at your fingertips
