Best Apps To Send Money From UK to Nigeria

This guide highlights seven (7) of the best money transfer apps to send money from the UK to Nigeria.

How To Send Money From The UK to Nigeria 

Wondering how to send money from the UK to Nigeria efficiently and in a way that saves you some extra bucks? You’re not alone. 

Whether you’re an individual seeking to help family back home, or a business owner making cross-border payments, the need for a seamless, cost-effective money transfer system cannot be overemphasized. Thanks to the rapid advancement in technology, there are now a number of money transfer apps that can help you send money from the UK to Nigeria without the hassles. 

This guide highlights seven (7) of the best money transfer apps to send money from the UK to Nigeria. Each of these platforms varies in fees, exchange rates, transfer time, delivery options, and overall user experience. Let’s find out

7 Best Apps To Send Money From UK to Nigeria

1. YoguPay

If you are seeking a cost-effective and easy-to-use platform to transfer money from the UK to Nigeria, look no further than YoguPay. With a blend of innovation and efficiency, it streamlines the money transfer process, making it smooth, speedy, and secure. 

With YoguPay, you can send money directly to the recipient’s local bank account or mobile wallet. This means your loved ones or business associates in Nigeria can receive money without the need for them to visit a bank or agent. 

The app offers real-time tracking, allowing you to monitor your transfers every step of the way. Plus, it provides an unprecedented level of transaction security with its state-of-the-art encryption technology. So, you can rest easy knowing that your financial details are safe. 

One significant advantage of YoguPay is the low transfer fees it provides. This means you get to save more while making your international transfers. Plus, it offers competitive exchange rates that are usually within a small percentage of the mid-market rate. 

YoguPay also puts usability at the forefront of its design, with an easy-to-use interface. The app is designed with the end user in mind, meaning that you don’t have to be a tech whizz to navigate the platform. 

Furthermore, YoguPay is FCA ( Financial Conduct Authority) regulated in the UK, so you can rest assured that your money is in the safest hands. Also, the platform provides a dedicated team ready to help you with any issues or queries, offering you peace of mind during your transaction process. 

Overall, YoguPay simplifies the entire money transfer process, making it easier than ever to send money from the UK to Nigeria. With its convenient features and attention to user experience, YoguPay has firmly positioned itself as a top choice in the world of digital remittances.

2. Remitly

Moving to our next pick, Remitly is a reliable and innovative money transfer service that has won over users looking to send money from the UK to Nigeria. Their three-million-strong user base is a testament to their unbeatable customer service and high-speed transfers. 

What places Remitly a notch above? 

Express Transfers- Remitly offers an Express option leveraging debit card payments that can transfer your money in minutes. This comes particularly handy for emergency situations where every second counts. 

No Charges on first transaction- Remitly offers a ‘zero transaction fee’ for your first money transfer. This provides a fantastic opportunity for first-time users to test the waters without worrying about additional costs. 

Money Delivery Options- It extends both cash pick-up and bank deposit as options for the recipient. You, as a sender, have the flexibility to choose an option that’s most convenient to your recipient. 

Secure Transactions- With 256-bit SSL encryption, you can rest assured of secure transactions. Remitly is authorized by the Financial Conduct Authority, ensuring your hard-earned money is being handled responsibly. 

Moreso, Remitly offers an intuitive app that harmonizes quick and hassle-free transfers, even for non-tech-savvy users. The app comes with a live exchange rate tracker and a transfer status update feature, keeping you informed all through the process. In the event you run into difficulties or have questions, their customer service is available 24/7 to ensure smooth and seamless transactions. 

Overall, Remitly proves itself to be a fine blend of speed, affordability, security, and convenience, making it a sought-after choice for users who need to send money from the UK to Nigeria.

3. Flutterwave

Living in an increasingly digital world necessitates efficient and hassle-free cross-border transfers. For those in the UK with financial commitments in Nigeria, Flutterwave provides an exceptional solution. 

Founded in 2016, Flutterwave’s mission has been to simplify payments for endless possibilities using technology. 

With its innovative payment solutions, Flutterwave stands out for its ability to facilitate seamless and secure transactions between the UK and Nigeria. This makes it a go-to app for individuals and businesses needing to move money between these two countries. 

With Flutterwave, you can send money directly to a bank account in Nigeria. It also allows you to receive payments from anyone, anywhere in the world. Although the transfer speed might largely depend on the banking institution, the transfers are typically completed within minutes.

More so, As a Central Bank of Nigeria licensed Mobile Money Operator, Flutterwave operates under strict regulatory standards. This ensures your money is safe at all times.

Flutterwave employs a user-friendly interface that is easy to navigate, even for first-time users. Setting up an account is straightforward, and the company’s customer service is reliable when you need assistance. 

Overall, this financial platform transforms the process of sending money from the UK to Nigeria, offering a solution that is quick, secure, and user-friendly.

4. Wise

Wise (formerly known as TransferWise) has been making waves across the globe, and it’s no different when it comes to transfers from the UK to Nigeria. Renowned for its transparency and affordability, the Wise platform has been a saving grace for many seeking to bypass hidden costs and high fees typically associated with international money transfers. 

Wise operates under a simple, yet highly effective philosophy – that sending money abroad should be as easy and inexpensive as sending it next door. 

What makes it stand out? It’s all down to its unique features: 

  • Transparent Pricing: No hidden costs here. You’re provided a detailed breakdown of fees before you make the transfer.
  • Competitive rates: Wise uses the real mid-market exchange rates, ensuring you get the best deal on your transfers.
  • Multi-currency account: A handy feature that allows you to hold and manage money in multiple currencies.
  • Speed: With Wise, your money almost always arrives within one business day, and sometimes within seconds.

The platform walks you through every step, reducing the risk of errors and providing clarity about when your money will arrive at its destination. Moreover, regular updates on transfer progress keep you informed and secure in the knowledge that your money is on the move.

Wise thrives on the mission where everyone can send and spend money across borders at fair rates. So, if you’re looking for a cost-effective and friendly way to send money from the UK to Nigeria, Wise definitely deserves your consideration.

5. ChipperCash 

Originating as a Pan-African venture, ChipperCash has scaled up considerably, becoming a popular platform for users across Africa, including Nigeria, and for foreign users who frequently transfer money to Africa. 

What sets Chipper Cash apart is its focus on providing cost-effective, swift money transfers. The app also guarantees an impressive transfer speed, ensuring your money reaches the intended Nigerian account promptly. 

Additionally, Chipper Cash supports multiple currencies, allowing you to send money from the UK to Nigeria with ease. This means you can make a transfer in GBP, and the recipient in Nigeria can receive it in the local Nigerian Naira, reducing the hassle of dealing with currency conversion yourself. 

The app is user-friendly, with a clean, easy-to-navigate interface that simplifies the process of sending money. Furthermore, the platform has additional security features to protect users’ money and ensure secure transactions. Users can be assured they are using a safe, dependable application for their international money transfers. 

Along with these compelling aspects, the app also provides the added convenience of airtime top-ups, bill payments, and a function to request money, enhancing the overall money transfer experience.

6. Kuda Bank 

When it comes to offering an innovative and reliable service, Kuda Bank stands as a strong contender in the realm of money transfer applications. This digital-only bank is specifically designed with the customer in mind, promising a smooth, fast, and cost-efficient way of conducting transactions. 

What sets Kuda Bank apart from the competition is its focus on eradicating the unnecessary bank charges that have long plagued traditional banking systems. When using Kuda’s services, you’ll notice significant savings as they provide free card maintenance and 25 free monthly transfers to other banks. Their commitment to using technology to their advantage showcases their innovative approach to handling your money. 

When it comes to security, Kuda Bank has you covered. Your account can be secured with a password, a PIN, or fingerprint authentication before transactions can be approved, providing multiple layers of security. Additionally, their customer care service is available round the clock, ready to assist in any issues ranging from transaction inquiries to troubleshooting app issues.

Kuda Bank’s mobile app is known for its clean, user-friendly interface that makes transactions a breeze. You can send money to anyone, pay bills, buy airtime, and even request money from friends and family.

Whether you’re looking to make a simple transfer or want to schedule payments, Kuda allows for a flexible and streamlined experience. And while transactions are processed in the local currency, Naira, you can effortlessly send money to Nigeria from the UK. 

7. Paysend 

Paysend aims to simplify global money transfers, combining sophisticated technology with a straightforward interface. It’s designed to connect billions of cards across the globe, ensuring your money reaches international shores securely and efficiently. 

The security of your money is a top priority for Paysend. With their enhanced security measures, including 3D secure protocol and top-of-the-line encryption, you can rest assured your transactions are safe and secure. Quality service and customer satisfaction are at the heart of their operations, and they’re committed to providing a hassle-free experience for anyone looking to send money from the UK to Nigeria. 

Whether you’re sending money to a friend, family, or business partner in Nigeria, Paysend offers a reliable and efficient solution for all your international money transfer needs.

The bank’s automated savings feature lets you decide how much you want to save and when, and it does the rest for you. This means you can easily build up a nest egg or reach specific savings goals while focusing on other important aspects of your life. Kuda Bank also offers overdrafts that allow you to send money when your account balance is low. 


In conclusion, choosing the right app to send money from the UK to Nigeria comes down to factors like cost, convenience, speed of transfer, exchange rates, and user experience. Each app mentioned in this article – YoguPay, Remitly, Wise, Flutterwave, ChipperCash, Kuda Bank, and Paysend offers unique features and services. It’s about finding the one that suits your individual needs or the needs of your business. 

Personal users might prioritize speed and low transfer fees, while businesses may need the robustness of various integrations, scalability, and features for bulk transactions. YoguPay and Wise are good options for both personal and business users with their comprehensive offerings. 

For those concerned with cost efficiency, ChipperCash and Paysend both offer great rates and low fees, making them ideal for regular transactions. They also provide a straightforward and user-friendly mobile app experience. 

If speed and convenience are your top considerations, then Kuda Bank and Remitly serve as sound choices as they guarantee fast transfers and a seamless user experience. From simplified onboarding procedures to interactive and clear user interfaces, these apps eradicate the complexities of cross-border transactions. 

For tech-savvy businesses, Flutterwave, with its seamless cross-border payment platform and security features, might be the most satisfying. It’s a great fusion of cutting-edge technology and security compliance, ensuring safe and hassle-free transfers every time. 

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