Can someone in Germany send money to someone in Nigeria? Generally, Yes You can  send money from Germany to Nigeria efficiently, consider using top-rated services like Wise for low fees, Western Union for quick cash pickups, PayPal for secure transfers, Remitly for speed, and Xoom for instant transactions

Sending money internationally can be challenging, especially when transferring funds from Germany to Nigeria.

Understanding the various methods available can help ensure your money arrives safely and quickly.

Whether you’re supporting family, making business transactions, or sending gifts, there’s an option tailored to your needs.This article outlines the 20 best ways how someone in Germany can send money to someone in Nigeria, covering their features, pros, and cons.

20 Best Ways How Can Someone in Germany Send Money to Someone in Nigeria?

1. Wise (formerly TransferWise)

Wise is a popular choice for sending money from Germany to Nigeria. It offers low-cost international transfers with transparent fees, making it a reliable option. The process is straightforward: users can set up an account and make transfers directly to a Nigerian bank account.

Wise prides itself on providing competitive exchange rates, which can significantly reduce the total cost of sending money. Another way someone in Germany can send money to someone in Nigeria is by using Wise’s user-friendly platform, which simplifies the entire process. The speed of transfers is also commendable, usually completed within a day.

Pros:

• Low fees
• Competitive exchange rates
• Fast transfers
• User-friendly interface
• Secure transactions
• Transparent pricing
• Wide coverage

Cons:

• Limited payment methods
• Requires account setup
• Not available for cash pickup

2. PayPal

Another way someone in Germany can send money to someone in Nigeria is through PayPal. This platform allows for international money transfers directly to the recipient’s PayPal account. Once the money is in the recipient’s PayPal account, they can easily link it to a local bank account in Nigeria for withdrawal. PayPal is widely recognized and offers a secure environment for transactions. Transfers are typically fast, making it an appealing option for urgent payments. However, the fees associated with PayPal can be higher compared to other methods, which is something to consider.

Pros:

• Widely used
• Secure platform
• Fast transfers
• Familiarity for users
• Mobile app availability
• Currency conversion options
• Buyer protection

Cons:

• Higher fees
• Exchange rate markups
• Limited availability in some areas

3. WorldRemit

WorldRemit is another viable option for sending money from Germany to Nigeria. It offers a variety of ways to transfer funds, including bank deposits, cash pickups, and mobile money options.

This flexibility is one of its strong points, catering to different recipient preferences. Using WorldRemit, someone in Germany can send money quickly, usually within minutes, depending on the chosen transfer method.

The competitive rates make it an attractive choice for those looking to minimize costs. However, it’s essential to be aware that fees can be higher for smaller amounts, which may impact the total amount received.

Pros:

• Multiple delivery options
• Fast transfers
• Competitive rates
• User-friendly app
• Secure platform
• Global reach
• Real-time tracking

Cons:

• Higher fees for small amounts
• Exchange rate markups
• Limited customer support hours

4. Western Union

Another traditional method to send money from Germany to Nigeria is through Western Union. With its extensive network, Western Union allows for international money transfer services that offer options for cash pickup or direct bank deposits. The convenience of being able to collect cash at numerous locations in Nigeria makes it a favored choice for many. The process is straightforward, and transfers can be completed relatively quickly. However, the fees associated with Western Union are often considered high, which is an important factor to weigh when choosing this option. Moreover, exchange rate markups can reduce the amount the recipient ultimately receives.

Pros:

• Extensive network
• Multiple delivery options
• Reliable service
• Quick transfers
• Established brand
• Cash pickup locations
• Global coverage

Cons:

• High fees
• Exchange rate markups
• Complex fee structure

5. MoneyGram

MoneyGram is a reliable service that facilitates money transfers from Germany to Nigeria. Similar to Western Union, it offers options for cash pickups or direct bank deposits.

Users can quickly send funds, making it an excellent option for those needing to send money urgently.

MoneyGram has a broad network, ensuring that recipients can easily access their funds at multiple locations in Nigeria. However, as with many money transfer services, fees can be relatively high, and exchange rate markups may apply. It’s essential to review these costs to understand the total transaction value.

Pros:

• Wide network
• Fast transfers
• Reliable service
• Convenient cash pickup
• Easy to use
• Flexible payment options
• Secure transactions

Cons:

• High fees
• Exchange rate markups
• Limited online services

6. Ria Money Transfer

Another way someone in Germany can send money to someone in Nigeria is through Ria Money Transfer. Ria offers competitive rates for international money transfers, allowing users to send funds directly to Nigerian bank accounts or for cash pickups. The platform is user-friendly and designed to make the transfer process simple.

Ria is known for its fast transfers, often completing transactions within minutes. However, fees can be high, particularly for smaller amounts, which may deter some users. Exchange rate markups can also affect the final amount received, so it’s essential to check rates before making a transfer.

Pros:

• Competitive rates
• Fast transfers
• Wide network
• User-friendly interface
• Multiple delivery options
• Secure service
• Tracking features

Cons:

• Fees can be high
• Exchange rate markups
• Limited customer support

7. Remitly

Remitly provides another option for sending money from Germany to Nigeria. Users can choose between two services: Express, which offers faster transfers but at a higher cost, and Economy, which is slower but more affordable.

This flexibility allows users to select the option that best suits their needs. Remitly’s competitive rates and various delivery options make it an attractive choice.

The ease of transferring money through its app is another benefit. However, the higher fees for express service may not appeal to everyone, and exchange rate markups can further impact the transaction.

Pros:

• Competitive rates
• Fast transfers
• Multiple delivery options
• User-friendly app
• Flexible service levels
• Secure transactions
• Real-time notifications

Cons:

• Higher fees for express service
• Exchange rate markups
• Limited payment options

8. Azimo

Azimo is a digital money transfer service that offers a convenient way for someone in Germany to send money to someone in Nigeria. It provides multiple delivery options, including bank deposits and cash pickups, which cater to various recipient preferences.

Azimo is known for its competitive rates and fast transfer speeds, often processing transactions in minutes. Users can easily navigate the platform, making it accessible for those new to online money transfers.

However, it’s important to note that fees can be relatively high, especially for smaller amounts, and exchange rate markups can affect the final value received.

Pros:

• Competitive rates
• Fast transfers
• Multiple delivery options
• User-friendly interface
• Secure transactions
• Mobile app availability
• Global reach

Cons:

• Fees can be high
• Exchange rate markups
• Limited customer support

9. Skrill

Skrill is another digital wallet that allows for international money transfers directly to a Nigerian bank account or mobile wallet. It offers competitive rates and fast transfers, making it an appealing option for those needing to send money quickly.

Another way someone in Germany can send money to someone in Nigeria is by utilizing Skrill’s secure platform, which emphasizes user safety.

However, users should be aware that Skrill tends to have higher fees compared to other options. Additionally, exchange rate markups can diminish the overall value of the transfer, making it essential to compare costs before sending.

Pros:

• Competitive rates
• Fast transfers
• Secure platform
• Flexible payment options
• Easy account management
• Real-time notifications
• User-friendly app

Cons:

• Higher fees
• Exchange rate markups
• Limited payment methods

10. Payoneer

Payoneer is designed for business transactions but can also facilitate money transfers to Nigerian bank accounts. It offers competitive rates and secure transactions, making it a suitable option for freelancers and businesses.

Users in Germany can send money to their contacts in Nigeria using Payoneer prepaid cards or bank transfers. However, this option requires account setup, which may be a drawback for some.

Although Payoneer is known for its security, the higher fees associated with the service can also be a consideration when selecting a transfer method. Users should always review costs and understand the fee structure before proceeding.

Pros:

• Competitive rates
• Secure transactions
• Multiple delivery options
• Suitable for businesses
• Prepaid card availability
• Global reach
• Easy account management

Cons:

• Higher fees
• Requires account setup
• Limited cash pickup options

11. OFX

OFX is another money transfer service that offers competitive exchange rates for international transfers to Nigerian bank accounts. It is known for its low fees, which can be particularly advantageous for larger transfers.

Another way someone in Germany can send money to someone in Nigeria is through OFX, leveraging its secure platform for transactions.

While the fees are low, it’s important to note that transfers can take longer than some other options, potentially requiring a few days for processing. Additionally, OFX has higher minimum transfer amounts, which may not be suitable for all users.

Pros:

• Low fees
• Competitive rates
• Secure platform
• Excellent for larger transfers
• User-friendly interface
• Reliable service
• 24/7 customer support

Cons:

• Transfers take longer
• Higher minimum transfer amounts
• Limited payment options

12. Xoom (by PayPal)

Xoom, a service by PayPal, offers fast international money transfers with options for bank deposits and cash pickups in Nigeria.

The service is known for its speed, often completing transfers within minutes, making it an excellent option for urgent needs.

Users can also benefit from the security features associated with PayPal, providing peace of mind during transactions. However, Xoom does come with higher fees and exchange rate markups, which could affect the total amount received. Understanding these costs is essential for users when deciding whether to use this service.

Pros:

• Fast transfers
• Secure transactions
• Multiple delivery options
• User-friendly interface
• Real-time tracking
• Supported by PayPal
• 24/7 customer support

Cons:

• Higher fees
• Exchange rate markups
• Limited payment methods

13. Revolut

Revolut is a financial technology platform that offers international money transfers with competitive exchange rates. Users can send money to Nigerian bank accounts quickly and securely through the app.

Revolut is particularly appealing for tech-savvy users who appreciate its modern interface and the ability to manage multiple currencies.

However, the fees associated with Revolut can be higher for smaller transfers, which may deter some users. Additionally, while the platform is user-friendly, it requires an account setup, which might not appeal to everyone.

Pros:

• Competitive rates
• Fast transfers
• User-friendly app
• Multi-currency support
• Secure transactions
• Real-time notifications
• Budgeting tools

Cons:

• Higher fees for small transfers
• Requires account setup
• Limited customer support

14. TransferGo

TransferGo is an emerging money transfer service known for its speed and low fees. Users in Germany can send money to Nigeria quickly, often completing transfers within one day.

TransferGo offers a user-friendly platform and competitive rates, making it a convenient option for sending money abroad.

However, users should be aware that the service may not be available in all areas of Nigeria, which could limit accessibility. Additionally, exchange rate markups can impact the total amount received, so it’s crucial to review costs before making a transfer.

Pros:

• Fast transfers
• Low fees
• User-friendly platform
• Competitive rates
• Secure transactions
• Real-time tracking
• 24/7 customer support

Cons:

• Limited availability in some areas
• Exchange rate markups
• Higher fees for small transfers

15. Bitcoin or Cryptocurrency Transfers

For tech-savvy individuals, using cryptocurrencies such as Bitcoin offers an alternative method for sending money internationally. By converting euros to Bitcoin and transferring it to a wallet in Nigeria, users can avoid traditional banking fees and exchange rates. The speed of cryptocurrency transfers can be advantageous, often completing within minutes. However, this method is subject to market fluctuations, which can affect the total value transferred. Users should also be aware of the complexities of dealing with cryptocurrencies, including the need for a secure wallet and understanding market dynamics.

Pros:

• Fast transfers
• Lower fees
• No exchange rate issues
• Decentralized system
• High security
• Global access
• Control over funds

Cons:

• Market volatility
• Requires technical knowledge
• Limited acceptance
• Regulatory concerns
• Potential for scams
• Not always user-friendly

16. Local Bank Transfers

Some local banks in Germany may offer services for transferring money to Nigerian banks directly. Users can visit their bank branch or use online banking services to initiate a transfer. While this method may not be the most cost-effective, it provides a sense of security for those who prefer traditional banking methods. However, the fees and exchange rates vary significantly between banks, so it’s essential to inquire about costs beforehand. Additionally, the transfer times can be longer compared to other methods, which may not be ideal for urgent transactions.

Pros:

• Familiar process
• High security
• Personal customer service
• Trusted institutions
• Account management options
• Potential for lower fees
• Easy tracking

Cons:

• Higher fees
• Slower transfer times
• Limited delivery options
• Exchange rate markups
• Complex procedures

17. Postal Services

Using postal services to send money internationally can be an option for some individuals. Services like international money orders or postal orders can be utilized to send funds securely. However, this method can be slower than others, potentially taking weeks for the recipient to receive their funds. Fees can vary widely, and while postal services are typically reliable, they may not offer the fastest or most efficient means of transferring money internationally.

Pros:

• Familiar method
• Secure transactions
• Trusted service
• Easy to use
• Accessible to everyone
• No need for a bank account
• Simple process

Cons:

• Slow transfer times
• Limited tracking options
• Higher fees
• Risk of loss or theft
• Complex procedures

18. Cash Pickup Services

Some companies offer cash pickup services that allow users in Germany to send cash to be picked up at designated locations in Nigeria. This method provides a convenient option for those who prefer not to use banks or digital platforms. Cash pickups can be completed quickly, often within minutes, which is beneficial for urgent needs. However, fees can be relatively high, and exchange rates may not be favorable, impacting the total amount received by the recipient.

Pros:

• Fast cash pickups
• Convenient service
• No bank account required
• Secure transactions
• Wide network of locations
• User-friendly process
• Immediate access to funds

Cons:

• High fees
• Exchange rate markups
• Limited locations
• Potential for fraud
• Less formal tracking

19. International Money Transfer Apps

Various money transfer apps cater to international users, allowing for easy sending of funds. Apps like Cash App or Venmo may not directly support transfers to Nigeria, but users can explore options that facilitate cross-border transactions. The convenience of mobile apps provides a modern solution for sending money, often featuring lower fees and faster transfers. However, the availability of services in Nigeria can vary, and users should ensure that the chosen app supports their needs.

Pros:

• User-friendly interface
• Fast transfers
• Lower fees
• Flexible payment options
• Real-time tracking
• Secure transactions
• Accessible anywhere

Cons:

• Limited availability
• Exchange rate markups
• Not all support Nigeria
• May require account setup
• Potential for fraud

20. Personal Checks

While less common today, sending personal checks from Germany to Nigeria can still be an option for some individuals. This method is generally slower, as it can take time for checks to clear and for the recipient to access funds. Additionally, banks may impose high fees for cashing international checks. However, this method does provide a level of security, as checks can be tracked and canceled if lost or stolen. It’s essential to weigh the pros and cons and consider faster alternatives.

Pros:

• Secure method
• Familiar process
• Trackable transactions
• Limited fees
• No need for technology
• Accessible to everyone
• Formal documentation

Cons:

• Slow transfer times
• High bank fees
• Risk of loss or theft
• Limited acceptance
• Complex procedures

Can Someone In Germany Send Money To Someone In Nigeria? FAQs

1. What is the fastest way to send money from Germany to Nigeria?
   • Options like Xoom and WorldRemit offer fast transfers, often within minutes.
2. Are there any fees for sending money to Nigeria?
   • Yes, most services charge fees that vary depending on the transfer method and amount.
3. Can I send cash directly to someone in Nigeria?
   • Yes, services like Western Union and MoneyGram allow for cash pickups.
4. How can I ensure my transfer is secure?
   • Use reputable services with strong security measures and track your transfers.
5. Are there any limits on how much I can send?
   • Yes, most services have limits on the amount that can be sent, which can vary by provider.
6. What information do I need to send money to Nigeria?
   • Typically, you’ll need the recipient’s name, contact information, and bank details or cash pickup location.
7. How do exchange rates affect my transfer?
   • Exchange rates can impact the final amount received, so it’s essential to check rates before sending.

Conclusion

In conclusion, sending money from Germany to Nigeria can be accomplished through various methods, each with its unique features, pros, and cons.

Whether using traditional services like Western Union and MoneyGram or modern digital platforms like Wise and Remitly, understanding the available options is crucial.

Consider your priorities regarding speed, cost, and convenience when selecting the best method for your needs. By researching and comparing options, you can ensure your funds are sent securely and efficiently, helping your loved ones in Nigeria access their much-needed resources.