Nigeria is the largest recipient of international remittances in Africa. In 2023, the country received $19.56 billion, accounting for 5.2% of its GDP, according to the World Bank. By 2024, inflows rose to $20.93 billion, representing an 8.9% increase year-on-year.
These inflows are vital lifelines, covering food, housing, healthcare, and education for millions of families. They also support small businesses and local economies, making remittances one of Nigeria’s most important financial inflows after oil exports.
At the heart of this growth are digital remittance apps, which provide Nigerians abroad with fast, secure, and affordable ways to send money home. From competitive exchange rates to instant delivery, these apps have become indispensable for the diaspora.
In this article, we highlight the Top 10 remittance apps Nigerians use in 2025 to send and receive money quickly and safely.
1. Nala
- Available in: Europe, UK, USA
- Coverage: Nigeria, Kenya, Tanzania, Uganda, Rwanda, Senegal, and more
- Features: Rate comparison, instant transfers, repeat payments
- Example Rate: $100 = ₦152,672
- Google Play Downloads: 500,000+ | Rating: ⭐ 4.6/5
Nala is one of the fastest-growing remittance apps. It allows diaspora users to compare rates before sending money, with 95% of transfers delivered instantly.
2. Afriex
- Coverage: USA, Canada, UK, EU, Nigeria, Ghana, Egypt, Ethiopia
- Features: Multi-currency accounts (USD, GBP, EUR), global payments, zero transfer fees
- Example Rate: $100 = ₦152,869.20
- Google Play Downloads: 500,000+ | Rating: ⭐ 3.7/5
Afriex is popular among freelancers and remote workers who receive payments globally. Transfers are free and processed within seconds.
3. LemFi
- Coverage: 30+ countries including USA, UK, Canada, EU nations
- Features: Multi-currency wallet, zero-fee transfers, CBN-licensed
- Example Rate: $100 = ₦153,400
- Google Play Downloads: 1M+ | Rating: ⭐ 3.0/5
With instant 3–5 minute transfers, LemFi is highly trusted by Nigerians abroad.
4. Gray
- Coverage: Global
- Features: Open UK, US, EU accounts, send/receive multiple currencies
- Example Rate: $100 = ₦151,024
- Google Play Downloads: 1M+ | Rating: ⭐ 4.4/5
Gray is ideal for freelancers and businesses needing to manage multi-currency accounts and quick withdrawals.
5. Send App by Flutterwave
- Coverage: Europe, Africa, UK, USA
- Features: Zero fees, instant delivery, CBN-licensed
- Example Rate: $100 = ₦151,653.02
- Google Play Downloads: 1M+ | Rating: ⭐ 4.5/5
Built by Flutterwave, Send App guarantees direct-to-bank delivery in minutes.
6. Sendwave
- Coverage: Nigeria, Ghana, Kenya, Tanzania, Uganda, Senegal, Côte d’Ivoire, etc.
- Features: Zero fees, USD account transfers, mobile wallet integration
- Example Rate: $100 = ₦153,306
- Google Play Downloads: 5M+ | Rating: ⭐ 3.8/5
Sendwave is widely used across Africa, with partnerships with MTN, Airtel, and M-Pesa for smooth transfers.
7. Paysend
- Coverage: 170+ countries
- Features: Card-to-card transfers, low flat fees, instant delivery
- Example Rate: $100 = ₦152,913
- Google Play Downloads: 10M+ | Rating: ⭐ 4.2/5
Paysend is especially attractive for its card-to-card transfers with transparent pricing.
8.Taptap Send
- Coverage: Africa, Asia, and global corridors
- Features: Zero fees, instant mobile transfers, CBN-licensed
- Google Play Downloads: 10M+ | Rating: ⭐ 4.5/5
Taptap Send has grown into a top choice for African diaspora communities, especially Nigerians.
9.Remitly
- Coverage: 170+ countries
- Features: Multiple delivery options, zero fees on first transfer
- Example Rate: $100 = ₦156,501
- Google Play Downloads: 10M+ | Rating: ⭐ 4.7/5
Remitly offers one of the best exchange rates in 2025, making it a favorite for Nigerians sending money regularly.
10. Wise (formerly TransferWise)
- Coverage: Global
- Features: Transparent fees, real-time exchange rates, multi-currency accounts
- Example Rate: $100 = ₦148,902.15 (fees: $2.78)
- Google Play Downloads: 10M+ | Rating: ⭐ 4.8/5
Wise is highly rated for its clarity on fees and rates, ideal for those who prioritize transparency.
Nigeria’s remittance inflows continue to rise, driven by the over 20 million Nigerians abroad. Apps like Nala, Afriex, LemFi, Sendwave, and Remitly are reshaping the remittance industry by making transfers faster, cheaper, and more secure.
For Nigerians abroad, choosing the right remittance app depends on factors such as exchange rates, speed, transfer fees, and coverage. In 2025, these top 10 money transfer apps are leading the way in bridging financial gaps between Nigerians at home and abroad.
