How to send money from Australia to Nigeria

Providers that cover this corridor

Wise's help centre publishes a guide to NGN transfers (fetched 11 September 2026), confirming it supports sending naira to personal and business bank accounts in Nigeria.

WorldRemit publishes a dedicated Nigeria page (worldremit.com/en/nigeria, fetched 11 September 2026) — a genuine country-specific page — stating it supports naira transfers direct to bank accounts, as well as cash pickup and mobile money delivery.

Of the two, WorldRemit's own FAQ specifically states it offers fee-free transfers when sending in naira to Nigeria — check the current fee inside the app before you send, since published fee policies can change.

How the payout actually works — NIBSS

Wise's NGN guide (fetched 11 September 2026) names NIBSS (Nigeria Inter-Bank Settlement System) as the local rail your payment travels over once it's converted, and states it usually arrives in your recipient's bank account on the same working day once Wise has received and converted your money — though conversion itself can take up to 2 working days, and NIBSS can sometimes take up to 24 hours to confirm the payment status.

For a bank deposit, Wise asks for your recipient's full name in English characters only, their bank code, and a 10-digit account number.

Limits

Wise's NGN guide states you can send up to 95,000,000 NGN per transfer (fetched 11 September 2026) — a high ceiling for most personal transfers, useful to know if you're sending a larger, one-off amount.

WorldRemit's Nigeria FAQ (fetched 11 September 2026) does not publish one fixed cap; it states the limit depends on the destination, delivery method and how you're paying, shown to you when you set up the transfer.

Bank transfer, mobile money or cash pickup

WorldRemit's page confirms three delivery options for Nigeria: cash pickup through a local partner, deposit into a bank account, or a mobile money account. Its own FAQ states a bank transfer typically takes up to 1 hour to arrive, though it may need extra information from you first to meet mandatory regulatory requirements, and will contact you by email if that happens.

Wise's payout, by contrast, is bank-account only — there's no cash pickup or mobile money option published on its NGN guide as at this review. If your recipient doesn't have a Nigerian bank account, or needs the funds available immediately at a physical location, WorldRemit's cash pickup or mobile money routes are the ones to look at rather than Wise.

Whichever route you choose, confirm with your recipient in advance which delivery method actually suits them, since the information each one asks for is different — a bank code and account number for a deposit, versus an ID document for cash pickup, versus a registered mobile wallet for mobile money.

What Migratio didn't verify

The Central Bank of Nigeria's website was reachable during this review, and it publishes a circulars index, but Migratio did not locate the specific circular covering domiciliary-account rules for inbound remittances within the scope of this guide. If a specific compliance question applies to your situation — for example, a large business-related payment — that's a matter for your recipient's own bank or a Nigerian adviser, not something this general guide can confirm.

Common mistakes to avoid

Entering the recipient's name in anything other than English characters is the specific trap on this corridor — Wise's own guide asks for the name in English characters only, so a name that includes accented characters or a different script needs to be transliterated correctly before you submit it.

Mixing up the bank code and the account number is the other frequent error, since both are numeric and easy to swap when typing quickly. Double-check each field against what your recipient sent you, ideally by reading it back to them, rather than assuming a copy-paste was accurate.

If you choose WorldRemit's bank-transfer route and it asks for more information partway through, don't ignore that email — WorldRemit's own FAQ states this can happen to meet mandatory regulatory requirements, and the transfer won't complete until you respond.

How long does a transfer to Nigeria take to arrive?

Wise's NGN guide states it usually arrives in the recipient's bank account on the same working day once received and converted, though conversion can take up to 2 working days and NIBSS confirmation can add up to 24 hours. WorldRemit states a bank transfer typically takes up to 1 hour.

Is it free to send naira to Nigeria?

WorldRemit's own FAQ states it offers fee-free transfers when sending in naira to Nigeria, as at September 2026 — check the current fee shown in the app before you send, since this can change.

What information does my recipient in Nigeria need to give me?

For a bank deposit via Wise, you need the recipient's full name in English characters, their bank code, and a 10-digit account number. For cash pickup or mobile money via WorldRemit, check the exact requirement shown in its app.

What is NIBSS?

NIBSS (Nigeria Inter-Bank Settlement System) is the local payment rail Wise names as the route your converted naira travels over to reach your recipient's bank account, per Wise's own NGN transfer guide.

What's the most I can send to Nigeria in one transfer?

Wise publishes a per-transfer limit of up to 95,000,000 NGN. WorldRemit does not publish one fixed limit for its cash pickup, bank and mobile money service — the cap depends on the destination, delivery method and payment method.