Send money to Nigeria from Canada
Send money to Nigeria from Canada with live CAD-to-NGN rates, upfront fees, bank deposit, mobile wallet delivery, and full transfer tracking. Transfer money to First Bank of Nigeria, Access Bank, GTBank, Zenith Bank, MTN Nigeria, OPay, and more, where available.
How to send money from Canada to Nigeria
Submit a government-issued ID once to complete verification, protect your account, and confirm your sending limit, including how much you can transfer money to Nigeria per transaction.
Choose bank deposit, mobile wallet, or cash pickup where available, then enter the recipient's details. For bank deposits, you usually need their 10-digit NUBAN account number, bank name, and legal name.
Enter the CAD amount you want to send and review the live CAD-to-NGN exchange rate, transfer fee, delivery estimate, and exact naira amount before you continue.
Fund your transfer with Interac e-Transfer, EFT, Debit Card, Bill Payment, or CAD Balance. Bank-funded methods can help reduce fees when speed is not the only priority.
Review the NGN amount, CAD-to-NGN exchange rate, fee, recipient details, and payout method on one screen. Confirm only when the name, bank, wallet, or pickup details are correct.
Follow your money from Canada to Nigeria with live status updates until it reaches a naira account or supported payout route at First Bank of Nigeria, Access Bank, GTBank, Zenith Bank, or another available institution.
Cheapest way to send money to Nigeria
- $2.99 flat fee under $500 CAD
- Debit Card and Visa debit can be faster
- Card-funded transfers usually cost more
- Interac e-Transfer, EFT, and Bill Payment qualify
- $0 service fee on eligible transfers over $500 CAD.
Whether you compare RemitBee with Wise, Western Union, Remitly, or a traditional bank wire, focus on the final naira amount your recipient receives, not only the headline transfer fee.

Available payment methods & speed
Each payment method funds your Canada-to-Nigeria transfer at a different pace. Choose based on how urgently your family needs the money, how much you want to spend, and whether the transfer is planned or time-sensitive.
Pay with your Visa or Mastercard debit card when your transfer needs to start right away. It is useful for urgent support, but it usually costs more than bank-funded methods.
Send an Interac e-Transfer from your Canadian banking app. Once received and applied, your transfer can move toward Nigeria without arranging a traditional bank wire.
Pay through your bank's online portal or at a branch. This works well for planned transfers where lower fees matter more than same-day funding.
Connect your Canadian bank account so funds can be pulled automatically. EFT is useful for recurring family support or planned money transfers to Nigeria.
Load your CAD Balance in advance so your next Nigeria transfer can start as soon as you confirm it, with no new funding wait.
Frictionless transfers
Best rate to send money to Nigeria
Nigerian banks receiving inbound international wires typically build a 3-4% spread into the conversion rate before crediting the naira account, which means your recipient gets fewer naira than the market rate suggests, with nothing on the fee receipt to explain why.
A dedicated transfer service with a margin of 0.3-0.5% on the same CAD amount closes most of that gap. Given how much the naira has moved in recent years — it closed 2024 at ₦1,535 per USD, down 40.9% over the year — the difference between a fair rate and a padded one isn't a rounding error; it's thousands of naira on a typical transfer.
Rate alerts let you set a target CAD-to-NGN rate and move when the market reaches it, which matters most for larger transfers like tuition, rent, or medical costs going to Lagos, Abuja, or anywhere across Nigeria.

How much does it cost to send money to Nigeria from Canada
Payment Method | Processing Time | Fees |
|---|---|---|
Debit Card | Instant | Below $500 CAD: $2.99-$6.99 CAD / Above $500 CAD: $8.99 CAD+ (scales with amount) |
e-Transfer | ~15 minutes | Below $500 CAD: $2.99 CAD / Above $500 CAD: Free |
EFT | 1-2 business days | Below $500 CAD: $2.99 CAD / Above $500 CAD: Free |
Bill Payment | 1 business day | Below $500 CAD: $2.99 CAD / Above $500 CAD: Free |
Why RemitBee is the best app to send money to Nigeria
From Toronto's Eglinton corridor to Lagos Island, from Calgary to Abuja, RemitBee is built for Nigerian Canadians who want to compare the exact naira amount, avoid surprise fees, and track every transfer from Canada to Nigeria.
See the CAD-to-NGN exchange rate, transfer fee, and final naira amount before you send. That makes it easier to compare total value instead of choosing based on a fee alone.
Send above $500 CAD by Interac e-Transfer, EFT, or Bill Payment, and your service fee can be zero. This helps with regular family support, rent, tuition, and larger planned transfers.
One screen shows the CAD amount, NGN amount, exchange rate, fee, and payout method before you confirm, so your recipient knows what to expect.
Track every transfer from CAD payment to NGN delivery. Status updates show when the transfer is received, processing, in transit, and credited to the selected account or payout route.
RemitBee offers a 100% money-back guarantee if your money does not reach the recipient, including the send amount and fees paid, giving you added protection when sending online.
Don't just take our word for it
We have thousands of happy Remitbee users to back us up
Unbeatable
What makes our customer experience exceptional
Real people, instead of generic guides or chatbots
We provide 24/7 multilingual support for Canadian families sending money to Nigeria. The dedicated relationship managers handle complex transfers, while live chat resolves simple questions instantly.

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Bank level security, without the bank level fees

The Canadian government audits our operations regularly, with official oversight and same regulatory protection as major Canadian banks.
AI systems catch suspicious activity before it touches your family support payments with advanced monitoring running 24/7.
We use SHA-256 RSA encryption to shield all data and to protect funds from hackers or scammers.
Complete refund including all fees if money doesn't reach your family — every naira you send is fully insured and accounted for.
Have questions? We have answers!
- Nigeria
