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.

You send
1 CAD
985.1194 NGN
They receive
Pay with:
...
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FINTRAC regulated

How to send money from Canada to Nigeria

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Verify your identity

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.

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Enter your recipient's details

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.

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Enter your transfer amount

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.

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Choose your payment method

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.

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Confirm your transfer

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.

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Track your transfer in real time

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

The cheapest way to send money to Nigeria is not always the option with the lowest advertised fee. The better comparison is how much NGN your recipient receives after the CAD-to-NGN rate, transfer fee, payment method, and payout route are all included.

  • $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.
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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.

Instant
Debit card

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.

15 Minutes
Interac e-Transfer

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.

1 Business day
Bill Payment

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.

1-2 Business day
EFT

Connect your Canadian bank account so funds can be pulled automatically. EFT is useful for recurring family support or planned money transfers to Nigeria.

Instant
Pre-loaded CAD balance

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

The CAD to NGN rate sitting around 984 NGN per Canadian dollar on the mid-market right now tells you what your money is actually worth — but that's not the rate most bank wire transfers deliver.

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.
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How much does it cost to send money to Nigeria from Canada

The method you use to fund your transfer affects how many naira arrive in Nigeria, so RemitBee shows the fee, exchange rate, and delivery estimate before you confirm.
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.

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Best CAD to NGN rate

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.

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Zero fees over $500 CAD

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.

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No surprises at checkout

One screen shows the CAD amount, NGN amount, exchange rate, fee, and payout method before you confirm, so your recipient knows what to expect.

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Real-time tracking

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.

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100% guaranteed and insured

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

Questions can come up anytime, and when it comes to transfers, you need answers instantly even during holidays, after hours, or peak periods. Our support team is always ready to help.

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

A team of cyber-security experts and developers have developed a battle-tested security system that protects your hard-earned money — having even the toughest hackers on darkweb scratch their heads.
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FINTRAC Regulated

The Canadian government audits our operations regularly, with official oversight and same regulatory protection as major Canadian banks.

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Fortified Fraud Detection

AI systems catch suspicious activity before it touches your family support payments with advanced monitoring running 24/7.

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State of Art Encryption

We use SHA-256 RSA encryption to shield all data and to protect funds from hackers or scammers.

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100% Money-back Guarantee

Complete refund including all fees if money doesn't reach your family — every naira you send is fully insured and accounted for.

Apps to Send Money from Canada to Nigeria

Remitbee is the best and most secure option when you send money from Canada to Nigeria

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Frequently asked questions

Have questions? We have answers!

What is the best way to send money to Nigeria from Canada?
How much does it cost to send money to Nigeria?
How long does it take to transfer money to Nigeria?
How much money can I send to Nigeria?
How can I pay for my money transfer to Nigeria?
Is it safe to transfer funds to Nigeria using RemitBee?
How can I send money to Nigeria for free?
How can I send an Interac e-Transfer to Nigeria?
What is the cheapest way to send money to Nigeria from Canada?
Can I wire money to Nigeria through RemitBee?
Can I send cash to Nigeria?
Which banks in Nigeria do you send money to?
What is a NUBAN account number?
Do I need an IBAN to send money to Nigeria?
Do I need a BIC or SWIFT code for Nigeria?
What does my recipient need to receive money in Nigeria?
What documents do I need to send an international money transfer?
What if I send money to the wrong person or wrong account?