🇺🇸 the US to 🇳🇬 Nigeria
Send money from the United States to Nigeria and your recipient is paid in NGN. Fund with USD from a bank or card, or send stablecoins from any wallet. The rate and fee are shown before you confirm.
Bank transfer or debit card
An example transfer
Fund with USD
Or fund with stablecoins
They receive
₦681,630.00
Delivered to
Mobile Money or bank account
Fee
Shown before you confirm
Indicative rate, updated 2026-08-05. Your final rate is confirmed before you send.
Sending money from the United States to Nigeria through a bank or a traditional transfer service means a rate you cannot see until the end, fees split between the sending and receiving side, and a transfer that can sit for days. If your bank flags the payment or your card is declined, you start over somewhere else.
Novacrust shows the NGN figure and the fee before you confirm, and lets you fund the same transfer with USD or with stablecoins if your bank gets in the way. Your recipient is paid to mobile money or bank account.
How it works
Sign up for free in minutes and verify your identity.
Pay in from a bank account or card in the United States, or send stablecoins from any wallet or exchange.
Pick your recipient's payout rail and confirm. The rate and fee are shown before you send.
Payout options
High fees and FX restrictions reduce what actually reaches your family and delay when it gets there. Funding a transfer in USD is often the bottleneck rather than the payout, which is why the same transfer can be routed through crypto instead.
7 to 8%
Average cost of sending money to Sub-Saharan Africa
Source: World Bank remittance pricing
$20B+
Annual remittance inflows to Nigeria
Source: World Bank
Why Novacrust
If your US bank flags the transfer or the card is declined, switch to crypto and send the same amount without starting over with another provider.
Payouts go straight to any Nigerian bank or mobile wallet in NGN, so your recipient never has to convert anything themselves.
The naira figure and the fee are both shown before you confirm, so there is no spread to discover afterwards.
“My card kept getting declined by my US bank whenever I tried to send home. Now I just send USDT and my mum gets naira in her account the same evening.”
Chidi Okonkwo
Houston, TX · sends monthly to Lagos
“I pay three suppliers in Lagos every month. Seeing the naira amount before I confirm is the part that matters, no surprises on their end.”
Adaeze Nwosu
Baltimore, MD · pays suppliers in Nigeria
It depends on the payout method your recipient chooses. Mobile Money is usually within minutes, a bank transfer is the same day or the next business day, and a crypto wallet payout arrives as soon as the network confirms.
Fund with USD or with stablecoins, and your recipient is paid in NGN to mobile money or bank account.
Send Money NowThe rate and fee are shown before you confirm
Crypto to cash and cross-border money, built for people who work without borders.
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