Sending money from the US to Nigeria used to mean long bank wires, unpredictable fees, and days of waiting. Today, mobile-first apps like Dicha make it possible to send in minutes from your phone.
There are two main ways your recipient can receive money in Nigeria: a direct bank deposit or a mobile money transfer. Bank deposits typically land within a business day, while many mobile transfers land in minutes.
The biggest thing to watch for is total cost — the transfer fee plus the exchange rate markup. Some providers advertise 'no fee' transfers but bake their margin into a worse exchange rate. Dicha shows you the full total, fee and rate combined, before you confirm.
To send: open the app, choose Nigeria as your destination, enter an amount, add your recipient's bank details, and confirm. Most transfers to Nigerian banks complete within one business day.