Your Ultimate Guide to the Best App to Send Money from the UK to Nigeria

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November 11, 2025 3 minutes read
Blog

Sending money from the UK to Nigeria shouldn’t be complicated or costly. If you want to maximize every pound you send, you need the best app to send money from the UK to Nigeria one that combines speed, security, and cost efficiency.

With so many money transfer options available, it can be tricky to pick the right one. This guide breaks down the top apps and shows why SimlessPay stands out as the ideal choice for hassle-free international transfers.

Avoid Hidden Fees and Poor Exchange Rates

The real cost of sending money isn’t just the transfer fee. Most of the value is often lost in unfavorable exchange rates. The best app to send money from the UK to Nigeria ensures transparency, so your recipient receives the maximum possible amount.

Key features to prioritize:

  • Best Exchange Rate: Fair rates with minimal margin.
  • Low & Transparent Fees: No hidden or surprise charges.
  • Fast Transfers: Instant or next-day delivery options.
  • Flexible Payout Options: Bank deposits, mobile wallets, or cash pickup.
  • Secure Transactions: Fully regulated and trackable transfers.

Now, let’s compare some of the most popular apps for sending money from the UK to Nigeria.

Top Apps to Send Money from the UK to Nigeria

When choosing an app, make sure it supports the UK-to-Nigeria route fully. Here’s a breakdown of some notable options:

1. Flutterwave (Send)

Payout Method: Direct bank transfers

Pros:

  • Seamless integration with UK and Nigerian banks for fast transfers (often within 24 hours).
  • Ideal for users already within the Flutterwave ecosystem.

Cons:

  • Bank-specific restrictions may apply.
  • Exchange rate margins can vary, so check before sending.

2. Remitly

Payout Methods: Bank deposits, mobile wallets, and cash pickup

Pros:

  • User-friendly mobile apps with real-time transfer tracking.
  • Competitive rates that often outperform traditional banks.

Cons:

  • Limited reverse transfers (Nigeria to UK).
  • Transfer speeds can vary depending on the payout method.
  • Total costs (fees + FX margin) may be higher than niche providers.

3. Tranzfar

Pros:

  • Focused on the UK-to-Nigeria corridor.
  • Dedicated mobile app for convenient transfers.

Cons:

  • Lesser-known platform; advisable to start with a small transfer.
  • Fee and rate transparency can fluctuate.

4. Afriex

Pros:

  • Zero transaction fees.
  • Instant or near-instant payouts.
  • Transparent exchange rates.

Cons:

  • Newer service; availability may vary.
  • Test transfers first to ensure reliability.

5. TransferGo

Payout Methods: Bank deposits; debit/credit card funding

Pros:

  • Low, transparent fees with special offers for first-time users.
  • Fast transfers, often within minutes.
  • Strong security measures to protect funds.

Cons:

  • Small FX margin may apply.
  • No cash pickup or mobile wallet options.

6. Instarem

Payout Method: Bank deposits

Pros:

  • Transparent, low fees.
  • Quick bank transfers from the UK to Nigeria.
  • Loyalty rewards program for frequent users.

Cons:

  • Limited payout methods; no cash pickup.
  • Check the FX margin at the time of transfer.

Why SimlessPay is the Best App to Send Money from the UK to Nigeria

While several apps can get the job done, SimlessPay stands out for combining speed, reliability, and cost efficiency. Here’s why it’s a leading choice:

Key Advantages of SimlessPay:

  • Zero Transaction Fees: Send more without losing money to charges.
  • Fast Delivery: Instant or same-day transfers.
  • Competitive Exchange Rates: Maximize the value your recipient receives.
  • Easy-to-Use App: Manage beneficiaries, track transfers, and monitor payments effortlessly.

For diaspora remitters, freelancers, and families who need a low-cost, secure, and user-friendly way to manage money across borders, SimlessPay is the ultimate solution.