£100 GBP to Naira — Best Way to Send to Nigeria
Compare 8 remittance platforms for sending £100 GBP to Nigeria. The naira your family receives can vary by ₦11,358 depending on the platform you choose.
💸 How much naira will your family receive?
Compare 10 platforms — see which delivers the most naira.
What ₦185,008 buys in Lagos
Quick context using prices Lagos.cool tracks across rent, market, power and healthcare.
The cost of choosing the wrong provider
Sending £100 GBP via LemFi delivers ₦185,008 to your family. The same amount via Western Union delivers only ₦173,650 — a gap of ₦11,358. If you send £100 every month, that's ₦136,296 lost per year — roughly 1 months of Yaba rent.
All providers compared
Fee, exchange-rate markup, speed and delivery options
| Provider | USD fee | Markup | Total cost* | Speed | Delivery | Rating |
|---|---|---|---|---|---|---|
💚Wise Best overall — most transparent, cheapest for large transfers. | $2.40 | 0.50% | 0.98% | Minutes-24hrs | Bank | ⭐ 4.4 Trustpilot |
🟣LemFi Zero flat fee — best for frequent small transfers. | $0.00 | 0.80% | 0.80% | Minutes | BankWallet | ⭐ 4.5 Trustpilot |
🔵Remitly Best first-time offer — promotional rate beats everyone else on transfer #1. | $3.99 | 1.50% | 2.30% | Minutes (Express) | Bank | ⭐ 4.6 Trustpilot |
🟢WorldRemit Best for cash pickup and airtime — most delivery options. | $3.99 | 1.00% | 1.80% | Minutes-1 day | BankWalletCashAirtime | ⭐ 3.8 Trustpilot |
⚫Grey.co Best for Nigerian remote workers — virtual USD/GBP accounts. | $1.50 | 0.60% | 0.90% | Minutes | Bank | ⭐ 4.3 Trustpilot |
🟡Chipper Cash Best for P2P within Africa — zero fee between Chipper users. | $0.00 | 1.00% | 1.00% | Minutes | BankWallet | ⭐ 3.8 Trustpilot |
🟠Western Union Largest cash pickup network — best for recipients without bank accounts. | $7.99 | 2.00% | 3.60% | 1-3 days | BankCash | ⭐ 3.5 Trustpilot |
🔴MoneyGram Second-largest cash network — Walmart partnership in the US. | $4.99 | 1.50% | 2.50% | 1-2 days | BankCash | ⭐ 3.6 Trustpilot |
🌍Afriex Fastest — under 20 seconds. Virtual USD accounts for freelancers. | $0.00 | 0.50% | 0.50% | Under 20 seconds | Bank | ⭐ 4.2 Trustpilot |
💜OPay Best for receiving into mobile wallet — no bank account needed. | — | 0.50% | — | Instant | BankWallet | ⭐ 4.0 Trustpilot |
📝 The Lagos context
To send money to Nigeria never get options like this before, and the difference between the best and worst of dem, for the same amount wey you send, na real money. Beyond the old-guard operator, wave of digital service — Wise, LemFi, Remitly, Chipper Cash, Sendwave and others — now dey compete hard on the naira wey dem deliver, and the gap between dem fit significant on single transfer.
The number wey matter no be the advertised fee but the total naira wey the recipient actually receive. That figure na two thing together dey set am: the transfer fee, and the exchange rate wey the provider apply. The rate usually na where the real cost dey hide — service wey dey advertise "zero fees" fit still deliver fewer naira than fee-charging rival if im exchange-rate margin wider. Because the naira don dey volatile and the official and parallel-market rate don often diverge, the rate wey provider dey offer on any given day matter more than ever.
The practical habit wey dey save the most na simple: compare the actual naira delivered across two or three service for your exact amount and corridor before you send, instead of to trust single provider or headline "no fees" claim. Check delivery speed and the recipient payout method too — bank transfer, wallet or cash. Few minutes of comparison, especially on bigger amount, routinely dey put thousands more naira for the recipient hand than to send on autopilot with whichever app you use last time.