C$100 CAD to Naira — Best Way to Send to Nigeria
Compare 6 remittance platforms for sending C$100 CAD to Nigeria. The naira your family receives can vary by ₦9,121 depending on the platform you choose.
💸 How much naira will your family receive?
Compare 10 platforms — see which delivers the most naira.
What ₦100,192 buys in Lagos
Quick context using prices Lagos.cool tracks across rent, market, power and healthcare.
The cost of choosing the wrong provider
Sending C$100 CAD via LemFi delivers ₦100,192 to your family. The same amount via Western Union delivers only ₦91,071 — a gap of ₦9,121. If you send C$100 every month, that's ₦109,452 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
Sending money to Nigeria has never had more options, and the difference between the best and worst of them, for the same amount sent, is real money. Beyond the old-guard operators, a wave of digital services — Wise, LemFi, Remitly, Chipper Cash, Sendwave and others — now compete hard on the naira they deliver, and the gap between them can be significant on a single transfer.
The number that matters is not the advertised fee but the total naira the recipient actually receives. That figure is set by two things together: the transfer fee, and the exchange rate the provider applies. The rate is usually where the real cost hides — a service advertising "zero fees" can still deliver fewer naira than a fee-charging rival if its exchange-rate margin is wider. Because the naira has been volatile and the official and parallel-market rates have often diverged, the rate a provider offers on any given day matters more than ever.
The practical habit that saves the most is simple: compare the actual naira delivered across two or three services for your exact amount and corridor before you send, rather than trusting a single provider or a headline "no fees" claim. Check delivery speed and the recipient's payout method too — bank transfer, wallet or cash. A few minutes of comparison, especially on larger amounts, routinely puts thousands more naira in the recipient's hands than sending on autopilot with whichever app you used last time.