€100 EUR to Naira — Best Way to Send to Nigeria
Compare 7 remittance platforms for sending €100 EUR to Nigeria. The naira your family receives can vary by ₦10,641 depending on the platform you choose.
7 platformsBest: ₦149,296 (LemFi)Spread: ₦10,641
💸 How much naira will your family receive?
Compare 10 platforms — see which delivers the most naira.
1.🟣
LemFiEST
Fee €0.00 · Rate ₦1,492.96 · Minutes
₦149,296
BEST RATE
2.⚫
Grey.coEST
Fee €1.50 · Rate ₦1,495.97 · Minutes
₦147,353
3.💚
WiseEST
Fee €1.80 · Rate ₦1,497.48 · Minutes-24hrs
₦147,052
4.🔵
RemitlyEST
Fee €1.49 · Rate ₦1,482.43 · Minutes (Express)
₦146,034
5.🟢
WorldRemitEST
Fee €1.99 · Rate ₦1,489.95 · Minutes-1 day
₦146,030
6.🔴
MoneyGramEST
Fee €4.99 · Rate ₦1,482.43 · 1-2 days
₦140,845
7.🟠
Western UnionEST
Fee €5.99 · Rate ₦1,474.9 · 1-3 days
₦138,655
💡 Choosing LemFi over Western Union delivers ₦10,641 more.
Over 12 monthly transfers: ₦127,692 saved — about 1 months of Yaba rent.
Rates marked “EST” are computed from each provider's typical fee structure and an approximate mid-market rate. Always confirm the live quote in the provider's app before sending.
What ₦149,296 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 EUR via LemFi delivers ₦149,296 to your family. The same amount via Western Union delivers only ₦138,655 — a gap of ₦10,641. If you send €100 every month, that's ₦127,692 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 |
* Total cost on a $500 USD transfer = flat fee % + exchange-rate markup. Excludes bonus-rate first-transfer promotions.