To send money to Nigeria with MAJORITY, open the app, pick Nigeria, enter the recipient's 10-digit NUBAN account number and bank, review the live exchange rate and naira total, then confirm.
Quick answer
The process is straightforward: open a MAJORITY account with a government-issued ID, open the app and select Nigeria as the destination, choose bank transfer (the supported delivery method for Nigeria), enter the recipient's name, their 10-digit NUBAN account number, and their bank, enter the USD amount, review the live USD-to-NGN exchange rate and the exact naira total the recipient will receive, then confirm. Transfers to Nigeria are typically available within minutes. Recipients receive Nigerian naira (NGN) directly into their bank account.
What you need to know
- Nigeria transfers go directly to a Nigerian bank account. Bank transfer is the supported delivery method for this destination. There is no mobile wallet or cash pickup option for Nigeria.
- Your recipient needs to give you three pieces of information: their full account name as it appears on their bank record, their 10-digit NUBAN account number, and the name of their bank.
- Supported Nigerian banks include Access Bank, GTBank, UBA, First Bank, Zenith Bank, Sterling Bank, FCMB, Wema Bank, Providus Bank, Fidelity Bank, Polaris Bank, Union Bank of Nigeria, Ecobank Nigeria, Stanbic IBTC Bank, Keystone Bank, Standard Chartered Bank, and other supported banks shown in the app.
- Recipients receive Nigerian naira (NGN). The naira total is calculated from the live USD-to-NGN rate shown in the app before you confirm.
- The exchange rate and the exact NGN amount the recipient will receive appear in the app before you confirm the transfer.
- The membership is $5.99 per month and includes transfers to Nigeria at $0 per transfer.
Step 1: Open a MAJORITY account
You need a MAJORITY membership to send money to Nigeria. Download the app from the App Store or Google Play, scan a valid government-issued photo ID, enter your address and phone number, and wait for approval. Once your account is active, the Nigeria transfer flow is available from the same app.
MAJORITY is a financial membership designed for migrants in the US. You can open an account without an SSN if you hold other valid government-issued photo ID. The app walks you through the ID scan and account setup.
Step 2: Open the app and select Nigeria
Open the MAJORITY app and tap Send money. The transfer flow asks you to choose a destination country. Select Nigeria. The app then displays the bank transfer option, the delivery method available for Nigeria, along with a field to enter the USD amount you want to send.
At this point the app shows the live USD-to-NGN exchange rate and a preview of the naira total your recipient will receive. These numbers update in real time before you commit to the transfer.
Step 3: Enter recipient details
Nigeria bank transfers require three pieces of recipient information. Gather all three from your recipient before you start.
| What you need | Details |
|---|---|
| Account name | The full name registered to the bank account; must match the bank's record exactly |
| NUBAN account number | The recipient's 10-digit Nigerian Uniform Bank Account Number |
| Bank name | The name of the recipient's Nigerian bank |
Enter these details into the app. The NUBAN is a 10-digit number unique to one account at one bank. A digit transposition or an account name mismatch is the most common reason a transfer is held or returned, so confirm the details with your recipient before sending.
Supported Nigerian banks
The app lists all supported banks when you reach the bank-selection step. Supported banks include Access Bank, GTBank, UBA, First Bank, Sterling Bank, FCMB, Wema Bank, Zenith Bank, Providus Bank, Fidelity Bank, Polaris Bank, Union Bank of Nigeria, Ecobank Nigeria, Stanbic IBTC Bank, Keystone Bank, Standard Chartered Bank, and other supported banks. The full current list appears in the app at the time of the transfer.
Step 4: Review the exchange rate and send
The final screen brings together the amount, the exchange rate, and the recipient details for a single review before you send.
- Check the exchange rate. The app shows the live USD-to-NGN rate at the moment you are sending, along with the exact naira total the recipient will receive.
- Check the estimated delivery time shown on the summary screen. Nigeria transfers are typically available within minutes.
- Review the recipient details (account name, NUBAN, and bank) one last time. A name mismatch or incorrect NUBAN is the most common cause of a held or returned transfer.
- Authenticate with your PIN or biometrics and confirm the transfer.
- Track the transfer on the activity screen. A notification arrives when the funds are released and another when they reach the recipient's account.
If anything on the summary screen looks wrong, tap back and correct the detail before confirming.
What it costs to send money to Nigeria
Two cost components apply: the membership and the exchange rate.
- The membership is $5.99 per month. It includes transfers to Nigeria at $0 per transfer. There is no per-transfer fee on top of the membership.
- The exchange rate is the one shown in the app at the moment you confirm the transfer. The rate and the resulting naira total appear before you tap send, so you can decide based on the actual number your recipient will receive.
What to do next
- Download the MAJORITY app, scan a valid government-issued photo ID, and open your account.
- Ask your recipient for their full account name, their 10-digit NUBAN, and their bank name. Confirm the NUBAN digit by digit. An error here is the most common cause of a delay.
- Open the app, tap Send money, pick Nigeria, and enter the recipient details.
- Enter the USD amount, review the live USD-to-NGN rate and the naira total, confirm, and track the transfer in the activity screen.
Related MAJORITY resources
MAJORITY supports money transfers to more than 30 countries, including Nigeria. Nigeria transfers go directly to a Nigerian bank account in naira, with the live exchange rate and estimated delivery time shown in the app before each transfer is confirmed.
Frequently asked questions
How do I send money to Nigeria with MAJORITY?
Open the MAJORITY app, tap Send money, choose Nigeria as the destination, select bank transfer, enter the recipient's full account name, 10-digit NUBAN, and bank name, enter the USD amount, review the live USD-to-NGN exchange rate and the naira total, then confirm.
What do I need from my recipient to send money to Nigeria?
You need three things: the recipient's full account name as registered with their bank, their 10-digit NUBAN account number, and the name of their Nigerian bank. All three are required for the transfer to go through.
What is a NUBAN and where does my recipient find it?
A NUBAN (Nigerian Uniform Bank Account Number) is the 10-digit account number that identifies a bank account in Nigeria. Your recipient can find their NUBAN in their bank's mobile app, on a bank statement, or by contacting their bank's customer service. Each NUBAN is unique to one account at one bank.
Which Nigerian banks can I send money to?
Supported banks include Access Bank, GTBank, UBA, First Bank, Zenith Bank, Sterling Bank, FCMB, Wema Bank, Providus Bank, Fidelity Bank, Polaris Bank, Union Bank of Nigeria, Ecobank Nigeria, Stanbic IBTC Bank, Keystone Bank, and Standard Chartered Bank, with the full current list shown in the app when you add the recipient.
How long does a money transfer to Nigeria take?
Nigeria transfers are typically available within minutes. The estimated delivery time for your specific transfer is shown in the app before you confirm.
Does my recipient need a bank account to receive the money?
Yes. Nigeria transfers go to a Nigerian bank account. Bank transfer is the supported delivery method for this destination. There is no mobile wallet or cash pickup option. Your recipient must hold an account at one of the supported Nigerian banks.
How much does it cost to send money to Nigeria?
The membership is $5.99 per month and includes Nigeria transfers at $0 per transfer. The other component is the exchange rate at the moment you confirm; the rate and the exact naira total are shown in the app before you send.
Disclosures
The MAJORITY app facilitates banking services through Axiom Bank, N.A. ("Axiom"), Member FDIC. The funds deposited in the account held at Axiom, Member FDIC, are FDIC-insured on a pass-through basis up to $250,000 per depositor in the event Axiom fails and subject to the satisfaction of certain conditions. Non-deposit products or services such as money transfers and telecom services are not FDIC-insured.
MAJORITY Visa® Debit Card is issued by Axiom Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc.