SEND MONEY TO NIGERIA

Open the MAJORITY app and select Money transfers, then choose Nigeria. Or message MAJORITY on WhatsApp with nothing to download. Enter your amount, add your recipient’s full name, their bank, and their 10-digit NUBAN account number. You see the live USD-to-NGN rate, the delivery estimate, and any fee before you confirm.

With a MAJORITY membership ($6.99/month), you send with a $0 transfer fee. Without a membership, sending on WhatsApp costs a flat $1.99 per transfer. Either way, you see the exchange rate and any fee before you confirm. MAJORITY earns money on the foreign exchange rate on all transfers. Additional fees may apply if cash-pickup is selected, or the receiving country imposes additional taxes or fees.

Both work, and the difference is price and setup. With a membership in the app you send to Nigeria with a $0 transfer fee, and you get your full MAJORITY account, saved recipients, and your transfer history in one place. On WhatsApp you pay $1.99 per transfer with nothing to download and no ID to upload, so it suits a one-off transfer. In both cases you see the rate and any fee before you confirm.

Yes. You send through MAJORITY, an authorized money transfer service, not a person-to-person payment to a stranger. Transfers are encrypted and handled by licensed partners, and you confirm the amount and the rate before the money is sent. Money transfer services are not FDIC insured.

No SSN required. You open your MAJORITY account with a passport or other approved government-issued ID and proof of US residency, then send money to Nigeria. On WhatsApp there’s no ID to upload: you confirm a few personal details and your identity is verified as you send. Additional onboarding questions may apply for customers with no SSN.

Most transfers to Nigeria arrive in minutes, often in under a minute. Nearly all arrive on the same calendar day in Nigeria. You see the delivery estimate before you confirm, and you can follow the status until the money lands.

A bank deposit goes straight to their account. Banks that receive transfers include Access Bank, Guaranty Trust Bank, United Bank for Africa, Wema Bank, First Bank of Nigeria, and Sterling Bank. Bank deposit is how money arrives in Nigeria today, and it arrives in Nigerian naira. Confirm your recipient’s bank and account number in the app before you send, because available options can change.

Their full name as it appears on their ID, the bank that holds their account, and their 10-digit account number, which in Nigeria is called a NUBAN. Their bank shows the NUBAN in its app and on account statements. The account number is the one detail to check twice, because it is what routes the money to the right account.

You get the live USD-to-NGN rate shown in the app or the WhatsApp chat at the moment you send, and you see it before you confirm along with any fee and the exact amount in Nigerian naira your family receives. Rates move during the day, so the number you see at confirmation is the one that applies. MAJORITY earns money on the foreign exchange rate on all transfers.

You see your available limit in the app or in the WhatsApp chat before you send, and it depends on your account, how long you have been with MAJORITY, and the details you have verified. Transfer limits apply and vary per user.