How do I send money to Nigeria with MAJORITY?

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.

How much does it cost to send money to Nigeria?

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.

Should I send money to Nigeria with the MAJORITY app or WhatsApp?

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.

Is it safe to send money to Nigeria with MAJORITY?

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.

Do I need a Social Security Number to send money to Nigeria?

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.

How long does a transfer to Nigeria take?

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.

Which banks in Nigeria can I send money to?

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.

What do I need from my recipient to send money to Nigeria?

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.

What exchange rate do I get for USD to Nigerian naira?

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.

How much can I send to Nigeria?

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.

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SEND MONEY TO NIGERIA

Send money to Nigeria in the MAJORITY app, or on WhatsApp with nothing to download. See the live USD-to-NGN rate and any fee before you send, and track every transfer.

How your family receives money in Nigeria

Send a bank deposit straight to your family’s account in Nigeria. See where they can receive below.

Availability and delivery times vary by receiving bank.

App

About

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. The MAJORITY Visa® debit card is also issued by Axiom pursuant to a license from Visa U.S.A. Inc. Non-deposit products and services such as money transfers and telecom services are not FDIC-insured.

The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding Majority Payment Services LLC (NMLS # 1991596) at 1100 North Eutaw Street, Suite 611, Baltimore, MD 21201, phone 888-784-0136.

Services may be provided by Majority Payment Services LLC (NMLS # 1991596). This licensed company may be verified through the NMLS consumer access website: https://www.nmlsconsumeraccess.org/

The MAJORITY Visa® Credit Card is issued by WebBank, member FDIC, pursuant to a license from VISA U.S.A. Inc. MAJORITY is not a bank or lender and is a technology company. Joining the waitlist does not constitute an application for credit and does not affect your eligibility or approval status. An application must be submitted to be considered for the card. Eligibility requirements apply, including but not limited to income and expense requirements, keeping your MAJORITY account in good standing, and establishing a security deposit account.

*Boost amount (i.e., the amount of the credit line increase) is up to 5% of the monthly on-time payment of at least the minimum payment due and is subject to other terms and conditions, including but not limited to an ability to repay check and a monthly cap in the credit card agreement.

**We report account information to one or more credit reporting agencies. Both positive and negative payment history impact your credit score. The impact of payment history on credit bureau scoring models will vary. Making on-time payments may help to build a credit profile for consumers without existing debt. Failure to make on-time payments will result in a negative history reported to credit reporting agencies and may negatively impact your credit score.

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