Best Ways to Send Money from UK to Nigeria & Africa 2025

Always use regulated services. Only use FCA-regulated money transfer companies. Never send money through informal networks ("hawala" or cash collectors) as you have no protection if things go wrong. All services listed below are FCA-authorised or supervised.

Tips to get the best deal

Compare exchange rates first

Exchange rates vary significantly between providers. Always compare before sending — even a small difference adds up over time.

Watch for hidden fees

Some services advertise "no fees" but make money on poor exchange rates. Always check the total amount the recipient will receive.

Send larger amounts less often

Fixed fees become cheaper per pound when you send larger amounts. Instead of sending £100 weekly, consider £400 monthly.

Check FCA registration

Verify the service is FCA-authorised at register.fca.org.uk before sending any money. This protects you if something goes wrong.

Set up rate alerts

Many services let you set alerts for when the exchange rate hits a target. Use this to send when rates are favourable.

Use bank transfer not card

Funding your transfer via bank transfer is usually cheaper than using a debit or credit card — check the payment method fees.

Verify any money transfer service is FCA regulated

Before using any money transfer service not listed here, always check it is authorised by the Financial Conduct Authority (FCA) — the UK financial regulator.

Check FCA register FCA guidance on sending money abroad

VisaPath Pro does not have commercial relationships with any money transfer service listed. Links are provided for information only. Always verify current exchange rates and fees directly with the provider before sending. Exchange rates and fees change frequently.

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