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Send money from China to Nigeria

Lowest total cost TorFX
Fastest stated delivery Wise
Highest recipient payout TorFX
Providers compared 5

ยฅ1,000.00 from China to Nigeria

Reference rate 1 CNY = 198.1699 NGN Updated 6 hours ago ยท open.er-api.com

5 providers Up to โ‚ฆ2,368.15 more for your recipient with the best option

Amounts are estimates based on the mid-market reference rate and each provider's published or typical pricing. The final amount is confirmed by the provider at checkout.

  1. TorFX

    4.9 / 5 editorial rating
    Highest estimated payout
    Recipient gets โ‚ฆ197,773.57
    Transfer fee
    No fee
    Exchange rate
    197.7736
    Delivery
    Minutes to 2 days
    Estimated ยท general pricing Route availability not yet confirmed Pays out by Bank deposit
    How this is calculated
    You send
    ยฅ1,000.00
    Transfer fee
    โˆ’ No fee
    Amount converted
    ยฅ1,000.00
    Exchange rate
    ร— 197.7736 (0.20% below reference)
    Recipient gets
    โ‚ฆ197,773.57
    Total cost of transfer
    ยฅ2.00 (fee + exchange-rate margin)

    Based on the provider's general fees and margin, not route-specific pricing.

  2. Wise

    4.9 / 5 editorial rating
    Featured
    Recipient gets โ‚ฆ196,881.81 โ‚ฆ891.76 less than the top result
    Transfer fee
    ยฅ6.50
    Exchange rate
    198.1699
    Delivery
    Seconds to 2 business days
    Estimated ยท general pricing Last verified October 8, 2026 Route availability not yet confirmed Pays out by Bank deposit
    How this is calculated
    You send
    ยฅ1,000.00
    Transfer fee
    โˆ’ ยฅ6.50 (ยฅ1.50 + 0.5%)
    Amount converted
    ยฅ993.50
    Exchange rate
    ร— 198.1699
    Recipient gets
    โ‚ฆ196,881.81
    Total cost of transfer
    ยฅ6.50 (fee + exchange-rate margin)

    Based on the provider's general fees and margin, not route-specific pricing.

    Wise availability and pricing can change, so users should verify current details on Wise before sending money.

  3. WorldRemit

    4.2 / 5 editorial rating
    Recipient gets โ‚ฆ196,193.35 โ‚ฆ1,580.22 less than the top result
    Transfer fee
    ยฅ1.99
    Exchange rate
    196.5846
    Delivery
    Minutes to 3 days
    Estimated ยท general pricing Route availability not yet confirmed Pays out by Bank deposit, Cash pickup, Mobile money, Digital wallet
    How this is calculated
    You send
    ยฅ1,000.00
    Transfer fee
    โˆ’ ยฅ1.99 (ยฅ1.99)
    Amount converted
    ยฅ998.01
    Exchange rate
    ร— 196.5846 (0.80% below reference)
    Recipient gets
    โ‚ฆ196,193.35
    Total cost of transfer
    ยฅ9.97 (fee + exchange-rate margin)

    Based on the provider's general fees and margin, not route-specific pricing.

  4. Western Union

    4.1 / 5 editorial rating
    Sponsored
    Recipient gets โ‚ฆ196,188.21 โ‚ฆ1,585.36 less than the top result
    Transfer fee
    No fee
    Exchange rate
    196.1882
    Delivery
    Minutes to 1 business day
    Estimated ยท general pricing Last verified September 22, 2026 Route availability not yet confirmed Pays out by Bank deposit, Cash pickup, Mobile money
    How this is calculated
    You send
    ยฅ1,000.00
    Transfer fee
    โˆ’ No fee
    Amount converted
    ยฅ1,000.00
    Exchange rate
    ร— 196.1882 (1.00% below reference)
    Recipient gets
    โ‚ฆ196,188.21
    Total cost of transfer
    ยฅ10.00 (fee + exchange-rate margin)

    Based on the provider's general fees and margin, not route-specific pricing.

  5. Remitly

    4.7 / 5 editorial rating
    Recipient gets โ‚ฆ195,405.42 โ‚ฆ2,368.15 less than the top result
    Transfer fee
    ยฅ3.99
    Exchange rate
    196.1882
    Delivery
    Minutes (Express) / 1โ€“3 days (Economy)
    Estimated ยท general pricing Route availability not yet confirmed Pays out by Bank deposit, Cash pickup, Mobile money
    How this is calculated
    You send
    ยฅ1,000.00
    Transfer fee
    โˆ’ ยฅ3.99 (ยฅ3.99)
    Amount converted
    ยฅ996.01
    Exchange rate
    ร— 196.1882 (1.00% below reference)
    Recipient gets
    โ‚ฆ195,405.42
    Total cost of transfer
    ยฅ13.95 (fee + exchange-rate margin)

    Based on the provider's general fees and margin, not route-specific pricing.

1 provider not shown for this search
  • XE โ€” Minimum transfer is ยฅ3,000.00

We may earn a commission when you use the links on this page. This never affects the ranking, which is based on the amount your recipient receives.

Comparison summary

We compared 5 providers for sending money from China to Nigeria based on a transfer of ยฅ1,000. TorFX offers the best overall value, delivering โ‚ฆ197,773.57 to your recipient. The fastest payout is Wise (Seconds to 2 business days).

Looking for the cheapest way to send money from China to Nigeria? Compare live exchange rates, transfer fees and delivery times across trusted providers below, and see exactly how much Nigerian Naira (NGN) your recipient receives for your Chinese Yuan (CNY).

Rates and fees change constantly, so the comparison above is updated automatically. Whether you are paying for family support, tuition, property or a business invoice, choosing the right provider can save you money on every transfer.

Compare a specific amount to Nigeria

Send ยฅ100 Send ยฅ200 Send ยฅ500 Send ยฅ1,000 Send ยฅ2,000 Send ยฅ5,000 Send ยฅ10,000

Ways your recipient can get the money in Nigeria

  • Bank depositTorFX, Wise, WorldRemit, Western Union and 1 more
  • Cash pickupWorldRemit, Western Union, Remitly
  • Mobile moneyWorldRemit, Western Union, Remitly
  • Digital walletWorldRemit

Ways to pay from China

  • Bank transferTorFX, Wise, WorldRemit, Western Union and 1 more
  • Mobile moneyTorFX, Remitly
  • Digital walletTorFX, Wise, Remitly
  • Debit/credit cardWise, WorldRemit, Western Union, Remitly
  • Cash at an agentWestern Union, Remitly

Card payments are often faster but can cost more than a bank transfer. Use the payment selector above to compare.

What a transfer really costs

You pay two things when sending CNY to NGN: the transfer fee you see up front, and the exchange-rate margin โ€” the gap between the rate you get and the mid-market reference rate. A "no fee" offer with a wide margin can cost more than a small fee with a close-to-mid-market rate, which is why we rank by what your recipient actually receives. Open "How this is calculated" on any result to see both parts.

Typical delivery times

  • WiseSeconds to 2 business days
  • TorFXMinutes to 2 days
  • WorldRemitMinutes to 3 days
  • Western UnionMinutes to 1 business day
  • RemitlyMinutes (Express) / 1โ€“3 days (Economy)

Stated by each provider. Actual times depend on payment method, identity checks, cut-off times and public holidays.

How to send money from China to Nigeria

  1. Compare providers above for your exact amount, payment method and payout method.
  2. Open an account with your chosen provider and verify your identity (usually a photo ID, sometimes proof of address).
  3. Add your recipient's details โ€” bank account, mobile-money number or name for cash pickup โ€” exactly as they appear on their ID or account.
  4. Check the final amount and exchange rate on the provider's confirmation screen before you pay; it can differ from our estimate.
  5. Pay and share the tracking reference with your recipient.

Frequently asked questions

What is the cheapest way to send money from China to Nigeria?

The cheapest provider may vary depending on transfer amount and payout method. Compare providers above to find the best option.

How long does it take to send money from China to Nigeria?

Delivery times range from a few minutes to several business days depending on the provider.

What payment methods are available?

Most providers support bank transfer, debit card, credit card, and mobile money payments.

Can I send money online to Nigeria?

Yes. Most major providers allow you to send money online or through their mobile apps.