TorFX
The most money arrives: ₦2,973,398.50, after a No fee fee and the exchange-rate margin.
Pays the most to Bank deposit: ₦2,973,398.50.
Lowest upfront fee (No fee) — the exchange rate still decides what arrives.
Transfer comparison
Compare today's fees, exchange rates, delivery times and recipient amounts across 6 providers.
Rates updated 8 hours ago
Ranked by what your recipient actually gets.
| Provider | Recipient gets | Fee | Rate | Delivery | Best for | |
|---|---|---|---|---|---|---|
|
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₦2,973,398.50 | No fee | 1,486.6993 | Minutes to 2 days | Most money received Best for Bank deposit | Send with TorFX (opens in a new tab) |
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|
₦2,964,460.43 ₦8,938 less | No fee | 1,482.2302 | 1–3 business | Bank deposit | Send with OFX (opens in a new tab) |
|
|
₦2,962,225.91 ₦11,173 less | €11.50 | 1,489.6786 | Seconds to 2 business days | Fastest delivery | Send with Wise (opens in a new tab) |
|
|
₦2,952,581.62 ₦20,817 less | €1.99 | 1,477.7612 | Minutes to 3 days | Best for Mobile money Best for Cash pickup | Send with WorldRemit (opens in a new tab) |
|
|
₦2,949,563.65 ₦23,835 less | No fee | 1,474.7818 | Minutes to 1 business day | Bank deposit · Cash pickup · Mobile money | Send with Western Union (opens in a new tab) |
|
|
₦2,943,679.27 ₦29,719 less | €3.99 | 1,474.7818 | Minutes (Express) / 1–3 days (Economy) | Bank deposit · Cash pickup · Mobile money | Send with Remitly (opens in a new tab) |
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.
The most money arrives: ₦2,973,398.50, after a No fee fee and the exchange-rate margin.
Pays the most to Bank deposit: ₦2,973,398.50.
Lowest upfront fee (No fee) — the exchange rate still decides what arrives.
Quickest to arrive: Seconds to 2 business days.
Pays the most to Mobile money: ₦2,952,581.62.
Pays the most to Cash pickup: ₦2,952,581.62.
Pays the most to Digital wallet: ₦2,952,581.62.
"Best overall" means the most money reaches your recipient after the transfer fee and the exchange-rate margin. Commission and sponsorship never change the order. Some figures are estimates — confirm the final amount on the provider's screen.
After fees and exchange-rate costs, your recipient gets about ₦2,973,399
Choosing TorFX over Remitly puts ₦29,719 more in your recipient's hands on this transfer.
Where your money goes with TorFX
Rate offered: 1 EUR = 1,486.6993 NGN. Mid-market: 1,489.6786.
Every transfer has two costs: the fee you see up front, and the exchange-rate margin — the gap between the rate you get and the mid-market rate. Add them together and you have the true price.
OFX charges no transfer fee — yet its exchange rate leaves your recipient ₦8,938 less than TorFX. A $0 fee is not the same as the cheapest transfer.
Only methods offered by the providers above.
3 providers
6 providers
3 providers
1 provider
Compare the options above and pick the one that fits your priority. For the most money arriving, that's TorFX today (₦2,973,399).
Enter €2,000 as the amount you send and add your recipient's details exactly as they appear on their ID or account.
Select Mobile money, Bank deposit, Cash pickup, Digital wallet — whichever your recipient can use.
Check the final amount on the provider's confirmation screen, pay, then track the transfer until it arrives.
Estimated · general pricing
Estimated · general pricing
Estimated · general pricing
Estimated · general pricing
Estimated · general pricing
Estimated · general pricing
Today the total cost — transfer fee plus exchange-rate margin — ranges from €4.00 with TorFX to €23.95 with Remitly across the 6 providers we compare.
TorFX is the cheapest overall today: your recipient gets ₦2,973,398.50 after a No fee fee. That counts the exchange rate as well as the fee, so it can differ from the provider with the lowest advertised fee.
Between ₦2,943,679 and ₦2,973,399 depending on the provider, at today's rates. At the mid-market rate with no costs at all, €2,000 would be ₦2,979,357.
Wise is the quickest, delivering seconds to 2 business days. Bank deposits can take longer than mobile money or cash pickup, and a first transfer may be held for identity checks.
Yes. 3 providers pay out to Mobile money, including WorldRemit, Western Union, Remitly. WorldRemit pays the most: ₦2,952,581.62. Mobile money accounts have transaction and daily limits set by the operator, so check them before sending a large amount.
TorFX gives your recipient ₦8,938 more than OFX today (₦2,973,398.50 against ₦2,964,460.43). Rates change, so compare again on the day you send.
Yes. 6 providers we compare deposit into bank accounts in Nigeria. TorFX pays the most: ₦2,973,398.50. Bank deposits are often slower than mobile money.
6 of the providers we compare accept €2,000 on this route. These can't: XE (Minimum transfer is €3,000.00). Larger transfers can also trigger extra identity or source-of-funds checks.