TorFX
The most money arrives: ₦36,148.31, after a No fee fee and the exchange-rate margin.
Pays the most to Bank deposit: ₦36,148.31.
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 5 providers.
Rates updated 11 hours ago
Ranked by what your recipient actually gets.
| Provider | Recipient gets | Fee | Rate | Delivery | Best for | |
|---|---|---|---|---|---|---|
|
|
₦36,148.31 | No fee | 361.4831 | Minutes to 2 days | Most money received Best for Bank deposit | Send with TorFX (opens in a new tab) |
|
|
₦35,858.54 ₦290 less | No fee | 358.5854 | Minutes to 1 business day | Best for Mobile money Best for Cash pickup | Send with Western Union (opens in a new tab) |
|
|
₦35,496.33 ₦652 less | د.إ2.00 | 362.2075 | Seconds to 2 business days | Fastest delivery | Send with Wise (opens in a new tab) |
|
|
₦35,215.96 ₦932 less | د.إ1.99 | 359.3098 | Minutes to 3 days | Best for Digital wallet | Send with WorldRemit (opens in a new tab) |
|
|
₦34,427.79 ₦1,721 less | د.إ3.99 | 358.5854 | 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: ₦36,148.31, after a No fee fee and the exchange-rate margin.
Pays the most to Bank deposit: ₦36,148.31.
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: ₦35,858.54.
Pays the most to Cash pickup: ₦35,858.54.
Pays the most to Digital wallet: ₦35,215.96.
"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 ₦36,148
Choosing TorFX over Remitly puts ₦1,721 more in your recipient's hands on this transfer.
Where your money goes with TorFX
Rate offered: 1 AED = 361.4831 NGN. Mid-market: 362.2075.
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.
Western Union charges no transfer fee — yet its exchange rate leaves your recipient ₦290 less than TorFX. A $0 fee is not the same as the cheapest transfer.
Only methods offered by the providers above.
3 providers
5 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 (₦36,148).
Enter د.إ100 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
Today the total cost — transfer fee plus exchange-rate margin — ranges from د.إ0.20 with TorFX to د.إ4.95 with Remitly across the 5 providers we compare.
TorFX is the cheapest overall today: your recipient gets ₦36,148.31 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 ₦34,428 and ₦36,148 depending on the provider, at today's rates. At the mid-market rate with no costs at all, د.إ100 would be ₦36,221.
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 Western Union, WorldRemit, Remitly. Western Union pays the most: ₦35,858.54. Mobile money accounts have transaction and daily limits set by the operator, so check them before sending a large amount.
TorFX gives your recipient ₦290 more than Western Union today (₦36,148.31 against ₦35,858.54). Rates change, so compare again on the day you send.
Yes. 5 providers we compare deposit into bank accounts in Nigeria. TorFX pays the most: ₦36,148.31. Bank deposits are often slower than mobile money.
5 of the providers we compare accept د.إ100 on this route. These can't: OFX (Minimum transfer is د.إ150.00); XE (Minimum transfer is د.إ3,000.00). Larger transfers can also trigger extra identity or source-of-funds checks.