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Send Money to Nigeria

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Send Nigerian naira in minutes with a Ria or Western Union transfer from Money Services and help out friends and family at locations across Nigeria.

  • Locations in the Kroger Family of Stores for extra convenience
  • Send funds from more than 2,000 stores across the US
  • Pick-up locations throughout Nigeria including leading banks and other agent locations
  • Send naira quickly using Ria or Western Union
  • Everyday low fees and exclusive benefits with your Shopper’s Card
  • Want to know more? Find out more about us

Ways you can

Choose from three different ways to send money from the US to Nigeria with Money Services:

In Store

Walk into your nearest Money Services to complete your transfer in person.

Stage & Pay

Begin your money transfer online at home, then visit us in store to finish your payment. Learn how.

Online

Turn your dollars into naira and send funds across Nigeria in minutes. Find out more.


Ways to

Next, choose how funds are delivered. Send funds to several major Nigerian banks, including First Bank of Nigeria, Diamond Bank and Access Bank. You can also transfer to several other agent locations across the country. Alternatively, deposit directly into your recipient’s bank account.

Why send with

With locations across Nigeria, sending money with Money Services to your loved ones is easy. Your dollars will be converted into Nigerian naira and you can send up to $10,000 USD.

Whatever your reason for sending – whether it’s supporting family or transferring money as a gift – we make it simple and secure. Money Services is part of the Kroger Family of Stores and is powered by Ria and Western Union. Each transfer is trackable, and you’ll know as soon as your funds are collected. Track your money transfer using Ria’s PIN or Western Union’s MTCN or sign up for SMS text notifications to receive an instant notification when your funds have been paid out in Nigeria. Message and data rates may apply.

Find out more about how we securely manage your money with Ria and Western Union.

Pile of US dollar bills

Send money your way

  • Send money online

  • In-store support

  • Help manage your money

  • Easily send money your way

To help us complete your money transfer to Nigeria,

To help us complete your money transfer to Nigeria, please bring:

  • The recipient’s name (ensure that name exactly matches the recipient’s ID) and location
  • Enough money to cover the amount you want to send – cash or debit card is fine
  • Funds to cover the fee
  • Valid Photo ID

Types of ID

  • US-issued Passport

  • Foreign Passport

  • State-issued ID

  • Driver’s License

  • Resident Alien ID

  • Military ID

  • Matricula Consular ID

  • National ID Card

  • Tribal Nation or Reservation ID

How to send money

It’s simple to send money with Money Services. Here’s how:

  • Find your nearest store

  • Provide the recipient details

  • Choose Ria or Western Union to deliver your money transfer

  • Select cash pick-up or bank deposit delivery option

  • Pay the fee* + transfer amount and present your valid photo ID, if required

  • For Ria: The recipient will need the PIN and valid photo ID

  • For Western Union: Tell the recipient the 10-digit Money Transfer Control Number (MTCN) and the amount – they’ll also need photo ID.

About

Nigerian naira (NGN) is the official currency of Nigeria, although the Kobo is also used as coinage. It is issued solely by the Central Bank of Nigeria and was introduced in 1973 to replace the British Pound.

Sending money to Nigeria

Are you ready to send money to Nigeria? Read through our Frequently Asked Questions to help you answer the most common questions we’re asked before you begin the process.

In partnership, Money Services, Ria and Western Union have made it possible for you to easily send money to friends and family in more than 200 countries. Our providers have more than 435,000 agent locations around the world, making the process convenient for both sender and collector. Use our store locator to find your nearest Money Services.

If you’re expecting funds to be sent to you, finding a Money Services or any participating Ria or Western Union agent location to collect your money couldn’t be easier. Search our store locator for Money Services locations or find your closest Ria or Western Union agent on their website.

In order to protect yourself from fraud, you should think carefully about who you’re sending funds to. In general, we advise you to only send money to friends and family. In all instances, to protect yourself from fraud, you should only ever send money to people you know and trust. We’d advise never sending money to someone you’ve not met in person.

Protect yourself from fraud and discover more information here.

A couple of factors influence how long it takes for the funds to be processed and collected by the recipient – namely the country to which the money is being sent and the service selected.

There’s a Money in Minutes service for swift payments that can’t wait and a Next Day service for less urgent transfers. For further information, visit the Ria or Western Union website.

Fees for sending money vary depending on the amount you wish to send and the location you’re sending it to. With Money Services you’re able to send money to loved ones anywhere around the world and feel the benefits of reduced fees.

These fees differ depending on the service you’re using. For more information, read the Send Money section of our website.

Kroger engages in the money transmission business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code.  If you have a complaint, please contact Western Union Customer Service first at 1-800-325-6000.  After contacting Western Union Financial Services, Inc. and if you still have an unresolved complaint regarding the company’s money transmission services, please contact the Texas Department of Banking at 2601 North Lamar Boulevard, Austin, TX 78705 – telephone number 1-877-276-5554 (toll free) or visit www.dob.texas.gov for more information.

*Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees, foreign exchange rates and taxes may vary by brand, channel, and location based on a number of factors. Fees and rates are subject to change without notice.

†Date available will be displayed on receipt for international transfers over $15. Service and funds availability depends on certain factors including the Service selected, the selection of delayed delivery options, special terms applicable to each Service, amount sent, destination country, currency availability, regulatory issues, consumer protection issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones (collectively, “Restrictions”).

**Fee reductions apply only to the Western Union transfer fee for a single Western Union Money Transfer or Quick Collect transaction. Excludes all other services, including without limitation, online bill payments, and money transfers via social/chat applications. Points used will not be reversible and if amount of transfer fee is less than redeemed discount, no cash, credit or refund will be provided. Western Union reserves the right to offer promotional discounts that cannot be combined with My WU fee reductions.

Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985, which are licensed as Money Transmitters by the New York State Department of Financial Services.  See terms and conditions for details.

The Western Union name, logo and related trademarks and service marks, owned by Western Union Holdings, Inc., are used with permission.

Ria is a registered trademark of Continental Exchange Solutions, Inc. NMLS #920968, dba Ria Financial Services. Kroger is an authorized delegate of Ria (Continental Exchange Solutions, Inc.) pursuant to Chapter 151 of the Texas Finance Code. If you have a complaint, please call Ria at (855) 355-2145 or visit https://us.riafinancial.com/en/legal/file-complaint.

For Texas consumers: Ria is licensed under Chapter 151 of the Texas Finance Code.  After contacting Ria, if you still have a complaint regarding the company’s money transmission services, please contact the Texas Department of Banking at 2601 North Lamar Boulevard, Austin, TX 78705 – telephone number 1-877-276-5554 (toll free) or visit www.dob.texas.gov for more information.

For consumers in all other states: see full terms and conditions, including regulatory contact information, on your receipt.

Date available will be displayed on receipt for all transfers. Service and funds availability depends on certain factors including the amount sent, destination country, currency availability, fraud prevention measures, regulatory issues, consumer protection issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones.

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