GeraCash · Remittances
Send money to Nigeria online
GeraCash delivers to Nigeria via Bank transfer (NIBSS Instant Payment), Mobile money (Paga, OPay), Naira wallet top-up. Fees and FX are disclosed in full before you confirm. Transfers clear in instant for nip / opay; 15–60 min for bank transfer outside banking hours.
Payout rails
- Bank transfer (NIBSS Instant Payment)
- Mobile money (Paga, OPay)
- Naira wallet top-up
Receiver options
- Any Nigerian bank account
- OPay / Paga mobile wallet
- Naira debit card top-up
Fees, speed, compliance
- Fee model
- From 0.5% transfer fee; FX spread disclosed before you confirm.
- Typical speed
- Instant for NIP / OPay; 15–60 min for bank transfer outside banking hours
- Limits
- Individual KYC tier: up to NGN 5m per day. Enhanced KYC unlocks higher limits.
- Compliance
- GeraCash operates under the applicable Nigerian payment-institution passporting arrangement. KYC is required on your GeraCash account; sanctions screening runs on every transfer.
FAQ
- How long does a transfer to Nigeria take?
- Instant for NIP / OPay; 15–60 min for bank transfer outside banking hours.
- What's the GeraCash fee for sending money to Nigeria?
- From 0.5% transfer fee; FX spread disclosed before you confirm. You see the total in your send currency and the amount received in NGN (Nigerian naira) before you confirm.
- Do I need the receiver's bank details?
- You need at least one of: Any Nigerian bank account; OPay / Paga mobile wallet; Naira debit card top-up. For mobile-money rails the receiver's phone number is usually enough. For bank transfers you need account number or IBAN.
- What are the sending limits for Nigeria?
- Individual KYC tier: up to NGN 5m per day. Enhanced KYC unlocks higher limits.