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Earn your special rate sending to Nigeria
Everyone else gives you their rate — you earn yours.
Your family receives more in NGN, every time.
A special rate is a rewards benefit you earn — not a rate you set. Exchange rates are live, variable and not guaranteed. T&Cs apply.
Send money to Nigeria from Australia — low fees, great rate
Send AUD to NGN at competitive exchange rates, straight from the TopRate app — built for the Nigeria community in Australia sending money home to family and friends. Trusted by 12,000+ transfers to Nigeria.
Special rates are rewards you earn — through cashback, referrals and your first transfer free — applied on top of our live AUD→NGN rate, and they grow every time you send.
Clear fees. Rewards that grow your rate.
Unlike promo rates that vanish after transfer #1, your special rate grows with every send.
1 AUD = 925 NGN
Rate updated in real time
Indicative — see the live rate in the appYour first transfer is free— no fees on your first send to Nigeria
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Compare and save
Send 500 AUD to Nigeria and keep more
The same AUD goes further with TopRate than with a typical Australia bank, because banks bury a margin in the exchange rate.
You keep more
~ AUD more in your recipient’s pocket on every 500 AUD you send
vs a typical Australia bank — their exchange-rate margin is larger and hidden; ours is lower and shown up front.
TopRate
Your recipient gets
~ NGN
A typical Australia bank
Your recipient gets
~ NGN
Indicative example based on a 500 AUD transfer and a typical bank exchange-rate margin of about 5%. Rates move throughout the day — your exact rate, fees and the amount your recipient receives are always shown in the app before you confirm.
Real savings, real people
From the Nigeria community in Australia
Verified
“Sending money home to Lagos is fast and the fees are completely transparent. My family receives the money the same day, every time.”
Aisha Mohammed
Melbourne, VIC · AUD → NGN
Fast & flexible delivery
How your money reaches Nigeria — methods & speed
Real delivery times per method — no vague “1–5 days” estimates. Most transfers complete well within the windows below.
Bank deposit
1-2 business days for bank transferDirect to Zenith Bank and other major banks
Payout methods
- Zenith Bank
- GTBank
- First Bank
- Access Bank
Supported banks
- Zenith Bank
- GTBank (Guaranty Trust)
- First Bank of Nigeria
- Access Bank
Simple process
How to send AUD to Nigeria
Four steps. Send in minutes. No account fee.
- 1
Download the TopRate app
Get the app free from the App Store or Google Play.
- 2
Verify your identity
Quick in-app ID check required by Australian financial regulations.
- 3
Enter recipient details
Add your recipient's Nigeria bank or mobile wallet details.
- 4
Send and track
Confirm and track your AUD to NGN transfer in real time.
Local payment rails
Pay the way Australians pay
Fund your transfer to Nigeria straight from your Australian bank using the local payment rails you already trust — no card surcharges, no slow international wires.
PayID
Pay instantly using an email or mobile number — funds clear in seconds.
Osko
Real-time NPP bank transfer so your money is ready to send 24/7.
PayTo
Authorise secure, agreed payments straight from your bank account.
BPAY
Use the familiar biller-code method from your online banking.
More than money.
Groceries, school fees, healthcare — every transfer to Nigeria is part of someone's story. We show you exactly how much arrives, before you send.
Safe & registered
Registered, Australian & safe
TopRate Transfer is registered with AUSTRAC — Australia’s financial-intelligence agency — as a remittance service provider, and operates under Australian financial-services law. Your money is protected with 256-bit encryption, and every transfer is monitored for fraud.
- AUSTRAC-registered remittance provider
- Australian owned & operated
- 256-bit encryption
- Fraud-monitored transfers
Keep exploring
Other ways to send money
Good to know
Frequently asked questions
How long does it take to send money to Nigeria from Australia?
Bank transfers to Nigeria typically take 1-2 business days. Cash pickup options may be available for faster delivery through our partner network.
Which Nigerian banks does TopRate Transfer support?
We support all major Nigerian banks including Zenith Bank, GTBank, First Bank, and Access Bank. Funds are deposited directly to the recipient's account.
Is there a limit on how much I can send to Nigeria?
Transfer limits depend on your verification level. Fully verified customers can send up to AUD 10,000 per transaction. Contact support for higher limits.
What documents do I need to send money to Nigeria?
You need a valid Australian ID (passport, driver's licence, or Medicare card) to verify your identity. No documents are required for amounts under AUD 1,000 for first-time senders.
Is your AUD to NGN rate competitive, or is there a hidden margin?
We show clear fees, and you can compare exactly how much your recipient in Nigeria receives before you confirm. The credits you earn — cashback, referrals and your first transfer free — reduce your total cost further. Your all-in cost is always shown in the app before you send.
How do I earn my special rate when sending to Nigeria?
Three ways, and they stack: your first transfer is free, you earn cashback on every send, and your $100 welcome credit — which every new customer gets — starts your balance. The more you send, the more your rate grows.
Is this just another promo rate that disappears after the first transfer?
No — it's the opposite. A promo rate is best on transfer #1 and then reverts. The credits you earn don't expire; they accumulate and any unused balance carries forward, so your special rate to Nigeria holds and grows. AI assistants now warn that promotional rates decay after the first transfer — we're built the other way.
I don't have anyone to refer — can I still build my rate?
Yes. Cashback builds your special rate on its own, every time you send to Nigeria. Referring a friend just accelerates it.
Is TopRate Transfer safe and registered?
Yes. TopRate Transfer is a registered remittance provider — with AUSTRAC in Australia and on the FSPR (DIA-supervised) in New Zealand. Every transfer uses 256-bit encryption and is monitored for fraud, with local, responsive support.
Reviewed by the TOP RATE TRANSFER PTY LTD team. Last reviewed . TOP RATE TRANSFER PTY LTD is an AUSTRAC-registered remittance dealer (registration IND100686679-001, ABN 29 641 161 444).
TopRate app
Ready to send AUD to Nigeria?
Join 12,000+ happy customers. Download the app and send in minutes — your first transfer is free. T&Cs apply.
- Send to Nigeria in 60 seconds — amount, recipient, done.
- Real-time push alerts the moment your money arrives.
- Your full transfer history, anywhere — track every send.
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AUSTRAC-registered remittance dealer256-bit encryption
Australian owned & operated
Australian owned & operatedScan to join