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
Today's indicative rate 1 AUD = 945 NGN · A$3 fee on A$100 · Delivery time: Few seconds
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.
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.
Special rate · 14 Oct 2026, 3:30 pm Sydney time
1 AUD = 960 NGN
On your first A$100 once your account is verified. Indicative — Terms apply
Last 31 days, one point per day
Indicative — see the live rate in the app
What arrives in Nigeria
| You send | Fee | They get |
|---|---|---|
| A$100 | A$3 | 91,689.25 NGN |
| A$500 | A$3 | 469,789.25 NGN |
| A$1,000 | A$3 | 942,414.25 NGN |
Indicative, at the standard rate. Your exact rate, fee and amount are shown in the app before you confirm.
Registered, Australian & safe
- AUSTRAC-registered remittance provider
- Australian owned & operated
- 256-bit encryption
- Fraud-monitored transfers
Worked examples
What arrives in Nigeria
| You send | Fee | Your recipient gets |
|---|---|---|
| A$100 | A$3 | 91,689.25 NGN |
| A$500 | A$3 | 469,789.25 NGN |
| A$1,000 | A$3 | 942,414.25 NGN |
Indicative; the rate is confirmed when you send. Your exact rate, fee and the amount your recipient receives are always shown in the app before you confirm.
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.
Your recipient gets
~ NGN
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
“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
Delivery
How your money reaches Nigeria — methods & speed
Delivery time to Nigeria: Few seconds. Your exact delivery estimate is shown in the app before you confirm.
Bank deposit
Direct 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 money from Australia 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 details.
- 4
Send and track
Confirm and track your AUD to NGN transfer in real time.
Paying for your transfer
Ways to pay from Australia
Any charge a payment method adds comes on top of the transfer fee. Your exact total is shown in the app before you confirm.
PayID
No added charge
AU Bank Transfer
No added charge
Card Payment
Adds A$0.50 + 0.5%
Apple Pay
Adds A$0.50 + 0.5%
Google Pay
Adds A$0.50 + 0.5%
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.
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.
TopRate app
Ready to send AUD to Nigeria?
Join thousands of 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.
Australian owned & operated