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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 United Kingdom — low fees, great rate
Send GBP to NGN at competitive exchange rates, straight from the TopRate app — built for the Nigeria community in United Kingdom sending money home to family and friends. Trusted by 16,000+ UK senders to Nigeria.
Special rates are rewards you earn — through cashback, referrals and your first transfer free — applied on top of our live GBP→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.
Live GBP → NGN rate
Rate updated in real time
Your first transfer is free— no fees on your first send to Nigeria
4.8App Store4.7Google Play
Real savings, real people
From the Nigeria community in United Kingdom
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 · GBP → 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 daysDirect to Zenith Bank and other major banks
Payout methods
- Zenith Bank
- GTBank
- First Bank
Supported banks
- Zenith Bank
- GTBank
- First Bank of Nigeria
- Access Bank
Simple process
How to send GBP 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 GBP to NGN transfer in real time.
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 do I send GBP to Nigeria?
Create an account, verify your identity, enter your Nigerian recipient's bank details (Zenith, GTBank, Access, or First Bank), and confirm. Funds arrive in 1-2 business days.
What is the GBP to NGN rate?
We offer live NGN rates updated every few minutes. Use the calculator above to see today's GBP to NGN exchange rate with our fees included.
Is it safe to send money to Nigeria with TopRate?
Every TopRate transfer is encrypted and monitored for fraud. TopRate Transfer is a registered remittance dealer with AUSTRAC (Australia) and on the Financial Service Providers Register (DIA-supervised) in New Zealand. TopRate currently serves customers based in Australia and New Zealand; the UK market is on our roadmap.
Can I send money to GTBank Nigeria from the UK?
Yes. We support GTBank, Zenith Bank, First Bank, Access Bank, and all other major Nigerian banks.
Is your GBP 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.
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 GBP to Nigeria?
Join 16,000+ 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.
4.8App Store4.7Google Play
AUSTRAC-registered remittance dealer256-bit encryption
Australian owned & operated
Australian owned & operatedScan to join