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Sending to Nigeria 🇳🇬

Send payments to Nigeria through direct bank transfers. Payments are automatically converted from USDC to Nigerian Naira (NGN) and settled through the Nigerian banking network.

Benefits of using reply.cash for Nigeria:

  • Lower fees - Typically under 2% vs 3-8% for traditional remittances
  • Faster processing - Bank transfers typically complete in 1-3 business days (varies by bank)
  • No registration required - Recipients don't need to register accounts with reply.cash
  • Privacy - Avoid revealing location and personal information through registration
  • Universal balance - One crypto balance works for all countries, no need to maintain separate balances
  • NUBAN support - Direct transfers to any Nigerian bank account using NUBAN format

Supported Payment Methods​

  • All Banks - Direct transfers to any Nigerian bank account

📚 Want to learn more about bank transfers? Check out our Bank Transfer Deep Dive Guide covering NUBAN account numbers, verification, transaction limits, processing times, and FAQs.

Transaction Limits​

  • Minimum: NGN 100
  • Maximum: NGN 1,000,000

How to Send​

Step 1: Prepare Your Wallet​

  1. Ensure you have USDC in your Solana wallet
  2. Have a small amount of SOL for gas fees (< $0.01)
  3. Connect your wallet to reply.cash

Step 2: Initiate Payment​

  1. Open the reply.cash app
  2. Tap "Send" on the home screen
  3. Select "Local Payment Rails" or "Bank Transfer"
  4. Choose 🇳🇬 Nigeria from the country list

Step 3: Enter Bank Details​

  1. Select "Bank Transfer" or "All Banks" as the payment method
  2. Enter the recipient's bank account number
  3. Select the recipient's bank name from the dropdown list
  4. Enter the recipient's account name (for verification)
  5. Enter the amount in NGN (or USD - it will auto-convert)
  6. Review the conversion rate and total
  7. Confirm the transaction

Step 4: Confirm and Send​

  1. Review all details:
    • Recipient's bank name and account number
    • Account name verification
    • Amount in NGN
    • Exchange rate
    • Total USDC to be deducted
    • Transaction fee
  2. Tap "Confirm" or "Send"
  3. Authenticate using your wallet (approve the transaction)
  4. Wait for confirmation (usually 1-2 seconds)

Step 5: Payment Settlement​

  • Payment is processed through the Nigerian banking network
  • Recipient receives funds in their bank account
  • You receive a receipt for your records
  • Recipient receives bank notification (if enabled)

What Recipients Need to Know​

For Bank Recipients​

  • Recipient must have an active bank account with the provided account number
  • Funds are deposited directly to their bank account
  • Processing time varies by bank (typically within minutes to a few hours)
  • Recipient receives bank SMS/email notification (if enabled)
  • No action required - funds are automatically deposited

Important Notes​

Bank Account Details​

  • Ensure the account number is correct (usually 10 digits)
  • Select the correct bank name from the list
  • Account name should match the registered account holder name
  • Double-check all details before confirming

Currency Conversion​

  • USDC is automatically converted to NGN at current exchange rates
  • Exchange rate is shown before confirmation
  • Conversion happens in real-time during the transaction

Transaction Fees​

  • Recipients receive the full amount - no fees deducted
  • Senders pay only blockchain gas fees (SOL, < $0.01)
  • No additional fees during initial growth phase

Limits and Restrictions​

  • Minimum transaction: NGN 100
  • Maximum transaction: NGN 1,000,000
  • Daily limits may apply based on recipient's account type
  • Ensure recipient's account can receive the amount

Troubleshooting​

Payment Failed​

  • Check that you have sufficient USDC and SOL in your wallet
  • Verify the bank account number is correct
  • Ensure the bank name matches the account
  • Check that the amount is within limits (NGN 100 - NGN 1,000,000)
  • Verify recipient's account is active

If USDC was deducted but payment didn't complete: See our Refund Policy for instructions on requesting a refund.

Recipient Didn't Receive Funds​

  • Verify the bank account number is correct
  • Check if recipient's account has any restrictions
  • Wait a few hours - some banks may take longer to process
  • Contact support with transaction hash if issue persists

Wrong Amount Received​

  • Exchange rates fluctuate - check the rate at time of transaction
  • Verify the amount you entered matches what was sent
  • Check transaction receipt for exact conversion details

Security Tips​

  • ✅ Always double-check bank account numbers before sending
  • ✅ Verify recipient's identity for large transactions
  • ✅ Save transaction receipts for your records
  • ✅ Never share your wallet recovery phrase
  • ✅ Use official reply.cash app only

Need Help?​

For information about other supported countries, see Supported Platforms.