Send money from Philippines to Nigeria

You pay in PHP, the recipient gets NGN. Below are services that can do this today, ranked by how much actually arrives after all fees and exchange-rate markups.

Market rate: 1 PHP = 21.2839 NGN
Estimates for 20,000 PHP; open the converter for your own amount. · Updated:

Services that send this corridor directly

None of the services we track pays out NGN for PHP in one step yet. The two-step route below usually works.

Two-step route via a dollar stablecoin (USDT)

Buy USDT for PHP in one service, send it (fees are cents), and sell it for NGN in another. Two steps, but often cheaper than a bank wire, and it works for corridors nobody serves directly.

Step 1 — PHP → USDT

Telegram Wallet Best now
Loss vs market: 2.3%
313.22 USDT
Карта / Apple Pay (Mercuryo) -> USDT, в пределах бесплатного порога → USDT (TON)
Open Telegram Wallet

Step 2 — USDT → NGN

Ether.fi Best nowBonus for new users
Loss vs market: 0.35%
132,311.68 NGN ≈
USDT (Solana) → Local transfer
Open Ether.fi

Calculate your amount

How it works

  1. Pick a service above and open it with our link (some give a bonus on the first transfer).
  2. Register and pass a quick identity check — usually a passport photo, a few minutes.
  3. Pay with a card or bank transfer in Philippines; the recipient in Nigeria gets money to a card, account or wallet.

FAQ

What is the cheapest way to send money from Philippines to Nigeria?

Compare the amount received, not the advertised fee: a "0% fee" service can hide 3% in the exchange rate. The list above already accounts for both.

How long does a transfer from Philippines to Nigeria take?

Card-to-card and stablecoin transfers usually arrive within minutes; bank payouts can take up to 1–3 business days.

What is the PHP to NGN exchange rate today?

The mid-market rate is 1 PHP = 21.2839 NGN. Services add their own markup; we show how much of it you lose.

Are these services legal and safe?

All listed services are public companies with their own licences and terms. Check the recipient's country rules and your bank's limits before a large transfer.

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