251 thoughts on “How to receive money in Nigeria from abroad & withdraw it”

  1. Please I will be very pleased if you can help me out here…I did some online referral job creating traffic (you know what I mean)…so after making some money I click to pay out and it brings a page asking for address of cheque delivery…I don’t know what to write there cause am confused…I thought it would be very like paypal and the likes…but this one…I don’t whether I should write my address ni cos its internation or better still my postal address at secretariat….please enlighten me…urgent reply please

    1. Hello Adewole,
      What they are demanding from you is your postal address. It doesn’t matter if it is your residential area address or postal address at secretariat where you work; the most important thing is that you can receive a mail on that address. Don’t NOT use an address that you are NOT SURE of its postal code otherwise the cheque will NOT be deliver to that address. Remember, postal code is NOT SAME as ZIP CODE.

  2. Hello,
    I want to ask a question on your write-up on “How to receive money in Nigeria from abroad through a domiciliary account”. If I wish to send money from outside Nigeria into someone’s account in Nigeria, does the recipient really need to have a domiciliary account? I mean, is it compulsory for the person to open a domiciliary account before I can successfully wire money from a foreign bank into his account in Nigeria? Can’t I still send the money to him if he only has a regular local (non-domiciliary) account in Nigeria? What advantage does having a domiciliary account confer?

    I remember I sent some money about five or six years ago from Southern Africa to a friend’s account in Nigeria. She did not have a domiciliary account. She only had the regular savings account with First Bank. I went to the bank in Southern Africa and provided them with my friend’s first bank account number in Nigeria and the bank’s swift code, and the bank in Southern Africa was able to wire the money into her first bank savings account in Nigeria.

    So, I am wondering if the domiciliary account thing is really necessary if it is possible to send the money directly into a regular account in Nigeria.

    Also, I would like to know: what really is/are the benefits or advantages of a domiciliary account?

    Thanks.

    1. Hello Carl,
      someone can still receive money in Nigeria without having a domiciliary account. In fact, one can receive money in Nigeria into his local account from abroad.

      However, if one must receive any foreign currency (dollar, pounds or euro) and wish to withdraw that foreign currency in Nigeria, you must have a domiciliary account in Nigeria. This is one advantage or benefit of having a domiciliary account in Nigeria. This very important for small business owners who are into import and export businesses.

  3. You still did not explain how to receive dollars from money gram into domiciliary account. Not converted rates by bank. If you can please reach me on timijonathan@gmail. com

  4. what bank of Nigeria is there in America and Singapore e.t.c I want to receive money from Singapore what should I going to do now pease??

  5. Please someone wants to send money for me from India through western union. Have sent my account details but he is asking for my ifsc code which I don’t understand. I bank with unity bank. Again when the money enters is it possible to get the money with voters card and national identity card.? What if u have your passport and must have provided other information u can’t get your money?

    1. Hello Ifeoma,
      IFSC Code is Indian Financial System Code, which is an eleven character code assigned by RBI to identify every bank branches uniquely, that are participating in NEFT system in India. This code is used by electronic payment system applications such as RTGS, National Electronic Fund Transfer and CFMS. ifsc code is peculiar to Indian banks just as sort code is peculiar to Nigerian banks. What the person should be demanding from you is your bank SWIFT CODE. A SWIFT code is an international bank code that identifies particular banks worldwide. It’s also known as a Bank Identifier Code (BIC). Commercial Bank uses SWIFT codes to send money to overseas banks. A SWIFT code consists of 8 or 11 characters. Visit your bank (Unity bank), request for the bank SWIFT code; tell them what you want to do with it. Once you get it; send it to the person.

      For your second question- you must have something to identify you-National ID, VOTER’S CARD, Driving license, etc depending on the sender’s instructions and your bank policy . Bank will not give you the money unless the money is paid direct into your account.

  6. A friend want to send money to me from Japan into my access bank Dom account. He’s not sure of how to do it neither am I…pls help out

    1. Hello John,
      it is very simple! John. Go to your bank (Access bank ) and request for the SWIFT CODE AND ROUTING NUMBER. Tell them what you want to do with it. Send your account details to your friend including your bank SWIFT CODE and the ROUTING number. He will just wire it into your domiciliary account.

  7. hello please someone actually sent me money from Malaysia about a week ago but I haven’t gotten it..I have a regular savings account with diamond bank.please what do you think is the problem?

    1. Hello Eve,
      You should receive the money within 14 working days since it is regular savings account. If it was a domiciliary account, within 48 hours (2 working days) you will receive the money. So, if it stays up to 14 working days and you did not receive the money, please visit your bank (Diamond bank); they own you an explanation of what has happened.

  8. What I want to know is how one can send money out from Naija apart from MoneyGram. Have actually tried MoneyGram but it’s not helpful, the banks say access is slick… and they have filled form and transactions lined up. I need to send money to Egypt.

  9. Pls i need an advice on what to do i wanted to register for an online biz which i didnt complete my registeration because i was told to choose my payment method&i was given 3 options 1.electronic fund transfer,2.money order,3.paypal i didnt know what to choose in order to get my pay when i start i have a savings account only&also paypal doesnt allow u 2 withdraw&i dont know if its possible to send the money from paypal to my firstbank savings account so pls which payment option should i pick or what can i do to get the money pls reply asap thanks

    1. Hello Debbie,
      To make things simple and easy, if you can open domiciliary account may be with GTBank or Diamond bank; that would be best. Then go back and choose Electronic fund transfer.

  10. Thanks but must it be GTBank and Diamond bank lyk what if i want to open a domicilliary account with firstbank can’t i go ahead or is their protocol much&again pls what are the requirements can u pls help out wit dat tnx a lot awaiting ur reply

    1. Hello Debbie,
      You can go ahead and open the domiciliary account with Firstbank but I prefer GTbank or Diamond. GTbank will always have dollar to pay you when you receive payment(in dollar) from abroad. Again, GTbank can issue you dollar MasterCard which you can use for international transaction when you request for that but Firstbank as of today has not started issuing dollar MasterCard.

      Anyway,that is by the way; domiciliary account is domiciliary account. Requirements and protocol for opening domiciliary account is relatively the same.
      Every thing is here: Check it out ; How to open a domiciliary account with GTBank,Firstbank and Zenith bank

  11. please can you advise me on this. a friend demand for my details to send money to my dom account with fidelity bank plc. so the bellow is what i send to him :
    BANK NAME: FIDELITY BANK PLC
    BANK ADDRESS:………………………………………………..
    ACCOUNT NUMBER:………………………………………….
    SWIFT CODE:……………………………………………………………..
    ACCOUNT NAME:………………………………………

    I want to know whether the money will be credited into my Dom account with the above given details.
    he is sending from serbia to Nigeria.

      1. but some people are saying without the corresponding bank (citibank usa) that will not enter.
        some said it must surely enter as long as the swift code is their and the bank name with the account number. so that is why i want to be very sure from you.

        colins

        1. Hello Collins,
          Definitely, it will enter; as long as your account name, number and swift code are correct. If it did not enter within 14 working days (I said, “within 14 working days” which means it can be 48hrs, 72hrs etc but less than 14days ), go to your bank (Fidelity bank) and ask them what happened.

  12. Please I recently did a wire transfer from edorado bank USA to my brother in Nigeria but the wire was done on his savings account please it is 2weeks now no trace money was converted to naira what do I do . I have the online payment slip with me

    1. Hello Wilson,
      There are two conflicting statements you made here;
      1…”I recently did a wire transfer from edorado bank USA to my brother in Nigeria but the wire was done on his savings account”.
      2. “I have the online payment slip with me”

      Did you make the transfer via internet banking? Or you visited edorado bank USA and did the bank wire transfer. Again, when you did the transfer; in what currency form is the money you transferred to your brother’s savings account. Please, clarify me.

  13. I am using a USA PayPal from Auction Essistance, but I am having issues cashing out since PayPal doesn’t support Payoneer anymore.

    Does anyone have any suggestions?

    1. HOW TO WITHDRAW FROM YOUR PAYPAL ACCOUNT IN NIGERIA

      Hello Otu Gabor,
      Here are my suggestions;
      1. Partner with us-We can help you sell it to our buyers who want to shop online and those who want to transfer money abroad. We charge based on the local currency exchange rate of our country and have the money pay into your local bank account. If you are interested in partnering with us, don’t hesitate to let me know.

      2. Shop online with the money-you can use your PayPal fund to shop on most online shops. It depends on want you want. You can use it to purchase goods and services as you wish online and have them ship to you in Nigeria.

      3. Sell your PayPal fund to exchangers like libertyreserve and have the fund pay into local bank account.

  14. Is it possible to receive money from any part of USA to my First Bank account……and please can you tell me how this can be done. What steps do I need to take. Thank you

    1. Hello Nifemi,
      Yes, it is possible for both domiciliary and savings account. However, it would be better if your account is domiciliary account than savings account. At least you would be sure of receiving the money within 72hours or less. Savings account can take up 14 working days and the money receive in Naira.

      STEPS YOU NEED TO TAKE
      1. Visit your bank (Firstbank) and request for their Sort Code and Routing Number
      2. Send the Sort code, routing number, your account number, account name, bank name and the branch to your money sender. That’s all.
      With these information, the person can send the money to your account in Nigeria.

    1. Hello Godwill,
      Visit your bank (first bank), request for the bank’s Swift Code and Routing Number. Once you get Swift Code and Routing Number from your bank, send it to the money sender in Canada including your

      • Account name
      • Account number
      • Bank name and Branch with full address.

      That’s all!

  15. Hello,

    I have called money gram and explained how I want to send from USA to nigeria domiciliary account and they said that Money Gram has a contract that ONLY Naira can be received in Nigeria. Is this the case? Because I have sent many times through money gram (which could only be received in Naira) Now we have a domiciliary account for the reason to receive dollar from it. I have yet to try and send this money…
    1st: Because Fidelity Bank does not know what we mean by Routing/BIC/IFSC
    2nd: Because I don’t want to send it this way if they will not receive dollars.

    Do you have any suggestions on how and what I should do?

    1. Hello Summer,
      I’m sure you didn’t go through all the comments on this page before you posted your own comment. I have answered this question you asking now here before.

      If you have a domiciliary account in Nigeria, you don’t need to go through MoneyGram again to send money (dollar) to Nigeria.
      All need are;
      1. bank name and branch
      2. your bank swift code (Fidelity bank Swift code if you open the domiciliary account with Fidelity bank )
      3. account name.
      4. account number.
      5. routing number is NOT necessary.

  16. Thanks for you commitment on this page, God bless you real good.. Please i have a dom account and i hope to recieve money through my gtbank dom account soon, and making inquiries to ensure that if the money get wired that the Bank wont force me to take it in naira cus i need my money in dollas. I want to knw if the federal govt laws is against recieving dollas from dom account?

    1. Hello Kelly,
      you can withdraw the money in dollar that is why the account is called domiciliary account. But like I said, the bank can tell you that they don’t have dollar to pay you as of the time you wish to withdraw it and you can’t do any thing. All you can do is to check other branches of the same bank.

  17. And also i want to knw if can recieve up to $20000 from Bank wire, and if i can withdraw all from Bank at once in dollas thank you, cheers!!!

    1. Hello Kelly emmanuel,
      Yes, you can receive up to that via bank wire and you can withdraw all from the bank at once in dollar provided the bank has such amount of dollar to pay you or even have dollar at all to pay you. Sometime, the bank will tell you that they don’t have dollar to pay you and you can’t do any thing.
      Again, you may be required to provide evidence to show that you own the money since the money is huge.

  18. please someone is bout to send money to me from the U.k ,is there anyway I can cash it out without it being converted to naira ?
    thanks

    1. Hello Tunde,
      Yes, if the money is send to you through bank wire transfer via your domiciliary account; you can withdraw it in dollar, Pounds or Euro here in Nigeria

  19. ok ,Thank you ,but if it’s sent through other means like moneygram or Western union to my Domiciliary account ,I can’t withdraw it in dollars abi ?

  20. nice article.. It’s really helpful so far but am still confused about the quickteller procedures. . like I’m about to recieve money from US this week and I have the normal gtbank savings account and I want it to be transferred directly there.. should I send details of my gtbank or quickteller? I don’t have a dorm account but will love to receive it through quickteller.. will be very glad if you can elaborate more on it pls.. thanks alot.

    1. Hello Becky,
      Yes! you can send money direct to your Gtbank savings account. All you need to do is to provide the sender the following bank details;
      1. bank name,
      2. account number,
      3. account name,
      4. your bank swift code.

  21. Hello, my old time friend wants to send me money from Spain to Nigeria and doesn’t know how to go about it. pls can you be of help???

    1. Hello Dave,
      there are many ways to send money to Nigeria which I have explained in the article.
      This include;
      1. direct bank wire transfer
      2. western union money transfer
      3. moneyGram
      4.quickteller transfer etc. If you want me to explain anyone to you I will do that.

      1. Hi i have dom account in dubai,its online banking and im here now in the philipines i want to transfer some on my local account but the online banking requiring a COT code for a successfull transfer,what is that mean?

  22. Hi i have a dom account in dubai and im now in the philippines its a online banking,i want to transfer some fund in my local account but it requires COT code what is this

    1. Hello jessan martinez,
      Cost of Transfer (COT Code) is allegedly needed to complete international wire transfers.
      If you are trying to transfer money from an account that you actually opened yourself into another account that you actually opened yourself then you do not need a COT code. International bank money transfers require the use of IBAN, BIC or SWIFT code in conjunction with or without the BBAN. They do not use a COT code.

  23. some one sent me money from India, I operating a savings account with fidelity bank, for over 24 hrs the money have not reflect in my account in Nigeria.

    1. Hello Austin,
      The money CAN NOT reflect just within 24 hour. The maximum expected time the money should reflect on your account should be within 14 working days ( I said within 14 working days…so it can be a 24hrs, 48hours, 72hours, etc but less than 14 working days)

  24. please i did an internet business the refiral stuf i was options to choice for my payment !-western union!!-moneygram!!!-paypal —pls which one is the Best which one should i choose??

  25. I earned some cash through online business but don’t know how to receive it her in Nigeria… the options given to me were PayPal,payza,bank wire transfer, pls help me out

    1. Hello Ogechukwu,
      First visit any of these bank; GTbank, Diamond bank or Fidelity bank; open a domiciliary account with any of them. Then go back and Chose bank wire transfer. This will save you a lot of stress if you can do it.

  26. Wen receiving money through international transfer, can I use the sort code of a preferred branch of the bank. Or must it be the sort code of the particular branch I opened my account?

    1. Hello Ayo,
      please you don’t need sort code for receiving international transfer, what you need is SWIFT CODE. There is difference between sort code and SWIFT CODE. And the SWIFT that you need is your bank’s SWIFT CODE. GTBANK SWIFT CODE is the same everywhere, whether, it is the branch you open the account or not.

  27. Someone wants to send me money from India so, he demanded for my account number. I have first Bank and wema bank account. I should I go about it?

  28. Please Emma some one wants to send me money from USA and he’s asking for account number and routing number which I don’t understand what that routing number is… Pli help out..

  29. good day admin. please why is my post not appearing here. I posted a long comment during the day but cant see it here…

  30. somebody want to send money to my regular savings account in nigeria, but he said he is having problems sending it due to c.b.n policy, has c.b.n banned money transfer to nigeria savings account?.

  31. Am in Delta, warri precisely and if the person is to send the money is he going to make use of the Western Union with does information you gave me… Acc number…. Acc name… Bank name…. Swift code..??

  32. Hello you are really trying replying all the questions. Do you have idea how much uba bank charge for bank transfer from Germany sent to savings account and also DOM account in Nigeria And also other banks.

    1. Hello Ngozi,
      The person who transfer the money to you usually pay for the transfer charges. If you want to withdraw the money sent to your domiciliary account in Nigeria, you will be charge about 0.05% of your withdrawal. But, for your savings account; you will not be charge.

      I don’t know if I have answered your question. Feel free to ask questions where you are not clear.

  33. Excuse me please, a friend of mine told me he sent money to my account yesterday from UK but I’ve not gotten any alert I called to confirm he said there’s network delay. Could that be true

    1. Hello Pearl,
      To which type of your account (savings or domiciliary account) did your friend transfer the money to?
      If it is a savings account, it can stay up to 14 working days before you receive the money. If it is domiciliary account, 48 hours is enough for you to receive the money.

  34. Recently( August 2nd 2016)CBN blocked western union and money gram from India to Nigeria
    What other way can I receive money from India. Thank you

    1. Hello Trill Tayoo,
      You can send and receive money in Nigeria via international wire transfer through domiciliary account.
      Let me introduce to this forum 2 third party agents that deals with sending and receiving of money; SKrill account, Transfast.

  35. Gud day sir,you are doing a great job by solving all dis questions,I don’t have any question to ask bcus you have already answer them,even the ones my bank customer care will not answer. May God almighty solve all your problems 2. Keep it up Sir

  36. Hello Emma,

    I want to know can i receive money from India direct into my Access Bank Savings account ?also when the money will reflect in my account ?

    1. Hello Ayo,
      Yes, you can receive money from India direct into your Access Bank savings account. However, you have provide the every bank details necessary for sending the money. The money usually reflect within 14 working days

  37. Hello, name sake. Great work sir.

    But once again, Nigerian Banks are no more clearing foreign checks.

    I got a Check from USA in August, 2016, but Gtbank won’t collect it, for clearing to my domiciliary account. Other Nigerian Banks too, same story.

    Only Multinational banks accept foreign checks now in Nigeria.
    Now, my question is, can I deposit the check into someone’s UBA domiciliary account?

    Bearing in mind that the check had my full name, and the holder of the Dom account has a different name, meaning the two names are not same.

    This is because someone said he can help me clear the funds, but I was thinking both names have to tally.
    What do you think?

    1. Hello Emmyk,
      You CAN’T clear your check in someone’s account. The check is bearing your name which is different from the person’s account name. What magic did the person want to perform?
      I have to look into your case to see the possible way(s) of clearing such check.

  38. hello someone want to transfer money from his foreign account (bank of america) to his domiciliary account here in Nigeria but couldn’t transfer just because the bank of america will have to release a code for $770 before the transfer can be made. The money in question is about $200,000. Please is this a true statement or that person is a scammer,because he had requested that I should borrow him $770 in oder to be able to get access code for transfer of his money from foreign accounts. Please kindly advice me on this as he had showed me evidences

    1. Hello Henry,
      The person is a scammer. Of course, you should have known that he is NOT telling you the truth. Such a statement is NEVER true. He wants to dupe you. Bank of America DO NOT charge for release of any code before transferring money. If he argue so much, tell him to allow the bank to deduct the $770 from $200,000 and then send the remaining balance to your domiciliary account.

  39. Hello Emma,

    I will be receiving funds from an online referal job. The options of payment are paypal, payza, moneyGram and cheque. I’m considering selecting either Moneygram or cheque. Which wud u advice me to choose in terms of d one with lesser stress withdrawing d money.

    1. Hello Edwin,
      Please, don’t even try selecting Cheque. Foreign Cheques are now somehow difficult to clear and withdraw in Nigeria. I advice you select MoneyGram or Payza. If you don’t know much about Payza, then select MoneyGram.

      1. Thanks a million for this advice. God bless u! Pls can you give so information on what you know about payza?. Can I use my first bank master card? I feel payza is more direct.

  40. Please dear Emma, someone wants to do an online transaction from his bank account to my first bank savings accounts. I want to be sure CBN still allows foreign transactions. Cause a banker was telling me the other day that it’s no longer possible to receive payments from foreign countries. I want to be sure of all this. And please, if the money is sent online direct to my account, do I still need to clear the money using “voters card, permanent ID card or the likes”? I’ll gladly be expecting a reply from you. Below is my email address.
    @jeremykelbanks@gmail.com.

    Thank you!!

    1. Hello Jeremy Banks,
      Yes, you can still receive payment from foreign countries. If the money is sent direct to your bank account, you do not need to clear the money again however, if the money is a huge sum; you may need to provide evidence of ownership or earning before you can withdraw it.

  41. Thank you so much, Bruh!! I really appreciate the reply. You’re so Reliable. But I have another question, if the money is paid as dollars into the account, the bank transforms it to naira automatically using their current exchange rate, right? Please I’ll like to know first bank current EXc rate, as I know it changes every day. Thank you!!

    1. Hello Jeremy Banks,
      Yes, the bank converts it to naira automatically using the current official exchange rate. As of this morning, 6th September 2016; the official exchange rate is $314.75 per dollar. However, the black market exchange rate is over $400 per dollar.

  42. Thank you so much, Emma. I really do appreciate your work in here.

    I wish to work with you sometime soon in the near future.

    Thanks again!! Bless up.

  43. Pls what is the swift code for First bank and UBA???

    And also the money is just 3000 us dollars….is first bank going to ask for my voter card or any means of identification and if so how much do u think I can tell the person to send it to avoid presenting any means of identification

    1. Hello Adewale,
      The Firstbank swift code is FBNINGLA and UBA SWIFT code varies from branch to branch. For whereby you are not sure of your UBA branch swift code, you use this – “UNAFNGLA”. UBA swift code for Lagos Branches is Bank : UNITED BANK FOR AFRICA PLC
      Branch : (LAGOS CENTRAL BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA002
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (LAGOS EAST BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA003
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (APAPA WHARF BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA004
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (IKEJA BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA005
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (ILUPEJU BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA006
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (IJORA BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA007
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (EBUTE METTA BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA008
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (IDUMAGBO BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA009
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (UNILAG BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA010
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (IGANMU BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA011
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (FALOMO BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA012
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (TINUBU BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA014
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (OREGUN BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA016
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (APAPA WAREHOUSE BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA026
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (OBALENDE BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA130
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (AGBARA ESTATE BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA138
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (IKORODU ROAD BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA143
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (MARINA WEST BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA150
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (UBA REGISTRARS)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA181
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (IDOWU TAYLOR BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA193
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (UBA HOUSE BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA204
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (SURULERE BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA205
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (ADEOLA ODEKU BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA213
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (MM INTL AIRPORT ROAD)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA217
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (ALAUSA BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA218
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (BREADFRUIT BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA219
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (OKE ARIN BRANCH)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA221
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (LAGOS CASH MANAGMENT CENTRE)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA226
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (ALABA INTERNATIONAL MARKET)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA227
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (E-BANKING SERVICE DEPT.)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA228
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (LAGOS AREA CLEARING CENTRE)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA301
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (TREASURY OPERATIONS)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA302
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (FINANCE OPERATIONS (FINOPS))
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA303
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (FOREIGN CURRENCT DOMICILIARY)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA304
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (FOREIGN TREASURY OPERATIONS)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA305
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (FOREIGN TRADE)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA306
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : (SALARY ADMINISTRATION DEPT.)
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA307
      Bank : UNITED BANK FOR AFRICA PLC
      Branch : –
      City : LAGOS
      State : Nigeria
      Swift Code : UNAFNGLA

      You Must provide a means of identification before you can collect the money no matter how small.

  44. Morning pals hope you’re doing good, my friend is sending money to me from Saudi Arabia using western union transfer, please how can i collect the money from Nigerian agent after he send, I mean what are the procedures of collecting western union transfer. Thank you

    1. Hello Abdulazeez Fagam,
      As you friend send the money to you in Nigeria, he or she will send you a secret code. Visit any bank in Nigeria that is Western Union money transfer agent (example Firstbank, UBA, Access bank, Diamond bank, Fidelity bank etc.); supply a valid identification (national ID Card, Driving license, or international passport and passport photograph) to them alongside with the secret code and collect your money.

  45. Thank you, sire!! But I’d still love to ask, is a bank’s •sort code• really necessary for foreign transactions? And does all first bank branches use the same •swift code•?

  46. Hey! I want to send money to a dom account in Nigeria. I am paying the fee you, would the bank in Nigeria also charge a fee for receiving?

  47. You’ve really contributed a lot to this forum, Emma. And may God Almighty always bless you for your good deeds. Thank you once again, sire!!

  48. Gdmorng Mr Emma. Pls I wud be glad if I get a swift response 2my question. My uncle wnts 2 send me money from Switzerland and he asked that apart from Western union and Money Gram,which other way do I normally use to receive money in nigeria. I dnt knw why he dosnt wnt 2 use those 2 platforms & I dnt wnt 2 ask him why either b4 he loses interest in sending d mony(laughs) u knw wot I mean. My questions. 1.is der any other fast platform? If der is, hw do info about it? 2.If he sends 2my dom acct,is my bank goin to pay me in Swiss franc or dollars? Tanx so much

    1. Hello Prince,
      Receiving the money via domiciliary account is best method to receive the money. So, since you have domiciliary account, he can wire the money into domiciliary account. Your bank will pay you in dollar if you Dom account is in dollar account.

  49. Please, Dear Emma.. I want to ask you something. If someone makes an international transfer to a wrong account number with entirely another details (like the name and all) is it possible to cancel such transaction and resend the money to the right account?

  50. Hello there, Emma. Please I need your urgent response on this. Someone tried making a transfer to me from his singapore account to my savings account here in Nigeria. During the process of making the transfer, he made a mistake with my account number. I want to know if the transfer will be rejected and bounced back, or will it be credited to the wrong account?

    1. Hello Jeremy Banks,
      The transfer will not go through, it will be reverted back to the sender’s account. The only way it will credited to the wrong account is if the account name and account number that is wrong written are associated to the same account.

  51. No sir!! Everything written and sent were my details (except the account number). He made a mistake with the first four numbers. Thanks once again for your help. You’re indeed a life saver. At least now I can sleep knowing I have little to worry. Thanks again, and have a graceful weekend.

  52. Hello sir, please I need your clarification on this.

    Someone transferred money to my savings acct via bank wire transfer on Saturday 10/09/2016 from U.S. He later sent me the following message.

    “Hello Sunday
    Will go out Monday and depending on your bank processing it should be available to you within the week. The Chase Wire Tracking Number Confirmation Code is ………… Your bank can look for it. Good luck. Hope this works. Let me know. ”

    Now my question is DO I NEED TO GO TO THE BANK WITH THE CHASE WIRE TRACKING NUMBER CONFIRMATION CODE TO PROCESS IT BEFORE I GET THE ALERT?

      1. okay. Thanks but like how long will it take before I get the alert and pls what’s the ”Chase Wire Tracking Number Confirmation Code” he sent to me all about?

        1. Hello Sunday,
          Within 14 working days. If your account type is domiciliary account, you can receive the money within 2 working days. Chase Wire Tracking Number Confirmation Code, I don’t know much about this code but it could possible be Chase bank wire transfer tracking code.

  53. Hello brother, keep the good work. How can I send money from Australia into usd domiciliary acc in nigeria. I want to do a bank wire but my frnd is telling me banks here in Australia don’t transact or convert currency. I want the money to be received in usd. Cheers

  54. You are really doing a great job sir, may God bless you abundantly!!! I will like to ask you a question. I got a call from my uncle in United States telling me he wanted to make a wire transfer directly into my Stanbic Ibtc current account because he wants to start building a filling station here in Nigeria but I told him i don’t think it’s possible for him to transfer directly into my current account and can only be transfered into a domiciliary account which I don’t have, he proceeded by telling me it’s 100 percent possible that I should just get him the necessary informations. My questions are what are the type of informations he could be requesting, like how many days will I be able to get the money if transfered into my current account and also he’s planning to transfer about $100,000, will it not be too much for my account? Thanks and God bless.

    1. Hello Dare,
      He will need ;
      1. your account name.
      2. account number.
      3. Account type.
      4. Swift code

      You should be able to receive the money within 14 working days. It will not be too much inasmuch you can provide evidence or prove of ownership or earning.

  55. And also I will like you to explain what you mean by providing evidence or prove of ownership or earning. I will also like to know what are the things am going to need to provide all those. Thanks and God bless

  56. Assuming i have 10 thousand naira in my savings account, and I want to fund my skrill with 8USD, now how much (in naira) is it going to be deducted from my savings account?

  57. Hello Onwuka,
    My question is if it is possible to receive western union or money gram to my GTDom account in Nigeria in Dollars.
    Note: I know already that I can wire from the US to my GTDom account(Dollar). So I don’t need a lecture on that. Would appreciate if it’s a Yes or No.
    Thanks

  58. Hello there, Emma. Please I want to know something.. Someone wired money to me from his singapore account down to my fidelity savings account here in Nigeria. His bank sent him a mail on Wednesday, saying the payment has been successfully confirmed (respective of time difference), please how long will it take for me to receive the money, as it has been 4 working days already since the confirmation of the payment. Please I need your urgent reply on this. Thank you.

  59. hi, someone want to send money to me from Dubai to my Gtbank savings account,what should I send to him?And how will I receive the money in my account? must I go to the bank before I can receive the money in my savings account?pls I need your prompt reply

    1. Hello Grace,
      It seems you do not read through the old comments. You would have gotten answer this question you are asking me now. I will suggest you go back and read the old comments. If you don’t find answer to your question then let me know. Thank you.

  60. Dear Emma, i will like to ask you few questions and I need your prompt answer please. A brother of mine wants to make a wire transfer into my Dom account from Trinidad and Tobago, of course I opened my Dom account in dollar but my confusion is Trinidad and Tobago currency is not USD and secondly will he need to convert the money into dollar first before sending to my Dom account or if he sends the money in Trinidad and Tobago currency will I still be able to get the money in dollar into my Dom account? Thanks and awaiting your answer.

  61. please I work in a freelance site and I want to tell a friend in U.S to open a PayPal account for me from there. Please, when i link the paypal account, will I be able to load the PayPal account with cash made, and make direct transfer into my nigeria local bank access bank from the PayPal?

    1. Hello Ayo,
      For it to work; if you have a trusted friend in U.S, let him/her open a domiciliary account in his/her name; you can then receive your money through this PayPal account after which he/she will transfer the money to your account in Nigeria via wire transfer.

  62. Dear Emma, I can’t believe my post wasn’t uploaded anyway this was what I posted. A brother of mine wants to make a wire transfer into my Dom account from Trinidad and Tobago, of course I opened my Dom account in dollar but my confusion is Trinidad and Tobago currency is not USD and secondly will he need to convert the money into dollar first before sending to my Dom account or if he sends the money in Trinidad and Tobago currency will I still be able to get the money in dollar into my Dom account? Thanks and awaiting your answer.

    1. Hello Dare,
      Sorry for the inconveniences, I didn’t see your post.
      For your question: It all depends on the banks in Trinidad and Tobago; if their rules and regulations allow them to convert, then he doesn’t need to convert and verse visa.

  63. HI
    I want to know when you send money gram in lags Nigeria …
    If he don’t have the info number can he still get the money and we’re do they get money ??? Like was send on his name country , state , city & postal code …..

  64. HI
    I don’t know we’re my comment went
    Anyway … I want to know when you send money gram in lagos Nigeria can he get it without the reference number ??? And we’re they go for it ??? Like I send it to the name , country , state , city & postal code …

    1. Hello Sunshine,
      You get the money from any MoneyGram agents in Nigeria. In Nigeria, MoneyGram Agents are mainly Banks such as UBA, Firstbank, etc. You need to get a security code from the sender.

  65. Hello Emma, I am being asked to provide a telex copy of a transaction that was done online. Are these bankers in any way jokesters?! It’s been 11 working days now since a transfer was made to me, and it’s yet to reflect on my account. I spoke with my bank, and they’re asking me for a telex copy for the transaction. After giving them the required details. Who the hell uses telex these days? Please dear Emma, do you have any legitimate information on this?

  66. Hello Emma, I am being asked to provide a telex copy of a transaction that was done online. Are these bankers in any way jokesters?! It’s been 11 working days now since a transfer was made to me, and it’s yet to reflect on my account. I spoke with my bank, and they’re asking me for a telex copy of the transaction. After giving them the required details. Who the hell uses telex these days? Please dear Emma, do you have any legitimate information on this? Anything that might be of great help. Thank you.

      1. But the person said banks do not issue telex copies on transactions made online. I’ve given them valid proof of the transfer and also the swift reference number.

          1. Still the same thing.. That they need to investigate the transfer, and without the telex copy, they can’t do anything.

  67. Hello Emma,…

    The bank wire transfer you meant, is it an Internet banking tranfer or over the counter transaction? That is sending money into a DOM Acct.

  68. Hi pls a friend of mine from pakistan country want to send money to me in nigeria and he does nt know how to do it,pls i nid guide lines tanks

    1. Hello Faith,
      It is very simple! Send details like this to him/her;
      To receive the money in your Savings account
      1. your account name
      2. your account number
      3. your bank name
      4. your bank swift code
      Note: This may take 3 – 14 days to receive alert

      To receive the money in dollar, Euro or Pounds in Nigeria , send details like
      1. your account name
      2. your account number (domiciliary account number)
      3. your bank name.
      4. your bank swift code
      Note: This will take just 48 – 72 hours (working hours) to receive alert.

      You can also receive the money via western union, MoneyGram, Transfast etc.

    1. You don’t need to open any account. Visit any MoneyGram agent (in Nigeria banks such as firstbank, UBA, Fidelity, etc) are mainly their agents. Visit any of them and tell them that your want to receive or send money via MoneyGram. Follow their description since this article and its comments does not seen to help you.

    1. Depending on the computer system of the moneygram counter, it takes Few hours or days (2-5 days) after payment has been confirmed to be made. But for the purpose of doubt, I usually give within 14 working days.

  69. Am trying to receive money through quickteller to my bank account it telling me unable to process your transaction please try again later.. Then next it said Transaction not found and have been receiving money before

  70. I want to receive Money from Philippines to Nigeria but the person said Nigeria is offline from Philippines . How can I receive this money then?

  71. Good day sir.
    Please my dad sent money to me through western Union last week while I was still in us,but It didn’t go through until yesterday .The problem now is that I already left us for Nigeria .Pls can I still collect this money in Nigeria since the country he sent it to is us

  72. Good day Dear Emma, I will like to ask if it’s so possible to transfer funds from my personal domiciliary account to another bank domiciliary account in Nigeria and overseas also will like to know if the transfer can be done through Internet banking. Thanks and God bless

    1. Hello Dare,
      Yes, it is possible to transfer funds from your personal domiciliary account to another bank domiciliary account in Nigeria and overseas. Some of my client banking with Diamond bank have done the transfer through internet banking.

  73. I have a Dom account in pounds . My brother wants to send me money through western union from uk . Can I receive western union into my pounds Dom account ??? And would I be paid pounds???

    1. Hello England,
      Why sending the money to you through western union when you have Domiciliary account. Ask your brother to send the money to you via bank wire transfer to your Pounds DOM account instead using western union.

  74. Dear Mr. Emma, thanks for the info n comments. Have gain a lot, is my first time to receive money from US.

    My question is

    1. how many days does it take to open domiciliary acct.?

    2. I operate a savings acct. at Gtb n if the domi acct was open, I don’t hv money on both acct. Can still receive same cash sent from US or I will b need to save money in other to get d exact amount sent. Thanks you can forward d reply: yemex4love@yahoo.com

  75. Pease someone sent money to me from france , is up to four days now I’ve not receive it, how many more daysare my suppose to wait before I will receive it, and I only sent my name, account number and bank name nothing else.

    1. Swift code should be included to what you should send to him. If the account details you sent to him is savings account, you should expect the money within 14 working days.

  76. Hello. This is a very informative post.

    A friend wants to send money to me through Western union. I also have a quickteller account.

    How do I go about it so I get the money directly into my account with FBN?

  77. Pls i want to know if money can be sent/deposited to my GT bank savings account in nigeria from UK.using the following details.
    BANK NAME:GT BANK
    ACCT NO.:
    ACCT NAME:
    BANK SWIFT CODE/ROUTING NO.:
    without
    DIRECT BANK WIRE TRANSFER,
    WESTER UNION MONEX TRANSFER,
    MONEY GRAM,
    QUICKTELLER.

  78. Pls i what to know if money can be deposited/sent to my GT BANK saving account from abroad(UK) with the above details
    BANK NAME:GT BANK
    ACCT. NO.:
    ACCT. NAME:
    BANK SWIFT CODE:
    Without
    DIRECT BANK WIRE TRANSFER,
    WESTERN UNION MONEY TRANSFER,
    MONEY GRAM,
    QUICKTELLER.

  79. Please Mr, a friend in South Africa wants to send money to me here in Nigeria, but he don’t know how to go about it. Please kindly direct me how he can send it from south Africa to Nigeria direct to my savings account.

      1. Please Mr, I couldn’t get answers from comments I’ve seen here. Please put me through. How will he do that without western union, money gram but direct to my savings account. Thanks

        1. Hello Daniel,
          All you need to do is to send;
          1. your account name,
          2. account number,
          3. Bank name,
          4. your bank swift code,
          5. and your bank branch (optional) to him/her. He/she will simply do bank wire transfer.

  80. Dear Emma, I wish to transfer money from my personal Dom account to another Dom account in Nigeria via Internet banking. Please how long will it take the second party to receive the money, like is it going to take the usual 48 to 72 hours before he gets the money. Thanks

  81. Hi, I am ijeoma. My sister wants to send money to me in euro from Ireland ,and I have a Dom account first bank. But she says they say they cannot send it,and that even if they do,it will take a long process,and cost more. I don’t understand. How do they charge for wire transfer? Should I just tell her to western transfer it? The thing is I don’t want it in naira,cos I have a Dom account. Why open one when it can’t serve it’s purpose. What do I do?

    1. Hello Ije,
      In what currency is your domiciliary account? If your domiciliary account is in Euro then what they are telling you is a lie. If your domiciliary account is a dollar domiciliary account; I will suggest you visit your bank and request to add Euro and Pounds account to it. Once, this is done it usually takes less than 72hours to receive money via wire transfer. Wire transfer are charge based on commission. If you tell her to send it through western union transfer then expect the money in naira.

  82. Hello Emma. Thanks for the info. I have read through the posts and comments. God bless you. My question is this- is Electronic Fund Transfer different from Bank Wire Transfer? I ask this cos I was researching 2Checkout payment processor, and they included the two as separate pay out options. The EFT option is free (if the service is available for one’s bank) while using the Bank Wire option will incur extra charges.
    If EFT is different from Bank wiring, do you know whether GTB offers that service?
    Thanks

    1. Sorry Ty, I have not been able to respond since.
      Yes, E-electronic fund transfer is different from Bank wire transfer-Electronic fund transfer include transfer via POS, ATM machine, Ussd code or any electronic device used for fund transfer

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