UK to Nigeria public price check: three provider prices
A fixed £1,000 public price check for Nigeria with Remitly, Xe and Wise, separating the welcome rate and incomplete checkout fee.
Recorded and reviewed by Klaus Thorup
Amount checked
£1,000.00
Reference rate
1 GBP = 1,897.39 NGN
Before provider cost
NGN 1,897,390
What this check found
Remitly's blended first-transfer price narrowly exceeded the no-cost reference amount. Wise delivered more than Xe in the recorded ongoing-style prices, while Xe's public page left the final payment-method fee to checkout.
Recorded public prices
These are selected prices that were visible without completing a transfer. They are not a complete provider ranking. A welcome offer and an ongoing account price answer different questions.
| Provider and offer | Funding | Payout | Fee | Rate | Recipient gets | Vs reference |
|---|---|---|---|---|---|---|
| RemitlyBlended first-transfer pricePublic provider quote | Bank account or Easy bank transfer | Bank deposit, cash pickup or mobile wallet | £0.00 | 1,898.795 | NGN 1,898,795 | +NGN 1,405 |
| XePublic sending ratePublic provider quote | Bank transfer may have no additional fee | Bank deposit or cash pickup | Not stated | 1,850.33 | NGN 1,850,330 | -NGN 47,060 |
| WiseWise account balanceWise API quote | Money held in a Wise account | Local bank account | £6.00 | 1,897.39 | NGN 1,886,006 | -NGN 11,384 |
Remitly: The 1,922.90 welcome rate applied to £250; 1,890.76 applied to the remaining £750.
Xe: The page says some transfers carry a small fee depending on amount and payment method; confirm after sign-in.
Wise: PISP, bank transfer and card funding have different fees.
How to read the result
- Reference amount: what the recipient would get with the recorded market rate and no provider cost.
- Positive difference: can reflect a temporary promotion or a small timing gap between independently updating public pages. Read the row limitation before treating it as a saving.
- Negative difference: the combined effect of the visible fee and any rate difference.
- Scope: only the funding and payout description in the row. A different method is a different price.
Continue the research
Read the local payment guide before choosing a payout method, then reproduce the current comparison. The comparison contains more providers, but most of those rows are stored pricing models rather than route-specific public quotes.