Currency pair
ZAR → NGNSend money from South Africa
to Nigeria
Send Rand to Nigeria through Divest. See the naira amount your recipient gets before you confirm, then it lands directly in their account.
4.7 rating · 300k+ registered users
South Africa to Nigeria
Check today’s rate
1 ZAR = 84.24 NGN · no separate fee
They receive
Separate fee0.00 ZAR
ArrivesSame day, often minutes
You save vs. a typical bank12,635.87 NGN
Indicative rate; the live rate is shown in the app. Savings assume a typical bank rate about 3% below ours.
ZAR → NGNThey receive into
Any Nigerian bank accountTypical arrival
Same day, often minutesPer transfer
Up to $10,000, more on VIPAbout this route
South Africa to Nigeria, done properly
Popular with senders and recipients in Lagos, Abuja and Enugu.
Pay out to
The Nigerian community in Johannesburg and Durban is one of the largest on the continent, and money moves home every month. Divest sends rand to Nigeria as naira, straight to any Nigerian bank account, at a rate you see first.
$21.8bn
sent home to Nigeria by the diaspora in 2025, slightly up on 2024.
Source: Central Bank of Nigeria, via Nairametrics (Jul 2026)
Sending Rand to Nigeria shouldn’t mean guessing what actually arrives
Traditional transfer services often advertise a rate that isn’t the one you actually get. By the time a flat fee and a marked-up exchange rate are both applied, what lands in Naira can be meaningfully less than the headline number suggested.
01
The advertised rate and the rate actually applied at settlement aren’t always the same number.
02
Flat fees plus a currency markup can stack into a cost that’s hard to calculate until after you’ve sent.
03
Some services still require your recipient to visit a cash pickup location instead of depositing directly to their account.
04
Bank wires can take multiple business days to clear, with no visibility into where the money actually is.
05
“Instant” transfers don’t always mean what they imply. Some still involve a cutoff window or manual review.
How it works
Step 01
Enter the amount in Rand
Step 02
See the naira amount your recipient gets
At the current rate, before you confirm.
Step 03
Send it
Step 04
It lands directly in their account
No cash pickup needed.
The rate you see is the rate you get
The cost is built into the exchange rate shown before you confirm, not added on after. What you see is what your recipient gets.
Your quote
Locked before you confirm
They receive
421,195.65 NGN
You send5,000 ZAR
Exchange rate1 ZAR = 84.24 NGN
Separate fee0.00 ZAR
Indicative rate. Your quote is locked at the live rate when you confirm.
What you get
One rate, no surprises
What you see before sending is what actually lands.
Direct to account
No cash pickup, no extra stop for your recipient.
Fast delivery
Same-day or within minutes, not days.
What you’re actually comparing Divest to
Speed, cost and transparency, side by side.
SpeedDivestSame day, often minutesA remittance serviceCutoff windows, reviews or cash pickupA bank wireMultiple business days
CostDivestOne rate, no separate feeA remittance serviceA flat fee plus a marked-up rateA bank wireCorrespondent fees and a markup
TransparencyDivestExact amount shown before you confirmA remittance serviceAdvertised rate isn’t always the rate appliedA bank wireLittle visibility while in transit
Who it’s for
Nigerians in South Africa
Monthly support home from Johannesburg, Pretoria or Durban.
School fees and rent
Send exactly what’s due in Lagos, Abuja or Enugu.
Business
Pay Nigerian partners and suppliers directly.
Why choose Divest
What you see is what lands
No gap between quote and delivery.
No pickup required
Funds go straight to the account.
Built for regular sending, not just one-off transfers.
What customers say
Customer story
“I send money home to my family in Lagos every month, and it lands the same day.”
Olumide AdeyemiEngineer, Johannesburg
Customer story
“Paying my team in Nigeria from South Africa is now simple and clear.”
Chioma NwachukwuBusiness owner, Cape Town
Customer story
“I can see the Naira amount before I send. That's what made me switch.”
Ifeanyi ObiDoctor, Durban
Got questions?
Our support team is available around the clock to help whenever you need it.
Contact supportYes, any Nigerian bank account.
Related pages
Money that moves
like you do.
Open your Divest Banking account and send to Nigeria today.
4.7 star rating and over 3k ratings on the App Store