Save up to 2.9% on every transfer compared to traditional providers.
CrossPay's all-in cost on United States to Nigeria transfers — the platform fee and exchange-rate margin combined as a single percentage of the amount you send.
Below is a comparison of CrossPay's all-in cost against major remittance providers for United States to Nigeria transfers. Rates verified on 17 June 2026.
| Provider | All-in cost | Delivery | Notes |
|---|---|---|---|
| CrossPayLowest cost | 0.6% | 0-1 business days | |
| Western Union | 3.5% | 1-3 business days | Higher for cash pickup View source |
| Wise | 1.2% | 0-1 business days | Mid-market rate + small fee View source |
| Remitly | 2.3% | 0-2 business days | Economy slower; Express costs more View source |
| Sendwave | 1.8% | 0-1 business days | No fee; margin in the rate View source |
See your exact cost in real time.
Most providers split their cost between a visible fee and an exchange-rate margin (the spread between the mid-market rate and the rate they offer you). CrossPay shows the combined number upfront so you can compare like-for-like — no surprises after you send.
All-in cost combines the provider's fee and exchange-rate margin vs. the mid-market rate. Sourced from each provider's public quote tool. Rates may vary by amount, payment method, and recipient location.