How to Use TapTap Send to Send Money to Nigeria — Complete Review 2026
Last updated: 8/19/2026 | By Aboki Forex
TapTap Send is one of the fastest-growing remittance apps for the African diaspora. It charges zero transfer fees on Nigeria transfers, delivers naira to any major Nigerian bank account within minutes, and supports more sending countries than most rivals — including the UK, USA, Canada, the UAE, and most of the Eurozone. This guide covers rates, limits, supported banks, how it compares to LemFi and Sendwave, and a step-by-step walkthrough.
TapTap Send Nigeria at a Glance
| Supported sending countries | UK, USA, Canada, UAE, and most Eurozone countries |
| Recipient currency | Nigerian Naira (NGN) |
| Delivery method | Bank deposit to any major Nigerian bank |
| Transfer fee | ₦0 — zero fees on transfers to Nigeria |
| Transfer speed | Usually within minutes |
| Exchange rate | Competitive — usually close to the parallel rate |
| Payment methods | Debit card (most countries), bank transfer (some) |
| Regulation | FCA (UK), FINTRAC (Canada), licensed partners (USA/EU) |
Is TapTap Send Legit?
Yes. TapTap Send was founded in 2018 with a specific mission: cheap, instant remittance to Africa and Asia. It is regulated by the FCA in the United Kingdom, registered with FINTRAC in Canada, and operates through licensed partners in the United States and the European Union. It serves millions of customers across dozens of corridors, and Nigeria is one of its largest markets alongside Senegal, Ghana, and Cameroon.
Unlike general-purpose transfer services, TapTap Send prices its corridors aggressively to compete with informal channels — which is why its naira rate usually sits close to the parallel market rate rather than the official rate banks use.
TapTap Send Exchange Rate — How Good Is It?
TapTap Send's dollar to naira and pound to naira rates are usually within a few percent of the parallel (black market) rate — in the same band as LemFi and Sendwave, and far better than banks or traditional operators like Western Union.
How to check before you send: enter your amount in the app and note the naira quoted. Compare it against the current dollar to naira black market rate, the pound to naira rate, or the euro to naira rate on Aboki Forex. If the app is quoting within 2–5% of the parallel rate, you're getting an excellent deal.
Because each app adjusts its spread independently, the smart habit is to compare TapTap Send against LemFi and Sendwave each time. Whoever quotes the most naira that day wins.
Which Countries Can Send to Nigeria with TapTap Send?
TapTap Send's sending-country list is one of the widest of any Africa-focused app:
- United Kingdom (GBP)
- United States (USD)
- Canada (CAD)
- United Arab Emirates (AED)
- Ireland (EUR)
- Germany, France, Italy (EUR)
- Spain, Netherlands (EUR)
- Belgium, Austria (EUR)
- Other Eurozone countries
The UAE corridor is worth highlighting — for Nigerians in Dubai and Abu Dhabi, TapTap Send is one of the few zero-fee app options. See our full guide on sending money from the UAE to Nigeria.
What Nigerian Banks Does TapTap Send Support?
TapTap Send delivers naira to accounts at all major Nigerian commercial banks and popular fintech banks, including GTBank, Access Bank, Zenith Bank, First Bank, UBA, Fidelity Bank, Kuda, OPay, PalmPay, and Moniepoint. You need the recipient's 10-digit NUBAN account number and bank name. The app verifies the account holder's name before you confirm — always check it matches your intended recipient.
Step-by-Step: How to Send Money to Nigeria with TapTap Send
- Download TapTap Send (iOS or Android) and sign up with your phone number.
- Verify your identity. Upload a government-issued ID. Basic verification is quick; higher amounts may require proof of address.
- Enter the amount. Choose Nigeria as the destination. The app shows the exact naira the recipient will receive — zero fees, everything is in the rate.
- Add your recipient. Enter their Nigerian bank and 10-digit account number. Confirm the auto-verified account name matches.
- Pay with your debit card (or bank transfer where supported). Card payments process instantly.
- Track delivery. Most transfers land within minutes and the recipient gets a normal bank credit alert.
TapTap Send vs LemFi vs Sendwave for Nigeria
| Service | Fee | Speed | Sending Countries | Best For |
|---|---|---|---|---|
| TapTap Send | $0 | Minutes | UK, US, CA, UAE, most of EU | Widest country coverage, UAE senders |
| LemFi | $0 | Minutes | UK, US, CA, some EU | Best all-round rate + multi-currency wallet |
| Sendwave | $0 | Minutes | UK, US, CA, some EU | Regular small transfers |
All three are zero-fee and near-instant, so rate is the deciding factor on any given day. Keep two or three installed and send with whichever quotes the most naira. For the full landscape including Wise, Remitly, and Western Union, see the best app to send money to Nigeria.
TapTap Send Transfer Limits
Limits depend on your sending country and verification level. Basic verified accounts can send a few thousand dollars/pounds per transfer; providing proof of address and source of funds unlocks higher limits. For very large transfers, a service built for size like Wise may be more suitable.
Common TapTap Send Issues
Transfer under review
Larger or unusual transfers can trigger a compliance review. TapTap Send may ask for source of funds — a payslip or bank statement usually resolves it within hours.
Recipient bank name doesn't match
If the auto-verified name looks wrong, stop and re-check the account number with your recipient. Never confirm a transfer to a name you don't recognise.
Rate looks worse than yesterday
Naira rates move daily and apps adjust spreads independently. Check the current black market benchmark on Aboki Forex and compare two or three apps before sending.