Sending to Nigeria

USD Cash Pickups now available!

Due to the Central Bank of Nigeria's mandate on November 30th, 2020 that all remittances must be paid out in USD, we have had to make some changes to how you're able to send money to Nigeria through Sendwave.

While sending to Naira accounts is no longer possible, you can still send to your loved ones affordably, securely, and quickly via USD cash pickup!

Your recipients will be able to pick up their cash at any Access or Zenith Bank branch. All they need is the voucher code we send them, their BVN, a valid form of identification, and their mobile phone.

How it works

For Senders

  1. Upgrade your app - Visit the Apple App Store or Google Play Store and download the latest version of Sendwave.
  2. Add a new Nigerian recipient - Make sure you select 'Cash  Pickup' and that you enter your recipient's legal name and correct mobile phone number. They'll need to show official identification so be sure the name matches. We'll communicate with them via SMS so be sure their number is correct!
  3. Enter the amount you want to send or your recipient to receive - Click Send! This part has not changed.
  4. Confirm your transaction - Review the details, then enter your password to confirm the transaction.
  5. Let your recipient know that funds are on their way - As soon as you confirm the transaction, we'll send your recipient an SMS with the voucher code. They'll need to take this code to any Access or Zenith Bank branch to pickup the cash.
  6. If you need help, we're here for you - Call us 24/7 at: 
    +1 888 966 8603 (US)
    +44 113 320 7935 (UK)
    +39 02 3057 8468 (IT)
    +353 1800 949 226 (IRL)
    +34 900 998 284 (ES)

For Recipients:

  1. Receive SMS from Sendwave - The SMS will contain a unique voucher code.  
  2. Go to any Access or Zenith Bank branch - You can find a list of all the Access branches here. You can find the nearest Zenith branch here. Make sure you take your mobile phone (the one where you received the voucher code) with you.
  3. Give the teller the voucher code - You'll need to verify your identity.
    At Access Bank, acceptable forms of IDs are: International Passport (Nigerian or other); Driver’s License; National Id. Card; INEC Registration Card; or Bank Verification Number (BVN).
    At Zenith Bank, recipients will need their BVN as well as either a International Passport (Nigerian or other); Driver’s License; National Id. Card; or PVC.
  4. Receive SMS code and give to teller - To enhance the security of the transaction, once the teller initiates the transaction, we'll send you a short code to confirm it's really you. Please give this code to the teller.
  5. Collect your funds - That's it! Let your sender know you've picked up the funds :) 

Frequently Asked Questions

  1. Why can't I select cash pickup when I try to add a new recipient? 
    To send via USD cash pickup, please make sure your app is updated to version 04.04.02. You can update your app directly from the Apple App Store or the Google Play Store. If you’re not sure what version of the app you have, you can check your app version on the bottom of the 'Me' page.

  2. What is the fee to send to USD for cash pickup?
    For users in the United States sending USD to USD, the fee will be 1%.  For users sending from Europe, the United Kingdom or Canada, there will be no fee to send to USD :) 
  3. How secure is sending via USD cash pickup?
    Just like we did when sending to Naira accounts, security is a top priority for Sendwave. We’ve added two steps to help ensure the security of your transfer, on top of our existing security. When you send a cash pickup, you and your recipient will receive a unique code for the transaction. Your recipient will need to take that code to any Access or Zenith Bank branch and present it to the bank teller. Once the bank teller authenticates that code, your recipient will then receive a password via SMS they will submit to collect the funds.
  4. How long will it take for the funds to arrive ?
    The unique code voucher will be sent to your recipient within moments of you initiating the transfer. They will then need to visit any Access or Zenith Bank branch between Monday through Friday 8 am - 4 pm WAT to collect the funds. The funds do need to be picked up within a 7 days a of the transfer being sent.
  5. What information do I need to send to a recipient for USD cash pickup? 
    To send via USD cash pickup you just need your recipients full name and their phone number - it’s that simple :)

  6. Where can my recipient collect the funds?
    The funds can be picked up at any Access or Zenith Bank branch. Your recipient can find the closest branch to them by checking Access Bank branches here. They can find the closest Zenith branch here.

  7. What forms of ID are acceptable for picking up funds? 
    To collect funds, recipients need to bring their BVN and an additional ID with them to verify their identity.
    To collect funds from Access Bank, they can present: international passport, driver’s license, national ID card, INEC registration card, or Bank Verification Number (BVN).
    To collect funds from Zenith Bank, they must present their BVN as well as their: International Passport (Nigerian or other); Driver’s License; National Id. Card; or PVC.

  8. What if my recipient doesn’t receive their one time password?
    Both you (the sender) and your recipient will receive the one time password once the transfer's unique code is submitted to the teller. If your recipient does not receive their one time password, you can share the code directly with them :) 

  9. How long does my recipient have to collect the funds?
    The funds need to be picked up within 7 days of the transfer being sent.  After 7 days the transaction will be cancelled and your debit card will not be charged.

  10. Can I send to domiciliary accounts?
    We do not yet support sending to domiciliary accounts. We are working hard on setting up instant USD sending to domiciliary accounts and will be in touch via email and social media once the service is available.

  11. Can I still send to Naira accounts? 
    Unfortunately, no, for now we are unable to send to Naira accounts. This is due to a directive from the Central Bank of Nigeria on Nov 30th that required all remittances to be paid out in USD and is beyond Sendwave’s control. We hope that at some point in the future, we will again by able to send to Naira accounts. However, at this time we do not know when or if it will be possible.

  12. Can my recipient pick up funds over the weekend?    
    They now can! The below Access Bank branches will be on Saturdays from 10 am to 2 pm for recipients to collect USD cash transfers. They can also visit any Access Bank during weekdays to collect the funds as well.


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