Best rates to Nigeria

What you send	Amount of money that you send
Typical competitor rate	NGN
What you get with Fluid	NGN
Your profit with Fluid	NGN

See the difference yourself! Try entering 20 dollars to naira in our calculator

Best rates to Nigeria

Fluid offers the best exchange rate dollar to naira

Easily send money to Nigeria from anywhere in the world, or receive it — instantly. Fluid is free to sign up and it's always free to send and receive, whether your loved one is from USA, Canada, UK, India, Ghana, South Africa — or anywhere else across the globe.

Available to everyone

Anyone can create a Fluid Account, no matter where you live in the world.

You can top-up your Fluid Account from a range of global currencies including dollars. You can hold your money with Fluid or receive naira in your bank account in minutes without visiting your bank — pretty cool huh?

What our users are saying

Lagos
Oluchi
Fluid Finance has been a blessing to me and my family in general, receiving and sending money to family that is abroad has been as easy as ABC. No more stress of going to the bank and queueing up in lines at times close to 1hr just to send or receive money. Just from the comfort of my house I do all my transactions. And the beautiful thing is that opening an account with the Fluid app is also stress free.
Ghana
Eric
Apity
I can send money to friends and family: recently I helped an uncle to send his daughter’s fees to her abroad in a few minutes, no long queues at the banks, no forms to fill. With Fluid, we’re just like a family, and everyone can share their stories. In the case of a colleague whose house got guttered, I reached out to Fluid and they created a fire fund where donations were made to help bring some relief, Fluid is just amazing and caring.
Uyo
Etieno
Udofia
Ever since I jam Fluid, my life don change! I dey wire anybody for anywhere money and e dey go sharp sharp, no stress. I dey even use am save money, collect jara on top. Crypto nko? I dey ball in, ball out anytime I want. Omo! No time to check time o, go download de ogbonge Fluid app follow enjoy dis beta!
Uyo
Abasiodiong
Godso
Management of finance is key, either as an individual or in business. My finance journey has not always been a smooth one. I was introduced to Fluid Finance in August this year, and I decided to try it out. Amazingly, Fluid has proven beyond doubt to be the most outstanding financial alternative as compared to the others.
Uyo
Emmanuel
Udoaka
Fluid was introduced into Nigeria with their amazing products. I've been using their product for a while now and it’s really amazing. The feature whereby money can be saved in the app with no fear of losing any amount and the fact that funds can also be transferred to different parts of the world and vice versa without delay and no transaction fees has really solved the issue plaguing our traditional banks. Thank you Fluid Finance!
Lagos
Nathaniel
Isaac Eteo
Fluid was introduced into Nigeria with their amazing products. I've been using their product for a while now and it’s really amazing. The feature whereby money can be saved in the app with no fear of losing any amount and the fact that funds can also be transferred to different parts of the world and vice versa without delay and no transaction fees has really solved the issue plaguing our traditional banks. Thank you Fluid Finance!
Lagos
Idam
Augustine
Fluid Finance has been able to save me from naira devaluation. I earn on the digital dollars I buy from this amazing app and I can at the snap of a finger sell the digital dollars called DUSD in the Fluid app at the current market price. I am able to send funds to family and friends in any part of the world without having to worry about transaction and maintenance fees.

Free, instant, global transfers

Sending money to your family and friends? Get a Fluid Account and transfer funds instantly, with no fees. If they don't have an account then no problem — just message them a link!

Try transfers now

Protect your wealth, earn more than competitors

Protect yourself against currency deflation, by holding your money in leading currencies right on your phone.

Fluid also offers profit-sharing on all deposits in your Fluid Account. Earn a targeted 4% APY with no withdrawal penalties or minimum deposits.

Discover the app

Our community

Fluid is here for you online and offline. We've visited major cities in Nigeria with workshops and user meet-ups. We've built a vibrant community that is ready to come and help new users take control of their finances.

Join our African Telegram community to find like-minded people ready for financial freedom.

Referral program

Want to refer your friends and family? With our referral program you have the chance to win prizes from a €75,000 prize fund.

Just copy your referral code from My Profile in-app and share it! When your friends sign up with your code, you'll be entered into the prize draw.

Get your code

See how it works

See how it works

Receive and send money globally with the best exchange rates to Nigeria.

Get started with the easiest account in the world. For free.

Create an account in less than a minute. No commitment required.