Send money from Morocco to Nigeria
A shortlist of operators verified to serve this route, and exactly how the money now reaches Nigeria.
MAD
NGNOur comparison engine doesn't price Morocco-origin transfers yet. The dirham is only partly convertible, so a resident sends abroad within set allowances, and Nigeria now pays remittances out in naira. Confirm each operator's live rate, fee and limits before you send.
Indicative options · not a live quote
Sending money from Morocco to Nigeria
Our live price comparison can't quote Morocco-origin transfers yet. The dirham is only partly convertible, so the Office des Changes lets a resident send abroad only within set allowances, such as family assistance, and always in person at a licensed agent. On the Nigeria side, a Central Bank of Nigeria rule now requires remittances to be paid out in naira. The two verified operators are Western Union and Wafacash, each paying to a naira bank account, or in cash for a smaller amount. Rates and fees are set by the operator and must be confirmed before you send.
| Provider | Payout method | Speed | |
|---|---|---|---|
 | Naira bank deposit in Nigeria, or cash for a smaller amount | Minutes for cash; bank deposit can take a little longer | Visit site |
| Naira bank deposit or cash in Nigeria through its partner networks | Minutes for cash | Visit site |
Money sent from Morocco to Nigeria now arrives in naira. Since a Central Bank of Nigeria rule took effect in May 2026, money-transfer operators pay remittances out in naira rather than US dollars, at the official rate. Both verified operators send in person at a licensed agent in Morocco. The important thing to know first is that the dirham is only partly convertible: a resident can send abroad only within the allowances set by the Office des Changes, chiefly a capped family-assistance allowance. A larger amount is credited to the recipient's bank account, while a smaller one can be paid as cash. What really decides how many naira arrive is the margin added to the exchange rate, so compare the amount that actually reaches the recipient, not just the fee.
Why Morocco to Nigeria shows no live prices yet
Currency Expert's live comparison engine prices transfers that start in the UK and a handful of other major sending countries, where the providers we connect to operate. None of them currently quote transfers that start in Morocco, so the route comes back empty even though money genuinely moves on it.
The dirham is also only partly convertible, so a resident can send abroad only within the allowances set by the Office des Changes. Until we can pull live Morocco rates, this page lists the operators verified to serve the corridor rather than a live price table. Treat it as a shortlist, not a quote, and confirm the rate, fee and the allowance that applies before you commit.
How the money reaches Nigeria
Money into Nigeria now arrives in naira. Under the Central Bank of Nigeria rule that took effect in May 2026, money-transfer operators must pay remittances out in naira at the official rate, rather than as US-dollar cash or into a domiciliary account. How it lands depends on the size of the transfer.
For a bank deposit, you'll need the recipient's account details. For cash, they collect with a government photo ID and the reference number. You send from a licensed agent in Morocco, in person and within the allowance that applies to your transfer.
What sending money to Nigeria really costs
The headline fee is only part of the cost. On most transfers the bigger number is hidden inside the exchange rate, so it helps to know where each slice goes before you send.
The exchange-rate margin
Operators usually add a margin to the mid-market rate between the dirham and the naira. On a larger transfer this margin can outweigh the upfront fee, so compare the naira that actually arrive across both operators.
Morocco's exchange controls
The dirham is only partly convertible, and the Office des Changes sets allowances that cap what a resident can send abroad. Before you plan a transfer, check which allowance applies to you and how much of it is left for the year, because that decides the ceiling more than the fee does.
Nigeria's naira-payout rule
Since May 2026 the Central Bank of Nigeria has required operators to pay remittances out in naira at the official rate, rather than in US dollars. The rate applied to the payout matters as much as the fee, so check what the recipient will actually receive.
Rules on each side
Sending from Morocco
The dirham is only partly convertible, and outbound transfers are controlled by the Office des Changes. A resident can send abroad only within set allowances, chiefly a capped family-assistance allowance, plus a separate tourist allowance (raised to around MAD 100,000 for 2026) and study and emigration allowances. You send in person with ID at a licensed agent. Use a regulated operator rather than an informal channel, and confirm the current allowance before you send.
Receiving in Nigeria
Under a Central Bank of Nigeria rule effective from May 2026, money-transfer operators pay remittances out in naira at the official rate, through authorised dealer banks. A transfer above about US$200 is credited to the recipient's bank account, and a smaller one can be paid as naira cash with valid ID. Genuine personal and family remittances are not treated as taxable income.
Funding your transfer without overpaying
Because both operators send from a licensed agent in Morocco, you'll usually fund the transfer with cash in dirhams at the counter. If a branch offers to take a card, check first how your bank treats it. Some issuers process a money-transfer payment as a cash advance, which can add a one-off fee and interest from day one, quietly making a cheap-looking transfer expensive.
Scams to watch on this route
The most common traps target the recipient in Nigeria. These few rules are worth passing on to whoever you're sending to.
The fake "release fee" message
Rule: be wary of a message claiming a transfer is "stuck" and needs a clearance, customs or tax fee to release it. Legitimate remittances on this route don't work that way, so never pay to unlock money.
Fake KYC or bank calls
Rule: nobody from the operator or a bank needs a PIN, OTP or full card number to "complete" or "verify" a payout. Never share a one-time code, and deal only through the operator's own channels.
Wrong account details
Rule: confirm the recipient's account number from something they sent in writing before you send, since a bank credit to the wrong account is hard to reverse.
Confirm before you send
Rule: use a verified operator rather than a stranger offering a better rate off-platform, and keep your reference number safe until the money is collected.
How most people send money from Morocco to Nigeria
For most people, the simplest route is Western Union or Wafacash paying out to a naira bank account, sent in person at a licensed agent in Morocco and within the allowance that applies. A smaller amount can be paid as cash. Because we can't show a live quote here yet, treat this page as a vetted shortlist, then judge each option by the naira that actually arrive after the rate margin, and confirm the recipient's details before you send.
Morocco to Nigeria transfers: frequently asked questions
Our live comparison engine prices transfers that start in the UK and a few other major sending countries. It doesn't yet quote transfers that start in Morocco, so instead of an empty table we list the operators verified to serve the corridor. Confirm the live rate, fee and the allowance that applies before you send.
Naira. Since a Central Bank of Nigeria rule took effect in May 2026, money-transfer operators pay remittances out in naira at the official rate, rather than in US dollars or into a domiciliary account. A transfer above about US$200 goes to the recipient's bank account, and a smaller amount can be paid as naira cash.
No. The dirham is only partly convertible, so a resident can send abroad only within the allowances set by the Office des Changes, chiefly a capped family-assistance allowance, plus separate tourist, study and emigration allowances. You send in person with ID at a licensed agent.
For a bank deposit, the recipient's full name and account details. For a smaller cash payout, their full name as it appears on their ID plus the reference number, collected with a photo ID. You'll also need your own ID to send from Morocco.
A smaller cash payout is usually available within minutes. A bank deposit takes longer, typically same day to a couple of business days. The agent will give an estimated delivery time before you confirm.
On the Morocco side, how much you can send is set by the Office des Changes allowance that applies to your transfer, not by the operator, so check that first. On the Nigeria side, the money is paid out in naira, to a bank account above about US$200 or as cash below that. Nigeria does not treat genuine personal or family remittances as taxable income.
It's served, but within tight rules. Morocco's partial convertibility means outbound transfers run through licensed agents such as Western Union and Wafacash, in person and within an allowance. Nigeria now receives the money in naira, to a bank account for larger amounts or as cash for smaller ones.
Our sources & how we keep this current
Last reviewed: 15 July 2026. We re-check the operators and rules on this corridor regularly. Both the Morocco allowance rules and Nigeria's payout rules can change, so always confirm the current terms before you send.
Affiliate disclosure: the "Visit site" link to some providers is an affiliate link. Currency Expert may earn a commission, at no cost to you, if you open an account through it. It never changes which providers we list or the order they appear in.