Cash Pickup in Nigeria

Following the new directive from the Central Bank of Nigeria, transfers via cash pickup with WorldRemit are now sent in US Dollars only. Find out more here.

Where can I find the option to send to Nigeria via cash pickup?

It is fast and simple. Just follow these steps:

  • Start a new transfer 
  • Select Nigeria as the country you want to send to
  • Select USD Cash Pickup as a pay-out method
  • You may use a previous recipient's details for further transactions. The details from earlier transfers will be auto filled for your new cash pickup transfer.

How to collect money via Cash Pickup service in Nigeria

  • Full name. Please enter your recipient’s full legal name. It must match their valid, government-issued photo ID for them to successfully collect their funds.
  • Address. We need your recipient’s city.
  • Mobile number. We use this to send an SMS notification to your recipient with the transfer reference number which they will need in order to collect the funds. We will also inform them when their funds are ready to be collected.
  • Sending reason. Please indicate whether it is “family or friend support,” “purchase of services,” “property payment,” or “sending fund to self”.
  • Email (optional). We use this to email your recipient with details of the transfer This is particularly useful in case they have issues receiving the SMS notifications. 

Please ensure that all your recipient’s details are correct. Once you make your transfer, it’s difficult for us to amend or stop the transfer, although we will always try our best to do so.

What form will the recipient need to fill out at the bank branch?

The recipient will be asked to fill out a form at the pickup location, quoting the WorldRemit Reference Number and the basic details of the transfer, including:

  • Sender’s name
  • Recipient’s name
  • Recipient’s address
  • Expected Amount
  • Send Country

Any cents value transferred will be rounded off, so we advise to send full dollar amounts.

If currency notes are unavailable, please follow further guidance from the bank or try other pickup locations.

What is the WorldRemit Reference Number?

WorldRemit shares this with the sender and recipient. It will usually be at least 9 digits long but in some cases it may be slightly longer. It is one of the things recipients need to show to a bank teller to pick up cash.

They will also need to show a form of ID which can include:

  • International Passport
  • Drivers License
  • National ID
  • Permanent Voters' Card
  • Bank Verification Number(BVN)

Please note: If you change your beneficiary, the new reference number will be 12 digits. 

We will notify the sender and recipient by email and SMS once the funds are ready to be collected. A transaction reference number will be sent to the recipient, and they will be required to quote it to collect the funds.

What is the One Time Pin (OTP)?

Your beneficiary will need this additional code to collect money. WorldRemit sends it to both the sender and recipient by SMS and email as soon as the money is available to pick up.

You should make sure WorldRemit has the correct mobile phone number for the  recipient. If they haven’t received the OTP, please check our guide here.

What if the recipient hasn’t received their One Time Pin by SMS?

Here are two ways to check that the recipient’s number can receive the SMS. If not, you can edit their phone number from the website or app.  (Please note that the OTP will also be emailed to the recipient.)

Ensure that the phone number is for a primary SIM:

  • If the recipient has more than one SIM card, this may mean they do not receive the SMS for the One Time Pin.
  • The recipient must have the SIM for the number you entered installed as the primary SIM on their device.

If you need to change the phone number for the SMS:

  • Log in
  • Go to the transaction you need to change
  • Press the button to edit recipient details
  • Replace the incorrect phone number on the form with the correct number
  • Ensure that the new number starts with ‘+234’, not ‘0’

As the sender you should also have received the OTP by SMS and email. You can share this with the recipient yourself. Please make sure you do so carefully.

Where can my recipient collect the funds in Nigeria?

Your recipient can collect from any branch of the following banks:

When will funds be available to be collected in Nigeria?

Usually, funds are available for collection within a few minutes.

We may require further information from you before we can process the transfer, in order to comply with regulatory requirements. We will contact you at once via email, if this is the case.

Can I transfer Naira to Nigeria via cash pick up?

No, right now you can only transfer US Dollars (USD) to Nigeria. Given recent policy changes, money transfers in Naira currency have been paused for the time being.

How much can I send for cash pickups to Nigeria?

You can send a maximum of USD 5,000 per transfer.

There may be lower limits depending on the country from where you are sending the money, along with the payment method used for the transfer. Please see the relevant sections in Payments for further information.

What information do I need from my recipient to send cash pickups to Nigeria?

Full name Enter the recipient’s full legal name. It must match the recipient’s valid government-issued photo ID for them to successfully collect their funds.

Address You will need to enter the recipient’s city to transfer funds.

Mobile Number We use the recipient’s mobile number to send them an SMS notification with the transfer reference number that allows them to confirm their identity and collect the funds. The recipient will also receive timely notifications to inform them when the funds are ready to be collected. Please confirm the correct 10-digit mobile number for your recipient. For example, if the recipient’s number is +234 1234567890, enter only 1234567890 in the mobile number field, without a zero as the first character.

Reason for sending money Choose the reason for your money transfer:

  • Family or Friend support
  • Purchase of services
  • Property payment
  • Sending funds to self

Email (optional) We email your recipient with prompt details of the transfer. It is useful in case they have issues receiving SMS notifications.

Please ensure that all your recipient’s details are correct. Once you make the transfer, it is difficult to amend or stop the transfer, although we will always try our best to help you in any way possible.