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The short answer
In the Bank of Ireland app, tap Payments, then Send money or pay a bill, then Add a payee, and follow the steps for an international payee; you need your security device to approve it. Before you start, collect the recipient's full name and address, their 10-digit Nigerian account number, and the bank's name, address and BIC (SWIFT code). Bank of Ireland says international payments are subject to transfer limits.
Adding a Nigerian account to Bank of Ireland takes a few minutes once you have the right details. Most problems come from gathering those details in a hurry. This guide follows Bank of Ireland's own help page (updated 22 September 2025) for the steps, and sets out what a Nigerian payee needs.
The steps Bank of Ireland gives
In the Bank of Ireland app
- Log in.
- Tap Payments on the bottom menu.
- Select Send money or pay a bill.
- Tap Add a payee and follow the steps to add an international payee.
- Approve the new payee with your security device when asked.
In 365 online
- Log in and click Payments on the top menu.
- Select Send money or pay a bill.
- Click Add a payee and follow the steps for an international payee.
- Authenticate with your security device.
Bank of Ireland's page says international payments can be made in the app and 365 online and "are subject to transfer limits". It links to a list of countries available for payments in 365 online; check that Nigeria and the currency you want appear there before relying on the app.
Details to collect from your recipient
Bank of Ireland's help page does not list the fields; the form shows them. The details Irish banks generally ask for on a non-SEPA payment, as set out in AIB's international payments FAQ, are a good checklist:
| Detail | For a Nigerian account |
|---|---|
| Receiver's name | Exactly as the Nigerian bank holds it, including middle name if used |
| Receiver's address | Their home address in Nigeria |
| Account number | The 10-digit NUBAN (Nigeria does not use IBANs) |
| Bank BIC (SWIFT code) | The receiving bank's code for international payments, obtained from the bank |
| Bank name and branch address | Needed if you cannot provide a BIC |
| Payment reason | For example family support, school fees, rent |
Ask your recipient for a screenshot from their banking app showing the account name and number, rather than retyping it from a message. For a business, use the company's name as registered with the bank.
Currency choice
When you set up the payment, you will choose the currency. Sending euro leaves the conversion to banks further down the chain; sending US dollars may suit a domiciliary account. Ask the Nigerian bank which currency the account can receive and how it converts anything else. A payment in a currency the account cannot take may be converted at the bank's rate or returned.
Worked example
Example only. Chinwe in Cork adds her landlord's Lagos account as a payee and sends €700 for rent. An intermediary bank deducts €15 on the way. The landlord's bank converts the remaining €685 at its rate, say ₦1,560 per euro, and he receives ₦1,068,600, short of the ₦1,092,000 he expected at that rate for the full €700. Agreeing in advance who bears the charges avoids a dispute.
Checks before the first payment
- Confirm the payee name and number with the recipient by phone, not only by message. Changed bank details sent by message are a common fraud pattern.
- Send a small first payment if timing allows, and ask the recipient to confirm it arrived.
- Keep the payment confirmation; you may need it for a trace.
- Check your daily transfer limit in Bank of Ireland's transfer limits page before a large payment.
If the payee will not save
- No security device to hand. Bank of Ireland requires it to authenticate a new payee, so set it up before you start.
- Nigeria or the currency not offered. Check the countries list linked from Bank of Ireland's help page; if Nigeria is not available online, ask the bank about a branch-arranged payment.
- Field rejected. An IBAN-style field may not accept a 10-digit number. Look for an account-number option instead of forcing the number into the IBAN box.
- Name too long. Shorten only in the way the recipient's bank confirms, such as initials for a middle name.
Where Pryme fits
If you send to the same Nigerian accounts each month, a Pryme account opened from Ireland holds euro and naira in one account and lets you send to Nigerian banks; the app shows the rate and the fee before you approve. More on bank routes: Bank of Ireland international payments to Nigeria and SWIFT details for Nigerian banks.
Questions people ask
Can I add a Nigerian account in the Bank of Ireland app?
Bank of Ireland says you can add an international payee in the app or 365 online under Payments, Send money or pay a bill, Add a payee. Check its countries list for Nigeria.
What do I need to add an international payee at Bank of Ireland?
Your security device, plus the recipient's name, address, 10-digit account number and the bank's BIC or name and address.
Is there a limit on Bank of Ireland international payments?
Yes. Bank of Ireland says they are subject to transfer limits, set out on its transfer limits page.
Does a Nigerian bank account have an IBAN?
No. Use the 10-digit NUBAN and the bank's SWIFT code.
Sources
- Bank of Ireland: Make international payments online (updated 22 Sep 2025) · accessed Oct 2026
- AIB: International Payments FAQs (viewed Oct 2026) · accessed Oct 2026
- GTBank: MoneyGram money transfer service (viewed Oct 2026) · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.