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The short answer
GTBank says anyone, customer or not, can collect MoneyGram naira cash at any GTBank branch by presenting a valid ID card such as their BVN or international passport. The receiver is not charged a fee. But GTBank also says that, per CBN's mandate, the naira equivalent of proceeds over $200 must be paid into an account, so larger transfers cannot be collected as cash (GTBank MoneyGram page, checked October 2026).
MoneyGram's UK page for Nigeria lists GTBank among the banks its receivers can use, alongside UBA, Union Bank, Stanbic IBTC, Sterling, Polaris, FCMB, Fidelity, First Bank and Unity. If you choose cash pickup at a GTBank branch, what happens at the counter is set by GTBank's own MoneyGram page. This guide sets out what that page says the receiver must bring, the $200 rule that catches many families out, and how to prepare.
What GTBank says the receiver needs
- A valid ID card. GTBank says: "For cash pick up transfers, customer must present a valid ID card (BVN, International Passport, etc)."
- Nothing else about being a customer. "Non-GTBank customers can also pick up cash over the counter with the required regulatory IDs."
- A name that matches. For account deposits GTBank says funds must be sent in the customer's account first name and surname; for cash, enter the receiver's name exactly as it appears on the ID they will bring.
GTBank's page does not mention the MoneyGram reference number. In practice the receiver will need to identify the transfer, so send them the reference number from your MoneyGram receipt or app, the exact amount and your name as sender, and keep that message private.
The $200 limit on cash
This is the point most senders miss. GTBank's page says: "Per CBN's mandate, the Naira equivalent of proceeds over $200 shall be paid into an account." Cash pickup at a GTBank branch is therefore only for transfers worth $200 or less. Payouts are in naira.
Because you are sending pounds, the dollar line is measured on the equivalent value, which moves with exchange rates. If you are close to the line, choose an account deposit instead. For the wider CBN rules on how inbound remittances are paid out, see CBN rules on remittances.
| Transfer value | GTBank payout option |
|---|---|
| Naira equivalent of $200 or less | Naira cash at any GTBank branch, or account deposit |
| Over $200 | Account deposit only (GTBank or another bank's naira account) |
Account deposit: the alternative
GTBank offers deposit into any GTBank naira account and into any third-party bank naira account. The receiver must have "an active Naira account" with a 10-digit NUBAN, and the transfer must be in the account holder's first name and surname. This route has no counter visit and no amount cap on GTBank's page. Our guide to Nigerian bank details a UK sender needs covers the fields to fill in.
Common reasons a pickup is refused
- Amount over the $200 equivalent. GTBank's page says these proceeds must be paid into an account, so the branch will not pay cash.
- Name mismatch. If the name on the transfer differs from the ID, for example a missing middle name or a swapped surname, the branch may refuse until the sender corrects it with MoneyGram.
- ID not accepted. GTBank names BVN and international passport as examples of valid ID; an expired document is unlikely to be accepted. Ask the branch first if the receiver plans to use something else.
- Missing transfer details. Without the reference and the sender's name, staff may not be able to find the transfer.
If a pickup is refused, the money normally stays with MoneyGram rather than being lost. The sender should contact MoneyGram with the reference to change the details or switch the payout to an account deposit, where that is possible.
Steps for a smooth GTBank pickup
- Confirm the amount is worth no more than $200 in naira terms; otherwise choose account deposit.
- In MoneyGram, choose cash pickup in Nigeria and enter the receiver's names exactly as on their ID.
- Pay and note the reference number.
- Send the receiver the reference, amount and your full name privately.
- Remind them to take a valid ID card, such as their international passport, to any GTBank branch.
- Ask them to confirm once collected; if they are turned away, ask the branch for the reason in writing if possible.
Worked example
Example. Adaeze in Leeds wants to send her aunt in Owerri about £120 for medicines. At the rate on the day, this is under the $200 equivalent, so cash pickup is allowed. She enters her aunt's names as on her international passport, pays, and sends her the reference. Her aunt collects naira at a GTBank branch with the passport, and receives the full amount, since GTBank does not charge the beneficiary. The next month Adaeze sends £400 for school fees; this is over the $200 equivalent, so she sends to the school's naira account instead.
Where Pryme fits
If your relative already has a Nigerian bank account, you can pay it directly from a Pryme account that holds GBP and NGN; there is no counter visit. When you send, the app shows the rate and the fee before you approve. See the multicurrency account.
Questions people ask
Can a non-GTBank customer collect MoneyGram cash at GTBank?
Yes. GTBank says non-customers can pick up cash over the counter with the required regulatory IDs.
What ID does GTBank accept for MoneyGram pickup?
GTBank says a valid ID card such as BVN or international passport, with an "etc" meaning others may be accepted; confirm with the branch if using something else.
Is there a limit on MoneyGram cash pickup at GTBank?
Yes. GTBank says per CBN's mandate the naira equivalent of proceeds over $200 must be paid into an account.
Does GTBank charge the receiver for MoneyGram?
No. GTBank says the exact amount is received and the beneficiary is not charged for fees.
Sources
- GTBank: MoneyGram · accessed Oct 2026
- MoneyGram GB: Send money to Nigeria · 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.