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The short answer
From Spain you can pay a Nigerian school directly, into the school's own naira account by bank transfer or a money transfer service, or through its Remita or portal reference where it uses one, or send the money to a relative who pays on your behalf. Paying the school directly gives you the cleanest proof; paying through family adds a step where money can be delayed or diverted. Either way, ask for an official receipt in the child's name for each term.
School fees are one of the biggest regular payments Nigerians in Spain make home, and the deadline is fixed by the school, not by the transfer. This guide covers the two ways to pay, how to check you are paying the right account, how the costs work on a euro-to-naira transfer, and the receipts that settle any later dispute.
Direct to the school, or through family?
| Pay the school directly | Send to a relative who pays | |
|---|---|---|
| Who receives the money | The school's own account | Your relative, then the school |
| Proof | Your transfer record plus the school's receipt | Your transfer to the relative, their payment, and the school's receipt |
| Risk | Paying a fraudster posing as the school | Delay, or money used for something else |
| Best when | The school gives a corporate account or payment reference | The school takes only cash or in-person payment, or a relative must also buy uniforms and books |
If a relative must handle part of it, send the fee directly to the school and only the extras to the relative. It keeps the largest sum on the cleanest path.
Confirm the account belongs to the school
Fraudsters copy school letterheads and send fake account details to parents abroad, often just before the resumption date. Before every first payment, and whenever details change:
- Get the fee schedule and account details from the school's official channel: its portal, its printed bill, or the bursary in person through your relative.
- Check that the account name is the school's registered name, not a person's name.
- Phone the bursary on a number you found yourself, not one in the message, and read back the account number.
- Treat any message that says the account has "changed" as suspicious until the school confirms it.
Schools that use Remita or a payment portal
Many Nigerian schools, especially public universities and some secondary schools, issue a Remita Retrieval Reference (RRR) from their portal. Techeconomy's September 2025 guide for diaspora parents describes generating the RRR from the school portal or remita.net, paying online or at a bank, and Remita issuing a receipt that can be verified with the RRR. The NCC's Remita payment page lists cards, internet banking and wallets as channels but does not say whether foreign cards work, so test a small fee first or have a relative in Nigeria pay the RRR. For universities, see paying university fees through Remita from Spain.
How the cost of the transfer works
Whatever service you use from Spain, the cost has the same parts. Compare them on the day, for the exact amount the school must receive:
- The transfer fee, shown separately or built in.
- The exchange margin: the gap between the rate you get and the mid-market rate. A low fee with a wide margin can cost more than a higher fee with a narrow one.
- Charges from intermediary banks on SWIFT transfers, which can arrive as a shortfall at the school.
- The payout method: bank account deposit, wallet or cash pickup.
Under CBN rules described by Udo Udoma & Belo-Osagie (March 2026), money transfer operators pay recipients in Nigeria in naira only. A school that wants its fees in naira will receive naira, so fix the amount in naira, not euros, and make sure the school receives the full fee. For the routes, read how to send money from Spain to Nigeria.
Receipts for every term
- The school's official receipt, in the child's full name, showing the term, the amount and what it covers.
- Your own transfer confirmation with the reference you used.
- If a relative paid, their bank receipt and the school's receipt, both photographed and sent to you the same day.
File them by child and term. They answer any later claim of non-payment and support a fees history if the child changes school. The Nigeria library explains how to prove you paid school fees in more detail.
Worked example (illustrative only)
Example: a school bills ₦850,000 for the term. You send euros through a service that charges a fixed fee and applies its own rate. If two services quote the same fee, the one whose rate gives more naira per euro is cheaper for this payment. Set the transfer so the school receives ₦850,000 in full, then check the receipt matches that figure.
Where Pryme fits
With a Pryme account you can hold euros and naira, and send naira to the school's account; the app shows the rate and the fee before you approve. Each payment can come with a verifiable receipt from VerifyDoc.ai that the school or a relative can check is genuine. For families in Lagos, Abuja or Port Harcourt, Spaces is a pilot that includes schools; a Loan on Spaces, lent by a licensed Nigerian microfinance bank for naira held in Nigeria, is offered on how the account is run and must be accepted before anything is drawn. Outside Nigeria, Pryme's activities are carried out through regulated partners.
Questions people ask
Can I pay a Nigerian school directly from Spain?
Yes, if the school gives you a corporate account or a portal or Remita reference. Confirm the details with the bursary on a number you found yourself before paying.
Will the school receive naira or euros?
Money transfer operators pay out in naira in Nigeria under CBN rules. Set the amount so the school receives the full naira fee.
How do I avoid fake school account details?
Only take details from the school's official portal or bill, check the account name is the school's, and phone the bursary before paying.
What receipt should I ask the school for?
An official receipt in the child's name showing the term, the amount and what it covers, plus your own transfer record.
Sources
- Techeconomy: Nigerians in diaspora, how to pay school fees safely (16 Sep 2025) · accessed Oct 2026
- NCC: How to make payments (Remita RRR) · accessed Oct 2026
- Udo Udoma & Belo-Osagie: CBN directive routing remittances through regulated channels (Mar 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.