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The short answer
Build the budget in naira from written vendor quotes, add a contingency of about a tenth, and convert euros in stages that match each vendor's deposit and balance dates rather than all at once. Pay vendors directly to their business accounts against a written agreement, and keep one record of every payment.
Budget in naira, plan in euros
A traditional wedding is priced in naira: the venue, caterer, decorator, fabric sellers and the bride's family's list are all naira costs. If you live in Spain you will pay for much of it from euros, so you are managing two things at once: the naira budget, which you can control through choices, and the conversion, which you cannot. Keep them apart. Fix the naira budget with the families first, then plan how and when you will convert.
The main cost lines
Customs vary by family and ethnic group, so treat this as a checklist to adapt, not a template.
- Bride price and the items on the bride's family's list. A Mondaq article on Nigerian customary law (29 Jul 2025) notes that courts have treated bride price as indispensable to a valid customary marriage, though families set the amount and items themselves.
- Venue, canopies, chairs and power (generator and fuel if needed).
- Catering and drinks, usually priced per guest or per cooler.
- Decoration and stage.
- Fabric (aso ebi) for the couple and immediate family, and outfits.
- Photography and video.
- MC, band or DJ, and sound.
- Souvenirs, printing and invitations.
- Travel and accommodation for you and guests from abroad.
- Contingency.
If the event is in a Lagos hotel, restaurant or event centre, the operator collects a 5% consumption tax on goods and services under the state's Hotel Occupancy and Restaurant Consumption Law, as LIRS set out in 2023. Ask whether each quote includes it.
A worked example
The figures below are an example only, for a mid-sized event of about 300 guests. Replace each line with written quotes.
| Line | Example (₦) |
|---|---|
| Venue and canopies | 3,000,000 |
| Catering (300 guests at ₦15,000) | 4,500,000 |
| Decoration | 1,500,000 |
| Aso ebi for immediate family | 1,200,000 |
| Photography and video | 800,000 |
| MC and band | 700,000 |
| Bride price and list items | 1,000,000 |
| Subtotal | 12,700,000 |
| Contingency (10%) | 1,270,000 |
| Total | 13,970,000 |
At an example rate of ₦1,650 per euro, ₦13,970,000 is about €8,466.67. If the rate moved to ₦1,550 per euro before you converted, the same naira budget would need about €9,012.90, roughly €546 more. That gap is why the contingency matters and why converting in stages helps.
Paying vendors from Spain
- Get a written quote or simple agreement from each vendor: what is included, the date, the deposit, the balance due date and the cancellation terms.
- Pay deposits to the vendor's business account, in the business name on the agreement. Check the account name before sending.
- Put the vendor and item in the transfer reference.
- Ask for a receipt for each payment and keep it with your transfer receipt.
- Pay balances close to the due date, after checking progress with a trusted person on the ground.
Our guide to paying wedding vendors deposits from abroad covers contracts and refunds in more detail, and paying bride price from abroad covers the family side.
Timing your conversions
List every payment with its due date: deposits two or three months out, balances in the final weeks, and cash needs on the day. Convert enough euros for each tranche shortly before it falls due. This spreads your exposure to rate moves across several dates instead of one, and avoids holding a large naira balance in someone else's account. Trying to pick the single best day to convert is guesswork.
Who pays for what
In many families the costs of a traditional wedding are split between the two sides, and the split differs by custom. The bride's family often hosts and the groom's side meets the list and the bride price, but plenty of couples now pool everything and pay jointly. Whatever you agree, write it down: which lines each side covers, who signs each vendor agreement, and who holds the record. When one partner is in Spain and family on both sides are paying in Nigeria, a shared list stops two people paying the same deposit and makes it obvious when a line has not been paid. It also helps if a vendor later disputes what was agreed.
Guests travelling from Spain
If friends from Spain are coming, tell them early which dates and city, so they can book flights while fares are lower, and remind anyone travelling on a non-Nigerian passport that they need a Nigerian visa in advance. Their travel is their own cost, but a block of nearby accommodation you negotiate can save everyone money and should be on your list of early bookings.
On the day
Spraying naira at events is an offence under section 21 of the CBN Act, as the ICIR explained in 2021. If guests want to give, a transfer, envelopes or a gift box avoids the problem.
Where Pryme fits
You can hold euros and naira in one Pryme account, convert each tranche with Swap, and pay vendors in naira, with each receipt kept together. The app shows the rate and the fee before you approve. For saving towards the day in naira, see how to save for a wedding in Nigeria.
Questions people ask
How much does a traditional wedding cost in Nigeria?
It depends on guest numbers, city and family customs. Build the budget from written vendor quotes in naira and add a contingency of about 10%.
How do I pay Nigerian wedding vendors from Spain?
Pay deposits and balances to each vendor's business account against a written agreement, with the item in the reference, and keep a receipt for every payment.
Should I convert all my euros to naira at once for the wedding?
Converting in stages that match each due date spreads the rate risk and avoids leaving a large naira balance with one person.
Is spraying money at a Nigerian wedding illegal?
Spraying naira is an offence under section 21 of the CBN Act. Many couples use transfers or gift boxes instead.
Sources
- Mondaq: bride price in Nigeria, legal framework on refund (29 Jul 2025) · accessed Oct 2026
- Techeconomy: LIRS on the 5% consumption tax in Lagos (1 Oct 2023) · accessed Oct 2026
- The ICIR: CBN Act and spraying of naira at social gatherings (18 Aug 2021) · 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.