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The short answer
To send with WorldRemit from Italy you create an account, choose Nigeria and a payout method (bank account, cash pickup, mobile money or airtime), enter the recipient's details, and pay; WorldRemit shows the fee and exchange rate before you confirm. WorldRemit's Nigeria page says the fee depends on how the money is received rather than the amount, and since 1 May 2026 Nigerian recipients of money transfer operators are paid in naira.
The steps, from account to confirmation
- Open an account on the WorldRemit app or website with your Italian details and verify your identity when asked.
- Choose Nigeria as the destination and pick how the recipient will receive the money.
- Enter the amount in euros; the screen shows the fee, the rate and the naira the recipient gets.
- Add the recipient: WorldRemit's Nigeria page says the receiver's full name, mobile number and email are always required, plus bank details for an account payout.
- Pay and keep the transfer reference from the confirmation email.
We could not open an Italy-specific WorldRemit page for Nigeria when we wrote this, so the payout and fee points below come from WorldRemit's Nigeria page on its Canadian site and its global help pages, read in October 2026. What the app shows you in Italy on the day is the figure that counts.
Payout methods in Nigeria
| Payout | What WorldRemit says |
|---|---|
| Bank transfer | Paid into the recipient's account; the page says "up to 1 hour" |
| Cash pickup | Collected at pickup locations; the receiver does not need a bank account |
| Mobile money | Described as an "instant transfer" |
| Airtime | Top-up sent to a Nigerian phone number |
WorldRemit's page does not name its Nigerian partner banks or wallets. Whichever option you choose, a CBN circular effective 1 May 2026, summarised by Udo Udoma & Belo-Osagie, requires money transfer operators to pay Nigerian customers in naira only. Under the CBN's 2026 foreign exchange manual as reported by TheCable, over-the-counter cash from an inbound transfer is capped at the naira equivalent of $200, with larger amounts credited to a bank account, which limits what cash pickup can pay. See cash pickup in Nigeria for money sent from Italy.
Where the fee and the rate are shown
WorldRemit's Nigeria page says fees and the exchange rate are shown upfront, and that the fee depends on the receive method rather than the amount. It also mentions "fee-free transfers when sending in Naira to Nigeria". A fee-free transfer still has an exchange cost inside the rate, so compare the naira you will receive with what the mid-market rate would give. Our guide to where the cost hides in a zero-fee transfer walks through it.
Example: reading a fee-free quote
Example only. You send €300. The quote shows no fee and ₦1,455 per euro, so ₦436,500 arrives. At a mid-market rate of ₦1,480 the same euros would be worth ₦444,000. The difference, ₦7,500, is about 1.7% of the value: that is what the transfer costs you, even though the fee line says zero.
Why a transfer may be held
WorldRemit's help page on transfer processing says to wait until the time in your confirmation email has passed. A late transfer usually means documents or information have been requested, or there is a known issue. Holds come in three kinds: awaiting documents (upload them as the email says, government-issued, in date and readable), awaiting information (reply to the email), and security checks, which it says are "usually released within an hour".
Its blog adds that a cash pickup fails if the name does not match the recipient's ID, that WorldRemit may ask for proof of address or origin of funds, and that whether you can amend or cancel depends on the service and whether the money has reached the Nigerian partner. If your transfer has stalled, our step-by-step on a delayed transfer from Italy covers what to do.
Speed: what WorldRemit claims and what slows it
WorldRemit's Nigeria page makes specific claims: 90% of transfers reach local partners within minutes, identity verification takes up to 4 minutes at least 90% of the time, and card payments are faster than other ways of paying. It names three causes of delay: inaccurate information, verification, and Nigerian partners being closed. These are WorldRemit's own statements from its Canadian site, not an independent measure, and timing from Italy may differ.
Two practical points follow. Paying by card rather than bank transfer usually means the money starts moving sooner. And a transfer sent on a Friday evening or during a Nigerian public holiday may sit with the partner until it reopens, even if WorldRemit has done its part.
Checklist before you press pay
- The recipient's full name exactly as on their bank account or ID.
- Their Nigerian mobile number and email, which WorldRemit always asks for.
- For a bank payout, the bank name and 10-digit account number, read back to the recipient.
- For cash pickup, a check that the amount is within the cash cap and that they have valid ID.
- A screenshot of the quote showing fee, rate and naira received.
Where Pryme fits
For family who need naira, a remittance app is one route. If you are moving your own money and want to choose when it becomes naira, a Pryme account can hold euros and naira side by side; the app shows the rate and the fee before you approve any conversion.
Questions people ask
How do I send money with WorldRemit from Italy to Nigeria?
Create an account, pick Nigeria and a payout method, enter the amount and recipient details, check the fee and rate on screen, then pay.
Is WorldRemit free to Nigeria?
Its Nigeria page mentions fee-free transfers in naira, but the rate still carries a cost. Compare the naira received with the mid-market value.
Can my family collect WorldRemit cash in Nigeria?
WorldRemit lists cash pickup at pickup locations. CBN rules reported for 2026 cap cash from an inbound transfer at the naira equivalent of $200.
Why is my WorldRemit transfer on hold?
Usually because documents, information or a security check are pending. Check your email and respond; security checks are usually released within an hour.
Sources
- WorldRemit: Send money to Nigeria (Canada site) · accessed Oct 2026
- WorldRemit FAQ: Transfer processing · accessed Oct 2026
- WorldRemit: Scenarios affecting money transfers · accessed Oct 2026
- Udo Udoma & Belo-Osagie: The CBN's new directive to IMTOs (Mar 2026) · accessed Oct 2026
- TheCable: CBN Foreign Exchange Manual 2026 (3 Jun 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.