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The short answer
WorldRemit's UK sender FAQ says card and Apple Pay payments are limited to £8,000 per transaction and £50,000 in 24 hours, while bank account transfers go up to £100,000 per transaction and £100,000 in 24 hours. For one large payment to Nigeria above £8,000, paying by bank transfer is the route WorldRemit's own limits allow.
Readers asking about WorldRemit's £8,000 limit are usually trying to send a single large sum: a land payment, a builder's stage, a hospital deposit. The answer is that £8,000 is the cap for card and Apple Pay, not for WorldRemit as a whole. The figures below come from WorldRemit's UK sender FAQ, read in October 2026.
The published limits
| Payment method | Per transaction | Per 24 hours |
|---|---|---|
| Debit, credit or prepaid card | £8,000 | £50,000 |
| Apple Pay | £8,000 | £50,000 |
| Bank account transfer | £100,000 | £100,000 |
The FAQ groups card and Apple Pay together under the lower limits. These are WorldRemit's ceilings; your own account can be lower depending on verification, and the recipient's bank in Nigeria may have its own rules for large credits.
Card or bank transfer for a large sum
- Card
- Fast to pay but capped at £8,000 per transaction. A credit card adds a separate risk: card providers such as Lloyds Bank treat wire transfers and e-money top-ups as cash transactions, with a cash fee and interest from when the transaction is added.
- Apple Pay
- Uses your card behind the scenes, so the same £8,000 cap and card-provider rules apply.
- Bank account transfer
- Up to £100,000 per transaction. Your own UK bank may have a daily online payment limit lower than that, and may call you to confirm a large payment.
Check your UK bank's online transfer limit before you start. If it is lower than your payment, the bank, not WorldRemit, is the constraint; some banks let you raise it temporarily or make the payment in branch.
What large transfers usually need
WorldRemit's UK FAQ lists the ID it accepts: a current passport, a current European driving licence or a current European residence permit. For address, it lists utility bills and bank statements, issued or certified by authorities within the UK. For a large sum, have these ready, plus evidence of where the money came from:
- payslips or a savings account statement showing the money building up;
- a property sale completion statement or a loan agreement if that is the source;
- the invoice, sale agreement or school letter showing what the payment is for in Nigeria.
See WorldRemit proof of address documents and providers asking for source of funds.
Worked example
Example only. Segun needs to send £12,000 for a plot in Ibadan. By card, he could not send it in one transaction, as £12,000 exceeds the £8,000 per-transaction cap. He chooses bank account transfer instead, which allows up to £100,000 per transaction. His bank's online limit is £10,000 a day, so he calls the bank, which lifts it for the payment. He keeps the sale agreement and his savings statements ready in case WorldRemit asks. The naira amount is fixed by the quote at the time he pays, which he reads before approving.
Why the 24-hour figure matters too
The per-transaction cap is only half the rule. Card and Apple Pay payments are also limited to £50,000 in 24 hours, and bank transfers to £100,000 in 24 hours. Someone paying several card transfers for different relatives on the same day counts them all against the same £50,000. That rarely bites for ordinary family support, but it can for a business owner paying staff or suppliers in Nigeria from a personal account, or a family pooling money for a funeral. If you are near either daily figure, spread payments over separate days or use bank transfer. And remember that these are ceilings, not entitlements: WorldRemit can ask for more information before releasing any transfer, whatever its size.
If something goes wrong
If a large payment needs to be stopped, request cancellation in the app under transfer activity. WorldRemit's cancellations page says it may not refund once money is paid out, and refunds usually take up to 7 working days after cancellation, longer by payment method. See a cancelled WorldRemit transfer and sending a large sum for a house purchase.
Where Pryme fits
A Pryme account holds pounds you pay in by bank transfer, so a large payment to Nigeria with Send comes from your balance rather than a card. Any limit on your account is shown in the app, and the app shows the rate and the fee before you approve.
Questions people ask
What is WorldRemit's maximum by card from the UK?
WorldRemit's UK FAQ says £8,000 per transaction and £50,000 per 24 hours for card and Apple Pay.
Can I send more than £8,000 with WorldRemit?
Yes, by bank account transfer, which WorldRemit's UK FAQ caps at £100,000 per transaction and per 24 hours. Your own bank's online limit may be lower.
Does Apple Pay have a higher limit on WorldRemit?
No. The UK FAQ gives Apple Pay the same limits as cards: £8,000 per transaction and £50,000 per 24 hours.
What ID does WorldRemit accept for UK senders?
A current passport, current European driving licence or current European residence permit, with utility bills or bank statements for address.
Sources
- WorldRemit: Send money from the United Kingdom (FAQ) · accessed Oct 2026
- WorldRemit: Cancellations and refunds · accessed Oct 2026
- Lloyds Bank: Credit card cash transactions · 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.