How to send money to Saint Lucia from Nigeria with the best NGN-XCD rate

Comparing providers offering services between Nigeria and Saint Lucia, based on your specific needs is the best way to send money with confidence.

Based on the availability of companies for NGN/XCD

• Western Union Agent is our top pick for sending Naira to Saint Lucia. A transfer of 360,000 Nairas to XCD will cost you ₦10800 in fees, and you will receive 641.39 XCD. The transfer time is minutes - 5 days, but might be a bit longer depending on the day you make the transfer.

• Of the 3 providers compared, MoneyGram Agent is the cheapest option for sending money right now. We found that MoneyGram Agent is 0% cheaper than the second-best option.

• Fastest way to send money to Saint Lucia from Nigeria is via PayPal App (P2P Transfer). The transfer time is minutes with PayPal App (P2P Transfer) for a ₦360,000 transfer, but it will depend on the time, day of the week, and the amount you send.

Our comparison includes 3 companies that provide the ability to send Naira to Saint Lucia.

This ensures you get the best options for transfers to Saint Lucia from Nigeria, based on the amount you want to send.

The exchange rate determines the price you’ll pay for East Caribbean Dollar when sending Naira to Saint Lucia.

The rate between the Naira and East Caribbean Dollar is currently 0.002. MoneyGram Agent offers the best exchange from NGN-XCD.

The total cost of sending money to Saint Lucia from Nigeria is a mix of the mid-market, exchange rates and transfer fees.

• The Mid-Market and Exchange Rates: The mid-market for NGN-XCD is 0.002 XCD per Naira.

• Fees: When sending money there may be additional fees. MoneyGram Agent offers the lowest fee of the 3 providers tested, costing justs 14400 NGN per transfer.

• Amount Received: When comparing providers, the best measure is the amount of East Caribbean Dollar eventually received in Saint Lucia.

This number should allow you to determine if you are getting a good deal. A higher amount of money received in Saint Lucia, means a better overall cost of sending money from Nigeria.

Sending money via a bank transfer is the recommended option for sending money from Nigeria to Saint Lucia.

Here are the popular ways to send money from Nigeria to Saint Lucia:

Bank transfers

Bank transfers are often the best payment method for money transfers from Nigeria to Saint Lucia.

A money transfer company like MoneyGram Agent offer bank transfers between Nigeria and Saint Lucia with lower fees and better exchange rates than you would get from a traditional bank. 


Debit and prepaid cards

Sending money from Nigeria to Saint Lucia with a debit or a prepaid card is very simple with Western Union Agent.


Western Union Agent is a leader in debit card payments for transfers from Nigeria to Saint Lucia, competing among a total of 3 active money transfer companies on this route.

Credit cards

Not many money transfer companies offer direct credit card deposits, because it is more expensive for everyone.

We recommend using a bank transfer or a debit card transfer if you can; otherwise, make a quick comparison to find the latest deal.

Ensuring you fully understand regulations in Nigeria and Saint Lucia will aid in keeping your money safe.

Our directory of worldwide financial regulators contains details on regulation for sending money between Nigeria and Saint Lucia.

Some services between Nigeria and Saint Lucia have minimum or maximum thresholds on how much you can transfer. This is applies when receiving money in Saint Lucia as well.

Companies will offer different rates and fees for different transfer amounts. For regular transfers to Saint Lucia, use Western Union Agent. The combination of rates and fees when sending from Nigeria to Saint Lucia is the most competitive, even at larger amounts.

Also, always check with the recipient and understand any declarations needed on large amounts of money leaving Nigeria, or entering Saint Lucia. Mis-understanding these could result in a slower, or even failed, transfer.

There are different ways to receive East Caribbean Dollar in Saint Lucia. This includes a direct bank deposit, cash pickup, a mobile wallet or receiving money into a multi-currency account.

Not all providers serving transfers from Nigeria to Saint Lucia will offer every method for incoming East Caribbean Dollar, so it’s best to check ahead of time.

One of the more common ways to transfer from Nigeria into East Caribbean Dollar is directly into a bank account. Western Union Agent is the best company for bank transfers between Nigeria and Saint Lucia.

And if you need cash right away, check if cash pickup is an option for transfers between Nigeria and Saint Lucia.

Mobile wallet services and payment apps like PayPal, Xoom, and CashApp are popular too, but they come with more limitations and higher costs compared to money transfer providers like MoneyGram Agent.

When signing up to and sending Naira to Saint Lucia, through a money transfer company, you will have to verify your ID.

The precise documents you need will vary and in some cases you will need more than one.

For the most part however, in Nigeria this will be a government issued ID such as a passport or driver's license. In Saint Lucia it will be similar, although this should only be needed if you are opening a new account in Saint Lucia, or collecting in cash. Sending to an existing bank account in Saint Lucia shouldn’t require any additional ID checks.

Large transactions between Nigeria and Saint Lucia, are subject to additional checks. A provider may ask you for proof of address or may want to carry out a proof of funds check.

One of the reasons Western Union Agent has scored so highly for transfers to Saint Lucia is their easy sign up process in Nigeria.

When sending large amounts of money between Nigeria and Saint Lucia there will potentially be a tax declaration to consider.

Some transfers into East Caribbean Dollar may need to be reported to tax authorities in Saint Lucia, particularly where inheritance or property purchases are involved.

Tax limits and personal allowances will change in Saint Lucia based on age, income and a few other elements. When in doubt, please contact a tax professional in Nigeria or Saint Lucia to discuss your personal circumstances.