How to Send Money to Nigeria Using a Credit Card in 2025 – Complete Guide via TOWB

In 2025, sending money to Nigeria has become vital and essential due to the country's accelerating economic growth and expanding family and business ties between Nigeria and the rest of the world. Whether the goal is to support family, pay tuition fees, or invest in local business opportunities, having a fast, secure, and reliable way to Transfer funds is indispensable.

In this context, credit cards have become a preferred and advanced option for many when sending money to Nigeria, offering advantages such as speed, convenience, and security—features that are uniquely provided by TOWB, a leader in international money transfer services.

This guide aims to explain how to utilize credit cards when sending money to Nigeria via the TOWB platform, with a detailed explanation of the practical aspects related to fees, security, and tips to ensure a smooth, efficient, and reliable Transfer experience.

Why You Should Prefer Using a Credit Card to Transfer Money to Nigeria via TOWB?

Credit cards are one of the most popular and intelligent options for sending money, especially with TOWB, which offers a seamless and exceptional Transfer experience. Below are the main advantages that make sending money using a Credit Card via TOWB your ideal choice:

1. Instant Transfer Speed

Money sent using a Credit Card reaches the recipient in Nigeria in just a few minutes, thanks to the advanced Transfer technologies employed by the platform. There's no need to wait for days as in traditional methods, making it perfect for emergencies or urgent financial needs.

2. Flexible Payment Without Complications

Credit cards allow you to make transfers even if you don’t have immediate funds in your bank account, as you can use your available credit limit. This option is fully supported, giving you greater freedom to manage your cash flow without restrictions.

3. Top Security Standads

We prioritize the protection of your funds and data. All transactions are made via encrypted payment gateways that comply with the highest standards of cybersecurity. Additionally, the platform partners with leading card companies like Visa and Mastercard, providing extra layers of fraud protection, giving you complete peace of mind when using your credit card.

The Difference Between Sending Money via Credit Card and Traditional Methods with TOWB

We offer an advanced Transfer experience that differs significantly from traditional methods like bank transfers or cash remittances, where:

• Ease of Process

You can complete the entire transaction online on your smartphone without visiting a bank branch or agent.
 

• Speed

The money reaches Nigeria within minutes, compared to days with traditional methods.
 

• Security

The platform ensures high protection and transparency in tracking transfers.
 

• Competitive Cost

We offer competitive exchange rates and transparent Transfer fees.

Essential Requirements Before Starting a Transfer Using a Credit Card via TOWB

To ensure a successful Transfer process via the TOWB platform without any obstacles, make sure of the following points:

1. Active and Valid Credit Card

Your Credit Card (Visa or Mastercard) must be activated for international transfers, with a balance or credit limit that covers the Transfer amount and transaction fees. It is recommended to contact the bank that issued the card to ensure there are no restrictions on international transfers.
 

2. Accurate Recipient Information

The Transfer process via TOWB requires accurate information to ensure the funds reach their destination without delay:

• For Bank Accounts: Full name, bank name, account number, and SWIFT or BIC code if necessary.

• For Digital Wallets or Cash Pickup: Full name, phone number, and pickup address.
   

3. Know Your Customer (KYC) Procedures

We comply with all anti-money laundering and counter-terrorism financing regulations. You may be asked to provide official identification documents (such as a passport or ID card), especially for large transfers or first-time usage.

Potential Fees When Sending Money Using a Credit Card via TOWB

We aim to provide a transparent experience when it comes to fees, and it’s important to know them:

Transfer Service Fee

A fair fee is charged for providing the service, and it will be clearly displayed before completing the transaction.
 

Credit Card Cash Withdrawal Fees

It is advisable to avoid withdrawing cash from the Credit Card as the issuing bank may impose additional fees and interest. TOWB offers various payment options to avoid these costs.
 

Currency Conversion Fees

TOWB controls exchange rates to provide the best possible rate, with competitive fees for converting your local currency to Nigerian Naira (NGN).

Steps to Transfer Money to Nigeria Using a Credit Card via TOWB

To make a safe and effective transfer, follow these detailed steps:

1. Choose a Financial Transfer Service via TOWB

Start by visiting the TOWB website or official app, where you’ll find a secure and reliable platform that supports transfers to Nigeria using a credit card.
 

2. Create an Account and Log In

If you're a new user, create a personal account by entering your basic details. You will need to verify your identity by uploading the required documents to ensure the security of your transactions.
 

3. Specify Transfer Details

Select the sending and receiving countries (Nigeria), and enter the Transfer amount. The platform will show you the current exchange rate, the amount the recipient will receive after deducting fees, and the estimated Transfer duration.
 

4. Choose the Receiving Method in Nigeria

We provide multiple options for receiving money in Nigeria, such as direct bank deposit, Transfer to digital wallets, or cash pickup from an approved local agent.
 

5. Enter the Recipient's Information Accurately

Enter all required recipient details according to the chosen receiving method, ensuring that names and account details match to avoid any delays.
 

6. Pay Using Your Credit Card

Enter your Credit Card details accurately, including the card number, expiration date, and CVV code. Transfer fees and exchange rates will be displayed before you confirm the payment.
 

7. Review and Confirm the Transfer

Carefully review all details: the amount sent, the expected amount received, the fees, and the recipient’s information. This ensures the safety and success of the transfer.
 

8. Complete the Transaction and Track the Transfer

Once the payment is complete, you will receive a tracking number through which you can monitor the status of your Transfer via the TOWB platform. The recipient will be notified once the funds are available.

Security Tips When Using a Credit Card via TOWB

To maintain the safety of your funds and data during transfers, here are some golden tips:

• Use the certified and licensed TOWB platform, which follows the latest security protocols.

• Ensure the website address starts with "https" when entering your card details.

• Do not share your card information with anyone outside the TOWB platform.

• Regularly monitor your Credit Card statement for unusual activity.

• Set up real-time transaction alerts with the card-issuing bank.

• Choose strong and unique passwords for your account.

Common Challenges and How to Handle Them via TOWB Support

1. Card or Transfer Rejection

If your bank rejects the transfer:

• Contact the bank to understand the reason for rejection.

• Verify that international transactions are enabled on your card.

• Try using a different card or alternative payment methods.
   

2. High Fees

• Always compare Transfer offers.

• Take advantage of periodic promotions or discounts offered by the platform.

• Avoid transferring very small amounts to avoid high relative fees.
   

3. Delayed Funds Arrival

• Ensure the recipient’s details are accurate.

• Track the Transfer using your tracking number.

• Contact customer support if there’s an unexplained delay, as the platform provides quick and efficient support.

Conclusion

Using a Credit Card via the TOWB platform to send money to Nigeria in 2025 is the optimal solution that combines speed, security, and convenience. By following the security instructions and understanding the potential fees, you can ensure a flexible and reliable Transfer experience that meets all your personal or business financial needs.

We offer you the best solutions and services to send your money to Nigeria securely and with unprecedented speed. Always choose TOWB’s leading services, carefully review the Transfer details, and track the transfer’s progress until the funds reach the recipient smoothly and effortlessly.

Are you ready to send your money to Nigeria quickly and securely?

With TOWB, you can send money using a Credit Card with complete ease, the lowest possible fees, and a guarantee of tracking the process step-by-step until the funds are received by the recipient. Start now and join thousands of satisfied customers who trust TOWB for the best international Transfer experience!

Start your Transfer with TOWB now