Dollar to Naira, Today's Real Rate
See today's dollar to naira rate, and receive it directly. Anyone can send you dollars using just your email or social handle, no bank details shared upfront, and you claim it straight to your Nigerian bank account at the real market rate.
At the bank
₦136,056Via Loofta
₦138,523+2%Receive dollars as naira→
| USD | At the bank | Via Loofta |
|---|---|---|
| 10 | ₦13,606 | ₦13,852 |
| 50 | ₦68,028 | ₦69,262 |
| 100 | ₦136,056 | ₦138,523 |
| 250 | ₦340,140 | ₦346,308 |
| 500 | ₦680,281 | ₦692,615 |
| 1000 | ₦1,360,561 | ₦1,385,230 |
At the bank vs. on Loofta
What the sender needs from you
At the bank
Your full bank details before they can send anything, account number, bank name, sometimes SWIFT or IBAN
On Loofta
Just your email address or a social handle. No bank details shared upfront
How the sender pays
At the bank
A wire or international bank transfer, often slow and with a cut taken by intermediary banks
On Loofta
A card, Apple Pay, or crypto, no bank transfer required on their end
When and how you get paid
At the bank
Locked to the account and timing the sender already used to send it
On Loofta
You choose how and when to claim, to any Nigerian bank PAJ Cash supports or a crypto wallet, whenever you're ready
The rate you actually get
At the bank
The official bank reference rate
On Loofta
The real market rate, shown before you send
Frequently asked questions
What is the dollar to naira rate today?
It moves throughout the day, so check the live calculator above for the current number. Loofta shows the actual rate you'll get before anything is sent, not an estimate.
Why is the rate different from what my bank quotes?
Banks quote an official reference rate that's rarely the rate you'd actually get exchanging dollars in practice. Loofta pays out at the real market rate, the rate people and businesses actually exchange at day to day.
Can I receive dollars as naira without a domiciliary account?
Yes. You don't need a domiciliary account or even a crypto wallet. The sender pays with a card or crypto, you claim the payment, and it's paid out directly to any Nigerian bank account PAJ Cash supports.
Do I need to share my bank details before I get paid?
No. The sender only needs your email address or a social handle to send the payment. You add your bank account afterward, when you're ready to claim, not before.
Does the person sending me money need to already own crypto?
No. They can pay with a card or crypto, and don't need to know your bank details or hold any crypto themselves beforehand.
How long does it take to receive the naira?
Claiming to your bank account is typically a matter of minutes once you confirm which account to use, it doesn't wait on a manual transfer the way a wire would.
Already holding USDC? See the live USDC to Naira calculator instead.