Last checked 22 September 2026
Your recipient uses OPay rather than a traditional bank. Will Remitly accept the account? What if they use PalmPay, Kuda or Moniepoint? We checked what five transfer services actually publish, and only one of them answers the question properly.
The short answer
- Taptap Send names all four. Its Nigeria help page lists Opay, Palmpay, Kuda Bank and Moniepoint among 24 supported banks for naira deposits.
- Remitly names three of the four. OPay, PalmPay and Moniepoint each have their own page in Remitly’s destination directory. Kuda does not appear anywhere in it.
- Wise, WorldRemit and Sendwave publish nothing. All three send to Nigeria, none of them name a single one of these four institutions on their public pages.
What each service publishes
| Service | OPay | PalmPay | Kuda | Moniepoint | Payout methods for Nigeria |
|---|---|---|---|---|---|
| Taptap Send | Listed | Listed | Listed | Listed | Bank transfer only |
| Remitly | Listed | Listed | Not listed | Listed | Bank deposit, cash pickup, mobile wallet |
| Wise | Not published | Not published | Not published | Not published | Bank accounts only |
| WorldRemit | Not published | Not published | Not published | Not published | Bank transfer, cash pickup, mobile money, airtime |
| Sendwave | Not published | Not published | Not published | Not published | Not stated on its Nigeria page |
Why this question is so hard to answer
OPay, PalmPay, Kuda and Moniepoint are usually described as apps or wallets, which makes people assume they need a special “mobile wallet” payout option. In practice all four issue an ordinary ten-digit Nigerian account number in the NUBAN format, and most transfer services treat them as banks — entries in a long alphabetical list alongside Access Bank and Zenith.
That is why searching for “can Remitly send money to OPay” turns up nothing useful. The answer is rarely an article. It is a line item in a dropdown that only appears halfway through setting up a transfer.
Taptap Send: the only one that names all four
Taptap Send’s Nigeria help page, last updated on 18 September 2026, lists the banks it supports for naira deposits. Opay, Palmpay, Kuda Bank and Moniepoint all appear, alongside Access Bank, GTBank, Zenith, UBA, Sterling, Providus, Jaiz, Keystone and the rest of the 24 it names.
Three details from that page are worth knowing before you use it:
- Bank transfer only. For Nigeria, Taptap Send does not offer cash pickup or a separate wallet payout. Everything goes to a ten-digit NUBAN account number.
- No transfer fee, but that is not the same as free. Taptap Send states that it charges no fee for Nigeria and that the cost is built into the exchange rate instead. A zero-fee transfer is not automatically the cheapest one — see fee vs exchange rate.
- Recalls freeze the recipient’s account. If you ask for a transfer to be reversed, Taptap Send says the Nigerian bank places a lien on the recipient’s account while the funds are recovered — a freeze that lifts automatically after two weeks. Worth knowing before you request a recall over a simple mistake.
Taptap Send also publishes a delivery figure: 95% of its Nigerian bank transfers arrive in under two minutes, though a payment can take up to two working days to show up. That is the company’s own reported performance, not a guarantee about your transfer.
Remitly: three of the four, and Kuda’s absence
Remitly publishes the most detailed destination directory of any service we checked — 489 Nigerian institutions on the version shown to senders in Germany, each with its own page. OPay, PalmPay, Moniepoint and Paga are all there, along with a long tail of microfinance and payment service banks: Fairmoney, Sparkle, Carbon, Renmoney, VFD, Airtel/Smartcash PSB, MoMo PSB, 9 Payment Service Bank, GoMoney and KongaPay among them.
We checked the directory shown to senders in both Germany and the United Kingdom. OPay, PalmPay and Moniepoint appear on both. Kuda appears on neither.
That is a stronger finding than “we could not confirm it”. Remitly publishes several hundred destinations including obscure microfinance banks, and Kuda is not among them. If your recipient banks with Kuda, do not assume Remitly will reach them — check the recipient selector for your own sending country before you pay.
Remitly lists bank deposit, cash pickup and mobile wallet as its delivery methods for Nigeria, and its OPay pages exist for senders in the United States as well as the UK and Germany.
Wise: bank accounts only, and no list
Wise sends naira to personal and business bank accounts in Nigeria. Its published requirements are the recipient’s full name in English characters, a bank code, and a ten-digit account number. There is no cash pickup and no wallet payout.
What Wise does not publish is which institutions its bank-code list covers. Since it asks for exactly what these four issue — a bank code and a ten-digit NUBAN — it is worth checking inside the app rather than assuming it works or assuming it does not.
Wise says a Nigerian bank deposit usually arrives on the same working day once it has received and converted your money, that the conversion itself can take up to two working days, and that NIBSS can take up to 24 hours to confirm a payment’s status. Those estimates only matter once you have established that Wise accepts the receiving account.
WorldRemit, Sendwave and everyone else
WorldRemit offers bank transfer, cash pickup, mobile money and airtime top-up to Nigeria. It does not name which mobile money services it reaches. Sendwave, operated by the same parent company, Zepz, does not state its receive methods on its Nigeria page at all.
The same applies to LemFi, NALA, Western Union and the others people ask about. A service saying it “supports bank deposits to Nigeria” is not evidence that it reaches any particular one of these four. Until a provider names the institution, treat it as unverified rather than as a yes or a no.
How to check any service yourself in thirty seconds
- Open the service and start a transfer to Nigeria as though you were going to send.
- Set your real sending country and amount, and choose NGN as the receiving currency.
- When it asks for the recipient, open the list of banks and type “opay”, “palmpay”, “kuda” or “moniepoint”.
- If the name appears, that service reaches it. Close the app. You have not sent anything and you have not paid anything.
Do this on the day you are sending. Destination lists change without announcement, and they differ by the country you send from.
If the account number is rejected
A valid Nigerian account number does not guarantee that an international service can pay into it. An OPay account that receives transfers from other Nigerian banks without trouble can still be refused by a provider whose payout partner does not reach OPay.
So check two separate things: whether the details are right, and whether the provider reaches that institution. Look first for a missing leading zero, a mistyped digit, or the wrong institution selected. If the details are correct and it still fails, ask the provider’s support whether that specific institution is supported.
Do not work through the bank list trying different institutions in the hope one goes through. Money sent to the wrong account is very hard to get back.
Business accounts are a separate question
Support for a personal Moniepoint account does not automatically extend to every Moniepoint business account. Remitly names Moniepoint as a destination and separately runs a business product, but neither statement establishes that any given business account is eligible for any given transfer product.
If you are paying a Nigerian supplier, check that the service permits commercial payments and accepts that exact account type. The same applies to business accounts at OPay, PalmPay and Kuda.
Common questions
Can I send money from abroad straight to OPay?
Yes. Taptap Send lists Opay among its supported Nigerian banks, and Remitly publishes OPay destination pages for senders in Germany, the UK and the US. Check what is available for your own sending country before you pay.
Which service can send to Kuda?
Of the five we checked, only Taptap Send names Kuda Bank as a supported destination. Remitly’s published directory does not include it. Wise, WorldRemit and Sendwave publish no list either way.
Does my recipient need an account with the transfer service?
Not for a bank deposit. Taptap Send states plainly that the recipient does not need to do anything — the money goes to the account number you supply.
Will they receive naira or the currency I sent?
Naira. Every payout described here is an NGN deposit. Sending euros or pounds does not mean euros or pounds arrive in a Nigerian account. If your recipient specifically needs dollars, that is a different product and you need to confirm it rather than assume.
The service says delivered but nothing arrived. What now?
Ask the recipient to check the account’s transaction history, then confirm the account details that were actually used. If there is no incoming credit, contact the service with the transfer reference and ask for an investigation. Do not send the money a second time while the first transfer is unresolved.
How we checked this
Everything above was read on 22 September 2026 from the providers’ own published pages: Taptap Send’s Nigeria help article, Remitly’s Nigerian destination directory as shown to senders in Germany and the United Kingdom, Wise’s naira transfer guide, and the Nigeria pages of WorldRemit and Sendwave.
We did not send money through any of these services to confirm that a payment into these accounts completes. A provider can list an institution and a payment can still fail for reasons on the receiving side. Our methodology sets out what we check and what we do not.
If a provider now shows you something different from what is on this page, tell us and we will correct it.