Estimated Cost to Send €150 via Western Union from Nigeria to Stuttgart

Costs vary by payment method, payout option, and real-time exchange rates. Below is a typical estimate for a standard transfer.

Fee Components

• Transfer Fee: ~€8–€25 (higher for cash pickup, lower for bank transfer; varies by agent location in Nigeria).
• Exchange Rate Markup: Western Union typically adds **3–5% above mid-market rate** on NGN→EUR. On €150, this hidden cost = ~€4.50–€7.50.
• Recipient Bank Fees: German banks may charge €0–€15 for incoming non-SEPA transfers (check recipient's bank).
• Nigerian Bank Charges: Sender's bank may add ₦1,000–₦5,000 for international debit.

Total Estimated Cost Range

€12–€45+ on top of the €150 sent.

Recipient receives: €150 minus any German bank fees.

How to Get Exact Quote

1. Use Western Union's online price estimator (website/app) — enter Nigeria → Germany, €150, payment/payout method.
2. Compare with Wise, WorldRemit, Remitly, Sendwave — often cheaper, better rates.
3. Ask recipient about their bank's incoming fee.

Tip

Bank-to-bank (not cash pickup) usually minimizes fees. Avoid credit card funding (cash advance fees + higher WU fee).