Introduction
If you live in the United States and regularly send money to Nigeria, you know exactly what it costs, not just in dollars, but in time, stress, and value lost to hidden fees and poor exchange rates.
According to the World Bank, the Sub-Saharan African diaspora sent home over $54 billion in 2023. But billions of that never reached families. It went straight to transfer fees, exchange rate markups, and intermediaries that had little reason to give you a better deal.
There’s now a better option. Cleva is a fintech platform built by Africans, for Africans and it’s now available in the United States. With Cleva, you can send money from anywhere in the US directly to any naira bank account in Nigeria, with zero fees, competitive rates, and rewards on every transfer. And unlike most remittance platforms, Cleva doesn’t stop at money transfers. You can also buy data and pay electricity bills for your loved ones in Nigeria, all from the same app.
Why it still costs too much to send money
Traditional services like Western Union, MoneyGram, and bank SWIFT transfers were not built with the African diaspora in mind. Here’s what you’re dealing with:
- Transfer fees of $15–$30 per transaction
- Exchange rate markups that quietly reduce what your family actually receives
- Transfers that can take 1–3 business days, even for urgent needs
- No way to help with the smaller, recurring needs like data or electricity, so you’re stuck juggling separate apps just to fully support your family
If you send $500 twice a month using traditional services, you could be losing $800–$900 a year to fees and markups alone. That’s money that could cover school fees, medical bills, or household expenses back home.
What is Cleva?
Cleva is a digital finance platform that has helped over a million Africans receive, save, and spend dollars seamlessly over the past two years. The platform is built around transparency, speed, and rewarding users, not penalising them for sending money home.
With the US product now live, Nigerians in the diaspora can send money directly to any naira bank account in Nigeria, fund their wallets with a US debit card or stablecoins, and earn rewards in the process. And because supporting family back home is rarely just about a bank transfer, Cleva also lets you buy data and pay electricity bills for your loved ones directly from the app, something most remittance platforms simply don’t offer.
How to send money from the US to Nigeria with Cleva
Getting started takes just a few minutes:
1. Download the Cleva app, sign up and log into the app.
2. Verify your identity:
Verify your identity by completing your KYC for security and compliance.
3. Add USD to your account
Tap “Add funds” from the app homepage, then choose “From debit card” or “From stablecoins”, depending on how you’d like to fund your account.
4. Enter your funding amount
After choosing your preferred method, input the amount you want to add to your account and tap “Add funds” to continue. Your wallet is funded instantly.
5. Start sending money
Send to any naira bank account in Nigeria. Your recipient receives the money in minutes.
Need to do more? Buy data or pay an electricity bill for them too, all from the same app.
And that’s it.
Why Nigerians in the US are choosing Cleva to send money home
1. Zero fees on debit card funding.
Fund your Cleva wallet with your US debit card at no cost. If you prefer stablecoins, there’s a flat $1 fee for USDT or USDC deposits; no percentage-based charges and no hidden costs.
2. Favourable exchange rates.
Cleva offers transparent and competitive rates. Your family, employees, friends etc receive the full value every time.
3. Fast, secure transfers.
Transfers arrive in minutes, not days. Cleva is FDIC-insured in the US and uses end-to-end encryption on every transaction.
4. Earn Points on transfers and stablecoin deposits.
Every time you send money to a naira account or deposit USDT/USDC, you earn Cleva Points, redeemable as real USD.
5. Provide real support for your family, beyond sending money
Cleva goes beyond remittance. You can buy data and pay electricity bills for your loved ones in Nigeria directly from the app, so you’re not stuck switching between platforms just to take care of the people you love.
5. Enjoy $10 cashback (Limited-time offer)
Send $200 or more, get $10 back instantly. This cashback offer is valid till the end of August 2026. Don’t miss it.
6. Save and earn with Cleva Pots.
Not ready to send yet? Park your USD in Cleva Pots and earn interest while you wait.
7. Higher limits for larger transfers.
Need to send a larger amount? Cleva supports higher transfer limits to accommodate bigger transactions.
Frequently Asked Questions
We know you have questions. Here are some answers to help you get started:
1. What is Cleva’s US transfer product?
Answer: Cleva’s US transfer product lets people in the United States send money to any Naira account in Nigeria with zero fees, favourable rates, and fast delivery, all from one single platform.
2. Who can use Cleva’s US transfer feature, and how do I sign up?
Answer: Anyone based in the United States with an SSN who wants to send money to Nigeria can use Cleva.
Getting started is easy. Create your account here: https://getcleva.com/us
3. Which countries can I send money to from the USA?
Answer: You can currently send money from the United States to Nigeria for now. More destination countries are coming soon…
4. How soon will my recipient receive the money?
Answer: Recipients typically receive their money within minutes.
5. What are the fees for US transfers to Nigeria on Cleva?
Answer: Transfers to Nigeria are free. Though stamp duty applies for amounts above 10,000 Naira.
6. Will I earn points on my transactions and how?
Answer: Yes, you earn Cleva Points on two actions, and redeem them as real USD:
- You earn Points on every transfer to Nigeria. (must be greater than $10 to qualify)
- Funding your account with USDT or USDC earns points
7. Is there a limited-time offer for new users?
Answer: Yes. Send $200 or more in a single transfer and get $10 back instantly. This is a limited-time offer, so don’t miss it. Check the app to see when the offer ends.
8. Can I save my USD on Cleva?
Answer: Yes. With Cleva Pots, you can save your USD and earn rewards while you wait to send. It’s a great way to make your dollars work for you even when you’re not transferring.
9. Can I send money from the US to business accounts?
Answer: Yes. You can send money from the United States to both personal and business accounts in Nigeria.
10. Why should I use Cleva instead of other platforms?
Answer: Cleva is built to remove the stress from sending money home:
- Zero fees when you fund with your debit card
- Favourable exchange rates with no guesswork
- Fast, secure transfers
- Buy data and pay electricity bills for loved ones in Nigeria, something other platforms don’t offer
- Points earned on every transfer and stablecoin deposit, redeemable as real USD
- Cleva Pots to save and earn interest on your USD
- Higher limits available for larger transfers
Conclusion
Sending money home should not cost you a fortune, and supporting your family shouldn’t mean juggling five different apps. With Cleva, you get zero fees, competitive exchange rates, fast transfers, real rewards, and the ability to buy data and pay electricity bills for your loved ones, all in one place.
Create your account in minutes at getcleva.com/us and make your first transfer today.
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