{"id":34587,"date":"2022-02-22T03:36:55","date_gmt":"2022-02-22T03:36:55","guid":{"rendered":"https:\/\/adamfayed.com\/?p=34587"},"modified":"2024-05-16T07:40:06","modified_gmt":"2024-05-16T07:40:06","slug":"sending-money-out-of-nigeria-part-2","status":"publish","type":"post","link":"https:\/\/adamfayed.com\/es\/money-transfer\/sending-money-out-of-nigeria-part-2\/","title":{"rendered":"Enviar dinero fuera de Nigeria (2\u00aa parte)"},"content":{"rendered":"<h4 class=\"wp-block-heading\"><\/h4>\n\n\n\n<p>Sending money out of Nigeria part 2 &#8211; Part one is here.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"money-transfers-what-are-the-most-convenient-ways\"><strong>Money transfers &#8211; what are the most convenient ways?<\/strong><\/h4>\n\n\n\n<p>Previously, to transfer money, you had to go to the post office and fill out a receipt. At the same time, the recipient had to wait for the parcel from 3 days to several weeks. Today, thanks to electronic payment systems, a money transfer operation will take several minutes. At the same time, funds can be transferred to the recipient&#8217;s account very quickly: from several minutes to several hours.<\/p>\n\n\n\n<p>El remitente puede utilizar distintos medios para transferir dinero:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>you can send money by mail<\/li><li>you can contact the bank<\/li><li>you can also use the help of Internet banking.<\/li><li>or there are several popular international money transfer companies<\/li><\/ul>\n\n\n\n<p>All these methods transfer your money to the addressee at different speeds and at different rates. Your choice will depend on parameters such as the amount of the transfer, the destination and the time during which you want to send the money. You can choose the most convenient payment system. Later we will show you some of the best options you can use being in Nigeria.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"western-union\"><strong>Western Union<\/strong><\/h4>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"750\" height=\"406\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/02\/shutterstock_1196540788-750x406-1.jpg\" alt=\"Sending money out of Nigeria\" class=\"wp-image-34589\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/02\/shutterstock_1196540788-750x406-1.jpg 750w, https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/02\/shutterstock_1196540788-750x406-1-300x162.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/02\/shutterstock_1196540788-750x406-1-81x44.jpg 81w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.westernunion.com\/mk\/en\/home.html\" data-type=\"URL\" data-id=\"https:\/\/www.westernunion.com\/mk\/en\/home.html\" target=\"_blank\" rel=\"noopener\">Western Union<\/a> Western Union es el mayor proveedor de transferencias de dinero del mundo, con m\u00e1s de 500.000 oficinas en m\u00e1s de 200 pa\u00edses y territorios. A diferencia de muchos proveedores, Western Union ofrece transferencias nacionales e internacionales; la capacidad de enviar y recibir dinero en efectivo r\u00e1pidamente en el extranjero es su especialidad.<\/p>\n\n\n\n<p>But Western Union has a complex pricing structure, and the FAQ lacks guidance for some key customer situations, such as canceling a transfer before delivery. In addition, the company has failed to protect consumers in the past.<\/p>\n\n\n\n<p>Las transferencias a trav\u00e9s del sistema internacional de Western Union llevan un n\u00famero de control de transferencia de dinero, que permite encontrar r\u00e1pidamente la transferencia y comprobar su estado. El dinero puede recibirse en pocos minutos tras el env\u00edo en m\u00e1s de 200 pa\u00edses de todo el mundo.<\/p>\n\n\n\n<p>There are 2 options for transferring funds:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Personal visit to a Western Union branch or partner bank<\/li><li>Online transfer &#8211; with this method you do not need to visit bank branches, instead you can do it through a computer or mobile phone with Internet access<\/li><\/ul>\n\n\n\n<p>You do not need to have a bank account to transfer money using Western Union. The maximum transfer amount in bank branches is 7400 US dollars or the equivalent amount in the required currency. The only drawback of the system may be that the dollar will be greatly overvalued, which will affect the transfer of money abroad.<\/p>\n\n\n\n<p>Una vez transferidos los fondos, el banco emite un recibo con un n\u00famero de control de 10 d\u00edgitos. \u00c9ste, as\u00ed como el importe, el pa\u00eds y la ciudad de la transferencia, deben ser nombrados por el destinatario.<\/p>\n\n\n\n<p>La comisi\u00f3n de transferencia s\u00f3lo la paga el remitente. En casos excepcionales, puede cobrarse una comisi\u00f3n del destinatario, por ejemplo, cuando se transfiere a una persona jur\u00eddica.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"transferwise\"><strong>TransferWise<\/strong><\/h4>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"575\" height=\"375\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/02\/wise-alamy-575x375-june17-1.jpg\" alt=\"Sending money out of Nigeria\" class=\"wp-image-34590\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/02\/wise-alamy-575x375-june17-1.jpg 575w, https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/02\/wise-alamy-575x375-june17-1-300x196.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/02\/wise-alamy-575x375-june17-1-81x53.jpg 81w\" sizes=\"(max-width: 575px) 100vw, 575px\" \/><\/figure>\n\n\n\n<p>Es una empresa estonia que te permite hacer transferencias a otros pa\u00edses, pagando s\u00f3lo la diferencia de tipos y una comisi\u00f3n baja. Es una gran alternativa a las transferencias bancarias, ya que el dinero va a la tarjeta bancaria del destinatario, pero no pierdes dinero en intereses.<\/p>\n\n\n\n<p>To transfer you need:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Registrarse en el sitio web de la empresa (s\u00f3lo para el remitente). Obtienes una cuenta IBAN real, que tambi\u00e9n puedes utilizar para recibir dinero de otros pa\u00edses.<\/li><li>Seleccione el importe que desea enviar<\/li><li>A\u00f1adir datos bancarios del destinatario<\/li><li>Verificar la identidad (foto de carn\u00e9)<\/li><li>Pagar la transferencia<\/li><li>Puede seguir su transferencia<\/li><\/ul>\n\n\n\n<p>Money transfer startup TransferWise offers cheap ways to send money from the US to over 70 countries. The exchange rates are among the best you will find. You can fund the transfer in various ways, such as using a bank account or card, but the recipient must have a bank account. The highly-rated mobile apps and websites provide useful cost calculators and other information to make transfers convenient.<\/p>\n\n\n\n<p>La empresa ofrece comisiones bajas. El coste fijo para muchos pa\u00edses es una combinaci\u00f3n de una cantidad fija de alrededor de $1 y un porcentaje de algo menos de 1% del importe de la transferencia.<\/p>\n\n\n\n<p>Las comisiones de las tarjetas de cr\u00e9dito son m\u00e1s elevadas. Utilizar una transferencia ACH desde su cuenta bancaria o tarjeta de d\u00e9bito suele ser m\u00e1s barato. Si pagas por transferencia bancaria con TransferWise, es probable que tu banco te cobre una comisi\u00f3n.<\/p>\n\n\n\n<p>Pero esta transferencia internacional de dinero no siempre es la mejor opci\u00f3n para grandes transferencias. Algunos proveedores no cobran comisiones y ofrecen m\u00e1rgenes competitivos, lo que puede hacer que algunas transferencias sean m\u00e1s baratas que TransferWise.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"worldremit\"><strong>WorldRemit<\/strong><\/h4>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"620\" height=\"250\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/02\/WorldRemit-logo-620x250-V3.png\" alt=\"Sending money out of Nigeria\" class=\"wp-image-34591\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/02\/WorldRemit-logo-620x250-V3.png 620w, https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/02\/WorldRemit-logo-620x250-V3-300x121.png 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/02\/WorldRemit-logo-620x250-V3-81x33.png 81w\" sizes=\"(max-width: 620px) 100vw, 620px\" \/><\/figure>\n\n\n\n<p>WorldRemit is an online money transfer service that allows people from all over the world to send money to their friends and family abroad. The company was founded in 2010 by Somali migrant Ismail Ahmed while studying at a university in London, who found an opportunity to make money transfers cheaper and easier to send money.<\/p>\n\n\n\n<p>Payment methods also vary greatly but include (depending on the country) bank transfers, debit and credit cards, SOFORT, Apple and Android Pay, Poli, Interac, ACH, and Trustly. In the United States, WorldRemit offers money transfer services from all 50 states and, according to TechCrunch, &#8220;they are currently looking to expand further in Asia.\u201d<\/p>\n\n\n\n<p>WorldRemit es una alternativa de bajo coste a los servicios tradicionales de transferencia de dinero, y el hecho de que puedas transferir dinero en cualquier momento y lugar utilizando el sitio web o la aplicaci\u00f3n m\u00f3vil de WorldRemit lo convierte en un servicio muy c\u00f3modo. No hay necesidad de ir a un agente, hacer cola y esperar. Todo ocurre online, lo que significa que las comisiones de WorldRemit son m\u00e1s asequibles que las de muchos de sus competidores, y sus clientes ahorran en costes.<\/p>\n\n\n\n<p><strong>How WorldRemit works:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Abra una cuenta. Visite el sitio web de WorldRemit y abra una cuenta de forma gratuita.<\/li><li>Enter the recipient&#8217;s details. Tell WorldRemit where and to whom you need to send money<\/li><li>Personalice su transferencia a trav\u00e9s de WorldRemit. Introduzca el importe de la transferencia y la forma de pago<\/li><li>Pague la transferencia. Transfiera fondos desde su cuenta bancaria local o pague con tarjeta de d\u00e9bito o cr\u00e9dito.<\/li><li>Deje que WorldRemit haga el resto. WorldRemit convertir\u00e1 tu dinero en la divisa del destinatario y se lo enviar\u00e1 a trav\u00e9s de la opci\u00f3n de pago seleccionada.<\/li><\/ul>\n\n\n\n<p>Here is another option for secure money transfer. If you are in Nigeria and want to urgently send money to someone abroad, you have a very wide range of options available. Now let&#8217;s see what each sender should consider when transferring money.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"money-transfers-through-banks\"><strong>Money transfers through banks<\/strong><\/h4>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"express-transfers\"><strong><em>Express transfers<\/em><\/strong><\/h4>\n\n\n\n<p>You don&#8217;t need to open an account for this. Such transfers can only be made by natural persons. The procedure is simplified and designed to send money only within Nigeria.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"swift-international-transfers\"><strong><em>Transferencias internacionales SWIFT<\/em><\/strong><\/h4>\n\n\n\n<p>Translated, the abbreviation SWIFT means &#8220;Society for Worldwide Interbank Financial Telecommunications&#8221; and its main purpose is to transfer information and make payments in an international format. This method can be used when sending any amount of money to any country in the world. The main thing is that the recipient bank is connected to the SWIFT system.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Transfers will take from 1 to 3 banking days<\/li><li>To transfer funds, both the sender and recipient must have active bank accounts.<\/li><li>The sender must have an identity document with him, as well as the details of the recipient<\/li><\/ul>\n\n\n\n<p>In addition, the purpose of sending money must be indicated without fail. Such transfers are convenient if you urgently need to send money to another country &#8211; for example, to pay for tuition.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"transfers-from-card-to-card-within-one-payment-system-for-example-visa-to-visa\"><strong><em>Transferencias de tarjeta a tarjeta dentro de un mismo sistema de pago (por ejemplo, de VISA a VISA)<\/em><\/strong><\/h4>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"870\" height=\"365\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/02\/visa_mastercard_euro_sl.jpg\" alt=\"\" class=\"wp-image-34592\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/02\/visa_mastercard_euro_sl.jpg 870w, https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/02\/visa_mastercard_euro_sl-300x126.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/02\/visa_mastercard_euro_sl-768x322.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/02\/visa_mastercard_euro_sl-81x34.jpg 81w\" sizes=\"(max-width: 870px) 100vw, 870px\" \/><\/figure>\n\n\n\n<p>The advantage of this money transfer method is that it is available at any time of the day, even on weekends when banks are closed. For this transfer, you will need access to an ATM or Internet banking. The card can be either a Nigerian or a foreign bank, it is important that this card belongs to a certain payment system (for example, VISA), and you know the card number, first and last name of the recipient.<\/p>\n\n\n\n<p>En este caso, los fondos se recibir\u00e1n en 3 horas si se trata de tarjetas VISA de un banco y en un d\u00eda si son tarjetas de bancos diferentes. Pero lo m\u00e1s frecuente es que el dinero llegue en cuesti\u00f3n de minutos. Los precios de este tipo de transferencia de dinero pueden variar, dependiendo de las condiciones del banco.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"transfer-by-code\"><strong><em>Transfer by code<\/em><\/strong><\/h4>\n\n\n\n<p>Individual bank cardholders can transfer money through an ATM or an Internet banking portal. The recipient does not need a bank card; he simply uses the code that the sender tells him, enters it in the appropriate field in the ATM, and can withdraw money.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"general-tips-for-international-money-transfers\"><strong>General tips for international money transfers<\/strong><\/h4>\n\n\n\n<p>1.Compare el coste de la traducci\u00f3n de varios proveedores<\/p>\n\n\n\n<p>Hay dos tipos de costes: el pago por adelantado y el margen sobre el tipo de cambio. Busque un proveedor que le ofrezca la combinaci\u00f3n m\u00e1s barata de comisiones bajas y el mejor tipo de cambio posible. Normalmente, los proveedores online no bancarios ofrecen transferencias m\u00e1s baratas que los bancos.<\/p>\n\n\n\n<p>2. Saber c\u00f3mo funcionan los tipos de cambio (y c\u00f3mo encontrar el mejor)<\/p>\n\n\n\n<p>An exchange rate is the price of one currency in relation to another currency. For example, if you want to convert US dollars to Euros, you should check how much one US dollar is worth in Euros. Most transfer providers won&#8217;t give you the exchange rate you&#8217;ll find on a currency exchange platform like Bloomberg.com (or when you exchange rates on Google), but a currency platform can be a useful starting point to see what the best rate looks like. like this minute. When checking the exchange rate for an international transfer using services such as Western Union, be guided by the amount in foreign currency. The higher it is, the more money your recipient will receive.<\/p>\n\n\n\n<p>3. Evite pagar con tarjeta de cr\u00e9dito<\/p>\n\n\n\n<p>Esta es una opci\u00f3n para algunos proveedores, pero puede haber un pago inicial m\u00e1s alto y el emisor de su tarjeta de cr\u00e9dito puede ser responsable de cargos como intereses y anticipos en efectivo. Si necesita una entrega r\u00e1pida del dinero, utilice una tarjeta de d\u00e9bito. Una transferencia pagada directamente desde una cuenta bancaria suele ser mucho m\u00e1s lenta.<\/p>\n\n\n\n<p><strong>\u00bfLe duele la indecisi\u00f3n financiera? \u00bfQuiere invertir con Adam?<\/strong><\/p>\n\n\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link\" href=\"https:\/\/adamfayed.com\/es\/apply-now\/\">Solicitar<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link\" href=\"https:\/\/adamfayed.com\/es\/are-we-a-good-match-faqs\/\">Preguntas frecuentes<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link\" href=\"https:\/\/adamfayed.com\/es\/#contact-me\">P\u00f3ngase en contacto con<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Adam is an internationally recognised author on financial matters, with over&nbsp;368.7 million&nbsp;answers views on Quora.com and a widely sold book on Amazon<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Enviar dinero fuera de Nigeria (2\u00aa parte)<\/p>","protected":false},"author":1,"featured_media":34594,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10166176115445471_100883565069113":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[11826],"tags":[11331,11330,11334,11333,11332,11336,11420,11422,11335,11520,11212,11421],"class_list":["post-34587","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-transfer","tag-currency-of-nigeria","tag-economy-of-nigeria","tag-education-for-foreigners-in-nigeria","tag-healthcare-for-expats-in-nigeria","tag-housing-in-nigeria-for-expats","tag-jobs-in-nigeria-for-expats","tag-money-transfers","tag-money-transfers-through-banks","tag-transportation-cost-in-nigeria","tag-uncategorized","tag-western-union","tag-worldremit"],"_links":{"self":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/34587","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/comments?post=34587"}],"version-history":[{"count":1,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/34587\/revisions"}],"predecessor-version":[{"id":86620,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/34587\/revisions\/86620"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/media\/34594"}],"wp:attachment":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/media?parent=34587"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/categories?post=34587"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/tags?post=34587"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}