The practical guide to sending school fees to Nigeria from abroad

School fees season in Nigeria creates a specific kind of stress for parents abroad. The amount is fixed. The deadline is fixed. And the exchange rate is whatever it is that day — you can't negotiate with the bursar.

Here's what we've learned from helping thousands of parents send school fees every term.

Send early, convert later. If you know fees are due in September, fund your Greengate wallet in August. Set a rate alert for your target. Convert when the rate moves in your favour. You've removed the deadline pressure from the conversion decision.

Send directly to the school's account. Greengate supports direct bank transfers to any Nigerian bank account. You can save recipient details permanently — so after the first term, it's a three-tap operation.

Get a receipt your school will accept. Every Greengate transfer generates a PDF receipt showing the amount sent, the exchange rate used, the date, and the recipient bank details. Many Nigerian schools now accept this as proof of payment while the bank processes the credit.

For large amounts, split across 2–3 days. Larger transfers sometimes trigger enhanced verification on the receiving bank's end. Spreading a ₦2M fee across three days (₦700k each) often clears faster than a single large transfer — though Greengate will always advise if there's a better approach for your specific corridor.