The Cheapest Ways to Send Money to Nigeria, Ghana, and Kenya This December

December is when international transfers quietly become more expensive. School fees need settling before the new year. Rent and bills don’t wait for January. Families prepare for travel, food, and celebrations. For people sending money to Nigeria, Ghana, or Kenya from abroad, December often means sending more, and sending more frequently.

Traditional transfer options respond the only way they know how: slower settlements, higher fees, and worse exchange rates. What usually costs a few dollars suddenly eats deeper into the amount you’re trying to send. 

The cheapest way to send money during this period is about using a tool that moves money directly, avoids unnecessary intermediaries, and settles quickly, even at peak demand. That’s why more people are turning to digital assets like USDT and BTC as a settlement layer, and  Bitnob makes it easy to send globally and withdraw in local currency across Nigeria, Ghana, and Kenya.

In this guide, we break down the most cost-effective ways to send money this December, and why using Bitnob helps you keep more of what you send.

Bitnob: Making Cross-Border Payments Easy

Bitnob has made cross-border payments easy by removing the barriers that complicate the transfers. With the Bitnob App, you can easily send and receive money from Nigeria to Ghana or other African countries right on the App. Here’s how Bitnob makes it easy…

1. Instant Transfers

2. Zero Fees

3. Highly Convenient

4. Enhanced Security

5. Global/Wider Reach

The Cheapest Ways to Send Money to Nigeria, Ghana, and Kenya on Bitnob

• Tap on the “Transfer” button on the Quick Links section of the homepage
• Tap on “Transfer to Bank or Momo.”
• Tap on “Change currency” to select Ghana or the African country of the account/mobile money wallet you want to transfer money to
• Fill out the amount you’d like to transfer, then tap on “Continue.”
• Select the account or mobile money provider and fill out the details of the account you want to send money to. If this person is someone you intend to send money to often, then tap on “Save as beneficiary” to make the person a beneficiary. 
• Tap on “Proceed to Transaction Note” to add a note on the transaction
• Review the transaction summary and then tap on “Proceed” to initiate payment to the account or mobile money wallet. 

Final Thoughts

When you’re sending money to Nigeria, Ghana, or Kenya in December, every delay and every extra charge matters.

Bitnob offers a simpler and more affordable way to move money across borders, helping more of what you send reach home when it’s needed most.

If you’re sending money this December, choose a method that respects both your time and your money. Download the Bitnob App to start now.