USA to OPay and PalmPay Wallets Only (Not Bank)
Sending Money from USA to OPay and PalmPay in 2026: Remitly vs TapTap Send vs LemFi In 2023, Nigerians moved ₦46.91 trillion through fintech apps like OPay, Moniepoint and PalmPay. Today in 2026, if your family uses OPay or PalmPay, you don't need to send to First Bank or GTB first - you can send directly to their OPay/PalmPay wallet number from USA and it lands in seconds. But CBN stopped USD cash pickup since Feb 2024 — every app now pays in Naira only, and new ₦50 EMTL levy started Jan 2026 for transfers above ₦10k. But not all USA apps handle OPay and PalmPay the same way. Since February 2024, CBN stopped cash pickup and USD domiciliary payouts for all money transfer operators. Every transfer now pays out in Naira only to bank accounts and licensed fintech wallets. That means OPay and PalmPay are fully supported, but fees, speed and real Naira value differ. Quick Comparison: USA to OPay / PalmPay 2026 Feature Remitly TapTap Send LemFi Transfer Fee USA → NG $3.99 - $6.99...