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Why Is My Transfer to Nigeria Delayed / Pending? Fast Fix (2026)

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LemFi, Sendwave, Wise, Remitly and TapTap Send: Why Your UK & USA Transfer to Nigeria Is Stuck on Pending and How to Fix It in 24 Hours If you sent money home and it's still showing "pending," I know how that feels. Your phone is ringing, mama is asking "have you sent it?", and you're staring at the app not understanding why the money hasn't moved. Breathe. In almost every case, pending does not mean lost. It usually means the app or the bank is still checking something. As founder of UK to Naija Guide, I am based in Nigeria, so I have not personally sent money from the UK or USA side myself. What I did instead: I spoke with 12 Nigerians in London, Manchester, and Houston who use LemFi, Sendwave, Wise, Remitly, and TapTap Send regularly, I read through the official help centers of each app, and I went through real complaints on Trustpilot and Reddit to see what actually causes delays and what actually fixes them. This post is what I found. 7 Co...