Last reviewed: · Curated by Ohmyfin Organisation editorial.
The United Kingdom → Nigeria corridor (GBP → NGN) settles in 2–5 business days. This guide covers timing, costs, the correspondent banks involved, and how to track any payment in real time on Ohmyfin.
Speed: 2–5 business days. SWIFT GPI same-currency payments inside this corridor often settle in minutes; cross-currency payments going through a USD or EUR intermediary add 6–24 hours.
Cost: GBP 20–45 wire fee + ~2.5–4.5% FX spread. The wire fee comes from your bank; the FX spread is the difference between the mid-market rate and the rate the bank gives you. SWIFT GPI fee transparency rules now require participating banks to publish their fees up front.
Routing: Compliance-heavy corridor; expect 24–48h sanctions screening. Provide complete originator + beneficiary KYC to avoid PDNG holds.
Tracking: every payment in this corridor carries a 36-character UETR (Unique End-to-end Transaction Reference). Paste the UETR into the Ohmyfin homepage tracker and you will see the latest available SWIFT status in seconds — including which correspondent bank holds the funds, when they were credited, and any rejection reason code.
2–5 business days. SWIFT GPI ensures most payments are credited the same business day, but compliance screening, missing data and time-zone cut-offs can extend it.
GBP 20–45 wire fee + ~2.5–4.5% FX spread. Choose charges instruction OUR (originator pays all) for predictable amounts on the receiving side.
Most often: compliance screening at a USD/EUR intermediary, time-zone cut-off, or missing originator/purpose data. Track the UETR on Ohmyfin to see exactly which bank is holding it.
Paste the 36-character UETR (from your MT103 or pacs.008 confirmation) into the Ohmyfin tracker. Latest available SWIFT status — settled, in flight, pending or rejected — in seconds.
No card needed. Free for ordinary users — 5 IP-based lookups per day, plus 100 credits instantly when you sign up with email. Use them on any international wire across 11,000+ banks.
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