CBN cuts small transfer fees but senders now pay ₦60 on transfers above ₦10,000

April 27, 2026 TechCabal nigeria 650 words

TL;DR

The CBN's draft April 2026 guide eliminates transfer fees below ₦5,000 and reduces mid-tier fees (₦5k–₦50k) to ₦10, but reintroduces stamp duty meaning senders pay a combined ₦60 on transfers above ₦10,000, up from ₦25 previously.

Nigeria scrapped the Electronic Money Transfer Levy (EMTL) and replaced it with stamp duty, shifting the ₦50 charge from receiver to sender, making mid-to-high value transfers noticeably more expensive to initiate despite the headline fee cuts.

PoS withdrawal fees also get a formal structure: ₦100 per ₦20,000 withdrawn, a significant reduction from the current informal rate of up to ₦100 per ₦5,000.


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