Logo
Hero background graphic

USDT to naira rate today

See what your USDT is worth in naira right now, at the rate Swapto actually pays.

Download the app
Download on the App Store
Get it on Google Play

1 USDT is worth ₦1,345 on Swapto right now (1:20pm WAT). That's the naira you actually receive when you sell, not a global average. 100 USDT gets you ₦134,513, and 1,000 USDT gets you ₦1,345,130.

USDT to naira conversion table

What you receive at today's rate of ₦1,345 / USDT

USDTNaira you receive
1 USDT
₦1,345
10 USDT
₦13,451
50 USDT
₦67,257
100 USDT
₦134,513
500 USDT
₦672,565
1,000 USDT
₦1,345,130
5,000 USDT
₦6,725,650

How much USDT for a naira amount

Work backwards from the naira you need

Naira you wantUSDT to send
ngn_flag₦10,000
7.44
ngn_flag₦50,000
37.18
ngn_flag₦100,000
74.35
ngn_flag₦250,000
185.86
ngn_flag₦500,000
371.72
ngn_flag₦1,000,000
743.43
ngn_flag₦5,000,000
3,717.12

Why the USDT rate isn't the CBN rate

You'll usually see three dollar rates in Nigeria:

  1. 01

    Official rate (NFEM)

    Set by trading in Nigeria's official foreign exchange market and published by the CBN.

  2. 02

    Parallel-market rate

    What bureau de change operators and street traders charge.

  3. 03

    USDT rate

    USDT trades freely between people and platforms, so its naira price follows open-market demand for dollars. It often sits closer to the parallel rate than the official one.

Smiling woman with one hand on her head

Ready to sell your USDT?

Get ₦1,345 for every USDT, paid straight to your bank.

Sell USDTarrow_right_white

Frequently Asked
Questions

Swapto is a global platform for selling cryptocurrency and paying bills. Sell Bitcoin, USDT, Ethereum, Tron, Litecoin, and other coins for naira, with payment landing in your Nigerian bank account 5 to 10 minutes after you sell. You can also use your naira balance to top up airtime and data, and pay for electricity, DSTV, GOtv, and Startimes subscriptions. Swapto was formerly known as Dtunes.

Download the Swapto app from Google Play or the App Store. Complete a quick BVN verification in about 5 minutes. Send crypto to your Swapto wallet using the network shown in the app. Once confirmed, sell it for naira at the live rate and withdraw the naira to your linked Nigerian bank account in 5 to 10 minutes.

You can sell Bitcoin (BTC), Tether (USDT), Ethereum (ETH), Tron (TRX), Litecoin (LTC), BNB, USD Coin (USDC), and other popular coins. Each coin has its own deposit address inside the app. Always match the network shown in the app when sending from an external wallet.

Network confirmation times vary by coin. USDT on TRC-20 is typically the fastest, with 2 to 5 minute confirmation times, while Bitcoin may take 10 to 20 minutes. Once you sell, the naira lands in your Nigerian bank account 5 to 10 minutes after you sell. Airtime, data, and bill payments happen within seconds.

Swapto pulls live crypto prices from major exchanges and combines them with the current USD to naira parallel market rate. The rate you see when you confirm a trade is the exact rate that applies.

Yes. Swapto operates within Nigeria's regulatory framework through a licensed partner. We use bank-grade encryption, two-factor authentication, and BVN verification to protect accounts. The Central Bank of Nigeria lifted its 2021 crypto banking restriction in December 2023.

Every major Nigerian bank works, including GTBank, Access, UBA, Zenith, First Bank, Fidelity, Sterling, Union, Wema, and Ecobank. Digital banks such as Opay, PalmPay, Kuda, Moniepoint, VBank, and FairMoney are also supported. If the bank accepts NIBSS instant transfer, Swapto can pay it.

You can pay for electricity across Nigerian DISCOs, including Ikeja Electric, EKEDC, AEDC, and PHED. You can also pay for DSTV, GOtv, and Startimes, as well as top up airtime and mobile data on MTN, Airtel, Glo, and 9mobile. Payments and top-ups deduct from your naira balance after selling crypto.

Before you confirm a sale, the app shows the exact naira amount you will receive. Network fees charged by your sending wallet are separate and are paid to the network.

Yes. Complete BVN verification inside the app under Profile and Verification. Verification takes about 5 minutes and is required by Nigerian regulations. Unverified accounts have a ₦500,000 cumulative trade limit, while verified accounts unlock unlimited trade volume.

Yes. Your referral link is in the app, and the current rewards and rules are shown there.

You can contact Swapto support on WhatsApp at +234 811 337 2579 for the fastest response during business hours, email support@useswapto.com, or use the live chat available inside the app. Support typically responds on WhatsApp within 10 to 30 minutes during business hours.

Swapto App

Take Swapto
everywhere you go!

Freedom feels even better when it pays you back and you keep more of your money.

Download the app
Download on the App Store
Get it on Google Play

Every Swap just works

Download the app
Download on the App Store
Get it on Google Play