Finance· 4 min read
Naira to CAD: the FX trap that ate 18% of a client's life savings in 2025
Black-market vs official rates, Wise vs Lemfi vs bank, and what to actually do with your relocation pot.
Don't move $20k in one wire. Stagger across 4-6 weeks, average your fx exposure, and never use a Tier-1 bank for outbound transfer fees. Wise and Lemfi remain the cleanest rails in 2026.
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