There’s a particular kind of frustration most crypto owners in Nigeria know too well. When you have Bitcoin in your wallet, rates are looking great, time to convert, then it hits you, “which app can I use to withdraw Bitcoin to Naira without stories?”

You may have just gotten paid in BTC, or your trade just hit a major profit, I’m here to tell you for free that converting Bitcoin to Naira is now a walk in the park. 

These days, there are reliable apps Nigerians use daily to sell Bitcoin, receive Naira, and withdraw straight to their bank accounts, sometimes in minutes.

In this guide, I’ll show you:

  • The best apps to withdraw Bitcoin to Naira in Nigeria
  • How the withdrawal process works, step by step
  • What to watch out for so you don’t lose money or fall for scams

If you’re looking for a clear answer to which app you can use to withdraw Bitcoin to Naira, you’re in the right place.

Related:

What You Need Before Withdrawing Bitcoin in Nigeria

Before you withdraw BTC to Naira in Nigeria, there are a few basic things you must have in place. 

1. A Crypto App That Supports Bitcoin to Naira (NGN)

The first and most important requirement is a crypto app that allows you to convert Bitcoin to Naira. Not every international crypto wallet supports Naira withdrawals, which is why many Nigerians get stuck.

The app you choose should:

  • Support BTC → NGN conversion
  • Allow withdrawals to Nigerian bank accounts
  • Be trusted by Nigerian users

We’ll cover the best apps to withdraw Bitcoin to Naira later in this guide.

2. A Nigerian Bank Account or Fintech Wallet

To cash out Bitcoin in Nigeria, you need a place for your Naira to land. Most platforms support:

  • Traditional banks (GTBank, Access, Zenith, UBA, First Bank, etc.)
  • Fintech accounts (Opay, Kuda, PalmPay, Moniepoint)

Your bank account name must match the name on your crypto account to avoid delays or failed withdrawals.

3. Completed KYC (Identity Verification)

To withdraw Bitcoin to Naira legally and safely in Nigeria, most platforms require basic verification such as:

  • Full name
  • Government-issued ID (NIN, driver’s license, or international passport)
  • Selfie or facial verification

This is standard and helps protect users from fraud and chargebacks.

4. Your Bitcoin in the Right Wallet

If your Bitcoin is already on the app you plan to use, great. If not, you’ll need to:

  • Copy the Bitcoin wallet address from the app
  • Send your BTC from your external wallet (Trust Wallet, Ledger, etc.)

5. Stable Internet Access

This may sound obvious, but poor network is one of the biggest reasons transactions fail. Before selling Bitcoin or withdrawing:

  • Ensure you have good internet
  • Avoid rushing through confirmation screens

Top Pick:

7 Best Apps to Withdraw Bitcoin to Naira in Nigeria

  1. Breet
  2. Luno
  3. KuCoin
  4. Quidax
  5. Busha
  6. Roqqu
  7. YellowCard

If you want speed, low fees, simplicity, or more trading options, these are the top platforms Nigerians commonly use to convert Bitcoin into Naira.

1. Breet — Best for Instant BTC → Naira 

What it is:

Breet is designed specifically for Nigerians who just want to sell Bitcoin and get Naira in their bank account within minutes. This is why it’s been unofficially regarded as the best app to withdraw BTC to naira.

Why it’s great

  • Instant direct crypto-to-Naira conversion once your Bitcoin arrives (within 287 seconds)
  • No peer-to-peer negotiations. 
  • Very beginner-friendly if you just want Naira fast. 
  • Hold Crypto in USD

Best for: People who want the quickest and simplest cash-out experience.

2. Luno — Beginner-Friendly and Straightforward

Luno is one of the oldest crypto platforms used by Nigerians, known for its simple setup and support for naira deposits and withdrawals. 

Pros

  • Clean and easy interface for beginners. 
  • Offers features like Luno Earn for staking stablecoins. 

Cons

  • Fees (especially on instant buy/sell) can be higher compared to other options. 
  • Withdrawal speeds and fees vary. 

Related to Luno:

3. KuCoin — Best for Traders Wanting More Options

KuCoin is a global crypto exchange with tons of coins and features, but it’s not a direct Naira payout provider in Nigeria on its own. 

Pros

  • Huge range of cryptocurrencies and trading pairs. 
  • Advanced features for traders (spot, futures, staking). 

Cons

  • Cannot withdraw Naira directly to a Nigerian bank, you must route your crypto via third-party services or P2P first. 
  • Regulatory changes sometimes affect NGN support. 

Related to KuCoin:

4. Quidax — A Local Exchange with Naira Support

Quidax is a crypto exchange built with African users in mind, offering Naira deposits and withdrawals directly. 

Pros

  • Naira on-ramp and off-ramp via bank transfer and vouchers. 
  • Intuitive interface and support for many popular cryptos. 

Cons

  • Fees vary depending on the service and network. 
  • Fewer advanced trading tools than big global exchanges. 

Related to Quidax:

5. Busha — Regulated Nigerian Exchange

Busha is a Nigerian cryptocurrency exchange licensed locally, making it a safe choice for users who want to withdraw Bitcoin directly to their bank account in Naira. 

Pros

  • Transparent fees and competitive exchange rates. 
  • Supports multiple cryptocurrencies, including BTC, ETH, and USDT. 

Cons

  • Limited advanced trading tools.
  • Limited staking, card, or ecosystem features. 

Related to Busha:

6. Roqqu — Easy and Local-Focused

Roqqu is a Nigerian-friendly crypto app that supports buying, selling, and withdrawing to Nigerian bank accounts. 

Pros

  • Designed for African users with Naira support. 
  • Fast deposits and withdrawals

Cons

  • Some users report occasional withdrawal delays and customer service issues. 
  • Fees can be higher than some other exchanges. 

7. Prestmit — Simple and Accessible

YellowCard is a growing option in Nigeira for straightforward buying and selling of Bitcoin using bank transfers or mobile money. 

Pros

  • Easy and user-friendly flow 
  • Supports local payment methods and multiple cryptocurrencies. 

Cons

  • Limited number of assets.
  • Sometimes rates might be less competitive. 

Quick Comparison: Best Apps to Withdraw Bitcoin to Naira in Nigeria

Platform Direct Naira Withdrawal? Fees  Speed Best For
Breet Yes — direct NGN payouts Low Within 287 seconds Instant and simple BTC → Naira
Luno Yes Medium (higher on instant) Fast Beginners who want simplicity
KuCoin Not direct (P2P/third-party) Low to Medium (trading + withdrawal costs) Depends on P2P timing Traders + wide coin access
Quidax Yes Medium Fast Local exchange with official compliance
Busha Yes Medium Fast Secure and regulated withdrawals
Roqqu Yes Medium Fast Local-focused with direct NGN support
Prestmit Yes Low-Medium Fast Beginner friendly, Nigerian focus

Step-by-Step Guide: How to Withdraw Bitcoin to Naira Using Breet

Breet

If you’re looking for a simple way to withdraw Bitcoin to Naira in Nigeria, Breet is one of the easiest apps to use. 

Here’s exactly how the process works.

Step 1: Create and Verify Your Account

Download the Breet app or visit the website and sign up with your email address. To withdraw Bitcoin to Naira, you’ll need to:

  • Complete basic identity verification (KYC)
  • Add and verify your Nigerian bank account

This usually takes just a few minutes.

Step 2: Select Bitcoin (BTC) as the Asset You Want to Sell

Once logged in:

  • Choose Bitcoin (BTC) from the list of supported cryptocurrencies
  • Select the option to sell or convert

Breet will automatically show you the current conversion rate from Bitcoin to Naira.

Step 3: Send Bitcoin

Breet will generate a unique Bitcoin wallet address for your transaction. Send the amount of Bitcoin you want to withdraw to your wallet address.

After sending:

  • The transaction will appear as pending
  • Once confirmed on the blockchain, Breet automatically converts your Bitcoin to Naira

Step 4: Receive Naira in Your Bank Account

After confirmation:

  • Your Naira is credited to your Breet wallet
  • Breet sends the money directly to your linked Nigerian bank account within 287 seconds.

If your main concern is searching which app to withdraw Bitcoin to Naira without stress?, Breet is often the easiest answer.

Direct Withdrawal vs P2P: Which Is Better for Nigerians?

which app can i use to withdraw bitcoin to naira

If you’ve been asking yourself “Should I use P2P or a direct withdrawal app to cash out Bitcoin in Nigeria?”, you’re not alone. Many Nigerians used to rely on P2P platforms, but today, direct withdrawal apps like Breet and Luno make life much easier. Let’s break it down.

1. Speed Comparison

  • Direct Withdrawal Apps
    • Funds often reach your Nigerian bank account within minutes to a few hours
    • No need to wait for a buyer to confirm payment
  • P2P Platforms
    • Withdrawal speed depends on finding a buyer
    • Escrow verification and manual bank transfers can add 30–120 minutes or longer.

2. Risk Level

  • Direct Withdrawal Apps
    • Transactions are automatic and escrow-free, reducing the chance of scams
    • No dealing with unknown buyers or fake proof-of-payment (POP)
  • P2P Platforms
    • You are responsible for ensuring the buyer pays
    • Fake POPs and scams are common if you’re inexperienced

3. Best Option for Beginners vs Experienced Users

  • Direct Withdrawal Apps
    • Direct apps like Breet are perfect for beginners and experienced users: simple interface, clear instructions, direct Naira deposit
  • P2P Platforms
    • With the rise of direct withdrawal apps offering competitive rates, even advanced users are choosing speed and convenience over tiny gains.

Read Also:

Bitcoin Withdrawal Fees Explained: What Nigerians Should Know

best app to withdraw bitcoin to naira

One of the first questions anyone asking “which app can I use to withdraw Bitcoin to Naira?” will have is: “How much will it cost me?”

Bitcoin withdrawal fees in Nigeria can vary and understanding these fees upfront helps you get more Naira for your Bitcoin.

1. Platform Fees

Most exchange platforms charge a fee for converting Bitcoin to Naira. Some charge a flat fee, others a percentage of your transaction. 

2. Network Fees

Bitcoin transactions rely on the blockchain, which requires miners to confirm transfers. Network congestion can increase fees dramatically.

Most apps handle network fees automatically, but some P2P or global platforms may pass the cost to you.

3. Hidden Fees

Some hidden fees to watch out for when converting Bitcoin to Naira are:

  • Exchange rate markups (the difference between BTC market price and the rate the app offers)
  • Extra charges on instant sell options
  • Third-party P2P intermediaries (if you’re not using a direct app)

Related:

Tips for Safe and Cost-Effective Bitcoin Withdrawals in Nigeria

Withdrawing Bitcoin to Naira in Nigeria is straightforward, but small mistakes can cost you money or delay your funds. These tips will help you withdraw safely and get the best value for your Bitcoin.

1. Always Compare Rates Before You Sell

Bitcoin prices change fast, and exchange rates differ from app to app. Before you withdraw, check at least two platforms, and ensure you confirm the final Naira amount you’ll receive, not just the BTC price

2. Double-Check Wallet Addresses Before Sending Bitcoin

One wrong letter or number in a Bitcoin address and your funds are gone. Before you send BTC, copy and paste the wallet address, confirm it matches exactly, and send a small test amount if it’s a large transaction

3. Use Trusted Apps Nigerians Already Use

If an app is popular in Nigeria, there’s usually a reason. Stick to well-known platforms with Nigerian users, apps that support Naira withdrawals, and ensure they have clear customer support channels

4. Withdraw to a Bank Account in Your Own Name

Most crypto apps require that your crypto account name and your bank account name match exactly. Using someone else’s account can lead to delayed withdrawals, reversed payments, or account restrictions.

5. Watch Out for Hidden Fees

Some platforms advertise “low fees” but charge through poor exchange rates, high network fees during congestion or extra withdrawal charges.

6. Avoid Withdrawing During Network Congestion

Bitcoin network fees increase during busy periods. If it’s not urgent, you can withdraw during off-peak hours, monitor confirmation times, and choose platforms that handle network fees transparently

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Frequently Asked Questions on How to Withdraw Bitcoin to Naira in Nigeria

Which app can I use to withdraw Bitcoin to Naira in Nigeria?

You can withdraw Bitcoin to Naira in Nigeria using apps like Breet, Luno, and global platforms like KuCoin. If you want a direct option, apps like Breet allow you to convert Bitcoin and receive Naira straight into your Nigerian bank account instantly.

Can I withdraw Bitcoin directly to my Nigerian bank account?

Yes. Several crypto apps allow you to withdraw Bitcoin to Naira and send it directly to your Nigerian bank account within minutes.

How long does it take to withdraw Bitcoin to Naira?

Withdrawal time depends on Bitcoin network confirmations, the app you’re using, and your bank’s processing speed. On most Nigerian-friendly platforms, Bitcoin to Naira withdrawals take anywhere from a few minutes to a few hours once the transaction is confirmed.

Do I need verification (KYC) to withdraw Bitcoin in Nigeria?

Yes. Most apps require basic identity verification (KYC) before allowing Bitcoin to Naira withdrawals. This usually includes your name, a valid ID, and a selfie.

Can I withdraw Bitcoin without using P2P?

Yes. If you prefer not to use P2P, you can use apps that offer direct Bitcoin to Naira conversion, such as Breet, Luno, and YellowCard. These platforms remove the need to interact with buyers.

Why did my Bitcoin to Naira withdrawal fail?

Common reasons include incorrect wallet address, unverified account, bank account name mismatch, or network congestion. Always ensure your details are correct before initiating a withdrawal.

Can I withdraw small amounts of Bitcoin to Naira?

Yes. Most platforms allow small withdrawals, though there may be minimum withdrawal limits and network fees that affect small transactions.

Conclusion on Best Apps to Withdraw Bitcoin to Naira

If you’ve been wondering which app you can use to withdraw Bitcoin to Naira in Nigeria, the truth is, there are several safe and reliable options, and the process is far simpler than it used to be.

The most important thing is to use trusted platforms, double-check your details, and take a few seconds to compare rates before selling. When you do that, withdrawing Bitcoin to Naira becomes just another everyday transaction.

If you’re ready to cash out your Bitcoin today, pick one of the platforms mentioned above and get started. Your Naira is just a few steps away!

 

Author

  • Aderunsola Badero

    Aderinsola is an SEO content writer with over three years of experience creating engaging content across diverse niches.

    She enjoys research and reading, and her love for simplicity shines through in both her lifestyle and writing style.