$ USD to Naira Rate History
The dollar-naira rate steps, it does not drift. Watch the window below — it opens seeded from this site's own recorded snapshots, then fills with the live rate your device fetches on each visit. Every point is real and timestamped; nothing is backfilled or invented.
USD → NGN · 12 reference points (build-seeded)
₦1,330
▲ ₦3 (0.2%) across the window · low ₦1,327 · high ₦1,331
Build-time reference points · through 16 Oct 2026, 00:02 UTC
Your numbers stay in this browser. Nothing you type here is sent to us — no salary, rent, income or savings figure is transmitted, logged or visible to anyone. Your numbers are not kept between visits unless you switch on Remember my numbers on this device above; with it on, this calculator remembers your figures for next time, and on a shared or public computer the next person could see them. Reset clears this calculator; Clear my saved numbers clears every calculator on this site.
Build-seeded from recorded snapshots through 16 Oct 2026, 00:02 UTC · your device adds the live rate each visit
Seed points are recorded build-time from an open FX feed; live points are fetched and kept on this device only. They are not a quote and do not constitute financial advice. Confirm the live rate before any transaction.
How to read the USD to naira trend
The line above plots the number of naira one $ buys on each recorded day. When the line rises, the naira is weakening (your naira buys fewer USD); when it falls, the naira is strengthening. The stat strip summarises the change: the 30-day figure tells you whether the last month has moved in your favour or against it.
A falling USD-to-naira line is good news if you buy foreign currency for tuition, travel or imports, you need fewer naira. It is bad news if you earn naira and hold foreign savings, or if you run a business that imports. The converse is true when the line climbs. The trend is how you size the risk before you move money.
Why the naira moves in steps, not smoothly
The official USD/NGN rate does not drift continuously, it adjusts in steps around FX-policy decisions, currency-supply changes and market demand. That is why the chart shows distinct points joined by straight lines rather than a smoothed curve: each point is a real recorded rate for that date, and the gaps between them are exactly where the market held steady before stepping again.
This is why the daily movement can look small while a month or a quarter shows a meaningful shift. A 30-day view smooths out the daily noise; a 90-day or 1-year view reveals the underlying direction. For someone planning a large transfer or a dollar-denominated purchase, the longer window is the one that matters, the daily spread is noise, but the trend decides your cost.
Official rate vs the street rate in the trend
This chart tracks the official mid-market rate. When USD is the base, the parallel (street) rate trades at a spread above it, use the converter's "Parallel market" toggle to see that estimate alongside. Tracking both over time is how experienced Nigerians read where the real cost of foreign exchange is heading.
The gap between the official and parallel rate is the practical cost of limited dollar supply. A widening gap usually signals tighter supply or higher demand; a narrowing gap suggests the market is easing. If you plan to convert naira in the near term, checking both the trend and the current spread tells you whether to move now or wait.
How to use the history chart to time a transfer
Read the 30-day change first: is the naira gaining or losing ground against this currency? Then switch to the 90-day or 12-month view to confirm the trend is real and not a short-term wobble — those windows only draw the days your device has actually recorded, so they fill in the longer you keep visiting. Finally, compare against the parallel rate in the converter. Nobody can call the exact bottom, but the combination of a real trend and a realistic spread tells you whether converting today is a fair deal or an expensive one.
Rate history questions
Is this the rate my bank will give me?
No, this is the official mid-market rate. Banks, bureaux and platforms add a margin on top, and the parallel market trades higher. Use the main converter to get the live figure.
Questions
Where does the history come from?
The chart is seeded at build time from this site's own recorded USD/NGN snapshots — real, dated reference points captured from the same live feed the converter uses, with nothing invented. On each visit your browser fetches the current rate and adds today's point in this browser's storage, extending the seed forward. That device-collected part lives only in this browser, so it does not follow you to a new phone, another browser or a private window; the seed is the same everywhere and regenerates at build.
Which windows can I view?
30 days, 90 days, or 12 months — the windows that matter for sending, pricing, and holding decisions. You can pick any window from the very first visit; it draws the build-time seeded points plus the ones your device has recorded on top, and device points older than 12 months age out automatically.