Naira and USDT, worked out
Type in either box. The other one fills itself at the best rate on the board right now.
The same amount at every exchange
100 USDT, priced by each one| Exchange | Buy 100 USDT | Sell 100 USDT | Per 1 USDT |
|---|---|---|---|
| Bybit | ₦147,000 | ₦138,570 | ₦1,470.00 |
| OKX | ₦138,951 | ₦138,950 | ₦1,389.51 |
| Bitget | ₦137,500 | ₦137,500 | ₦1,375.00 |
| Quidax | ₦138,922 | ₦138,025 | ₦1,389.22 |
| Luno | ₦139,115 | ₦138,971 | ₦1,391.15 |
Which column do I use
If you are handing over naira and receiving USDT, use buy. If you are handing over USDT and receiving naira, use sell. Buy and sell quotes can differ by source, market conditions, liquidity and timing. and that is not an error: the gap between them is how the merchant on the other side earns.
Why the final figure will not match exactly
Peer to peer prices move minute to minute, and every exchange takes its own fee when the money leaves. Treat what you see here as a comparison estimate and confirm the final amount on the exchange before you commit to anything.
How to use the calculator responsibly
Start with a small test amount when you are unfamiliar with a marketplace. Check the displayed merchant limit, payment method and total fee before increasing the order. The calculator does not know your account balance, payment rail, merchant eligibility or the final fee charged by a third-party exchange.
Example: buying versus selling
If you are buying 100 USDT, the calculator uses the current best buy rate to estimate the naira you would need. If you switch to selling, it uses the current best sell rate to estimate the naira you would receive. Those rates are intentionally different because buying and selling are different sides of the market.
Why a comparison is more useful than one rate
A single rate can look precise while hiding the source, its age and its order limit. NairaRate keeps the source visible and lets you compare the same amount across the exchanges that are currently returning data.