Dollar to Naira Rate Today, September 4, 2026

The official dollar to naira exchange rate today, September 4, 2026, is ₦1,324.79 for $1, based on the live USD/NGN reference rate provided by Abiwin.

The parallel or black-market market is trading higher, with the latest manually verified figures from Aboki FX, Talentbase.ng and Monierate showing dollar buying rates between ₦1,390 and ₦1,400, while selling rates range from ₦1,396 to ₦1,410 per US dollar.

Dollar to Naira Today

Exchange rate	USD/NGN
Official/live reference rate	₦1,324.79
Black market buy — lowest	₦1,390
Black market buy — highest	₦1,400
Black market sell — lowest	₦1,396
Black market sell — highest	₦1,410

How much is $1 in Naira today?

$1 = ₦1,324.79 at the official/live reference rate.

At the indicative black-market rate, $1 is approximately ₦1,390–₦1,410, depending on whether you are buying or selling US dollars and the dealer/source used.

Official Dollar Rate Today

The official/live USD to NGN reference rate is:

$1 = ₦1,324.79

This means:

$5 = ₦6,623.95
$10 = ₦13,247.90
$20 = ₦26,495.80
$50 = ₦66,239.50
$100 = ₦132,479.00
$200 = ₦264,958.00
$500 = ₦662,395.00
$1,000 = ₦1,324,790.00

These calculations use the official/live reference rate of ₦1,324.79 per dollar.

Black Market Dollar to Naira Rate Today

The latest available indicative parallel-market figures supplied for this report were updated on September 3, 2026, and are being used as the latest black-market references for September 4.

Aboki FX

Updated: September 3, 2026 at 21:03:13

Buy: ₦1,395 per $1
Sell: ₦1,405 per $1

Talentbase.ng

Updated: September 3, 2026 at 21:06:13

Buy: ₦1,400 per $1
Sell: ₦1,410 per $1

Monierate

Updated: September 3, 2026 at 21:13:13

Buy: ₦1,390 per $1
Sell: ₦1,396 per $1

Black Market Rate Compared With Official Rate

There is a noticeable difference between the official/live reference rate and the parallel-market quotations.

Using ₦1,405, the Aboki FX indicative selling rate, as an example:

₦1,405 − ₦1,324.79 = ₦80.21

So, the dollar is approximately ₦80.21 higher at that indicative parallel-market selling rate than at the official/live reference rate.

Using the same comparison, the parallel-market selling rate is approximately 6.1% above the official/live reference rate.

How Much Is $100 in Naira Today?

At the official/live reference rate:

$100 = ₦132,479

At the indicative black-market rates:

At ₦1,396: ₦139,600
At ₦1,405: ₦140,500
At ₦1,410: ₦141,000

Therefore, $100 is currently worth approximately ₦139,600–₦141,000 at the listed indicative parallel-market selling rates.

How Much Is $1,000 in Naira Today?

At the official/live reference rate:

$1,000 = ₦1,324,790

At the indicative black-market selling rates:

₦1,396 → ₦1,396,000
₦1,405 → ₦1,405,000
₦1,410 → ₦1,410,000

The difference between the official reference calculation and the ₦1,405 indicative selling rate is ₦80,210 per $1,000.

Dollar to Naira Black Market Summary

Source	Buy	Sell	Update
Aboki FX	₦1,395	₦1,405	Sept. 3, 2026
Talentbase.ng	₦1,400	₦1,410	Sept. 3, 2026
Monierate	₦1,390	₦1,396	Sept. 3, 2026

The lowest indicative buying rate is ₦1,390, while the highest is ₦1,400. For selling dollars, the listed rates range from ₦1,396 to ₦1,410.

Why Is the Black Market Rate Different?

The official/live reference rate and parallel-market rates represent different pricing environments. Exchange rates can vary because of differences in foreign-exchange liquidity, dollar supply and demand, transaction channels and market conditions.

The black-market figures should therefore be treated as indicative rather than guaranteed transaction rates. A dealer may offer a different rate depending on location, transaction size and the prevailing market at the time of the transaction.