Nigeria Settlement Hub · Preview
Moving in Nigeria,
finally made structured.
Safety, costs and local services across 18 cities — what we are building, in the open.
What describes your move?
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Track A
Return home
Diaspora return, end to end
Track B
Move cities
Interstate relocation
Track C
Settle in Nigeria
Expat: CERPAC and beyond
Track D
Fast setup
Contracts and short stays
The problem
Moving in Nigeria is harder
than it should be.
220 million people. One of Africa's largest migration flows. No structured platform to navigate it, until now.
In 7 Nigerian states, over 40% of residents are internal migrants, every one had to figure it out alone.
Source: IOM Nigeria, 2024
Exploitation
Fake listings, unverified agents, and landlords who know you're new. Naija Atlas is being built so that no agent reaches a result without passing the published standard first.
Information fog
City knowledge lives in WhatsApp groups and outdated blogs. Naija Atlas is organising it into one place, neighbourhood by neighbourhood, with the date attached to every figure.
Safety blind spots
Security risk and flood zones vary by neighbourhood and change regularly. Naija Atlas surfaces this before you sign, not after.
How it works
From first visit to fully settled.
You see your roadmap before you create an account.
Tell us your move
City, type, timeline. 90 seconds.
Persona picker5 questions
Builds your personalised roadmap.
WizardSee your roadmap
Stages and urgent tasks, before sign-up.
No account yetCreate account
Google or email. 30 seconds.
FreeYour dashboard
Tasks, safety and costs in one place.
FreeSafety & intelligence
Know before you commit.
Not after you've signed.
The most costly Nigerian relocation mistakes happen before arrival. Naija Atlas surfaces the right intelligence at the right moment.
Neighbourhood-level, specific, and carrying the date it was gathered. Built from community reports. Signed-in users only, never publicly indexed — an area's reputation is not something to publish to search engines.
NEMA and NIMET data cross-referenced with community reports. Properties in flood-prone areas flagged automatically.
Restaurants, leisure, beaches — recommended by people who actually live there. No sponsored listings.
Compiled from community reports, NEMA and NIMET
How Naija Atlas stays current
A system that watches Nigeria
on your behalf.
Your dashboard updates automatically, you never have to ask if the data is current.
Safety
NEMA incident data and community reports reviewed. Profiles to update when something changes.
Planned
Flood risk
NIMET seasonal data cross-referenced with community reports. Lagos Apr to Jul. Abuja Jul to Sep. PH May to Oct.
Rainy season
Costs
CBN rates and community cost reports checked. Estimates to update when prices shift significantly.
Planned
Task priority
Urgent tasks surface earlier when external conditions change, a flood warning, a policy update, a deadline shift.
Event-triggered
All data is sourced and dated. Safety profiles are authenticated users only, never indexed publicly.
Verification standard
What we will check,
published before
we check anybody.
Finding a bad agent is annoying. Finding a bad hospital is dangerous, so the depth differs by category. This is the standard a provider will have to meet to be listed — not a claim that any of them has.
Healthcare
The deepest tier, because finding a bad agent is annoying and finding a bad hospital is dangerous. Capability, not just registration.
Standard: deepestA physical site visit
MDCN registration
Blood bank, ICU and emergency capability, stated on the record
Which international insurers are accepted
No provider has been through this yet. Listings will carry the date they were checked and what was checked.
Schools
For families, school choice drives where they live. The criteria cover what a parent has to ask on a call they cannot make from abroad.
Standard: accreditationCurriculum offered: British, American, Nigerian, IB
WAEC/NECO or international accreditation
Published fee ranges and current waiting lists
Safety of grounds and school transport
No provider has been through this yet. Listings will carry the date they were checked and what was checked.
Agents & services
Housing agents, lawyers, generator suppliers, ISPs, movers — the category where newcomers lose money most often.
Standard: identity & referencesCAC registration
A business account in the registered name
Independent client references
Community ratings, with a route to report fraud
No provider has been through this yet. Listings will carry the date they were checked and what was checked.
Cost planner
Know what your move costs. In Naira.
Adjust city, move type, and lifestyle, see your monthly estimate instantly.
₦315,000
estimated monthly · Lagos
Full planner with neighbourhood breakdown unlocks in your dashboard.
Lagos is 28% more expensive than Port Harcourt for mid-range living.
City comparison
Mid-range lifestyle · 1-bed flat.
City intelligence
18 Nigerian cities.
Start with the three largest, or explore all 18.
Commercial capital. Nigeria's highest opportunity and most complex city to navigate.
Political capital. Structured and planned, more predictable than Lagos.
Oil & gas capital. Largest expat and contract population outside Lagos.
Navigate Nigeria
The regulatory landscape, decoded.
CAC, FIRS, CBN, NIPC. Nigeria's regulatory bodies are not optional, they are the foundation of a legitimate presence here. Understand what applies to you before you land.
Business Registration (CAC)
Every business operating in Nigeria, including diaspora-funded ventures, must be registered with the Corporate Affairs Commission. A valid CAC certificate is required for BOI loans, SMEDAN grants, and any formal banking relationship.
1Reserve your business name on the CAC portal (bizportal.gov.ng)
2Submit memorandum and articles of association
3Pay stamp duty and filing fees
4Receive RC number and incorporation certificate
Standard processing: 5 to 10 working days. Expedited available.
Tax Obligations (FIRS)
The 2025 Nigeria Tax Act introduced significant changes to how returnees and diaspora investors are taxed on foreign-sourced income. If you earn abroad and invest in Nigeria, your obligations are not the same as a resident employee. Know the difference before your first remittance.
1Register for a Tax Identification Number (TIN) at FIRS or any partner bank
2File annual returns even if your income is foreign-sourced
3Understand Pioneer Status Incentives if operating in qualifying sectors
The 2025 Tax Act changed the treatment of diaspora remittances. Verify your obligations with a CITN-registered tax consultant.
Foreign Investment Protection (NIPC)
The Nigerian Investment Promotion Commission provides legal protection for foreign and diaspora investors, including capital repatriation guarantees. NIPC registration is not mandatory but gives you recourse if disputes arise with local partners or government bodies.
1Apply through the One-Stop Investment Centre (OSIC) in Abuja
2Receive NIPC certificate and investor number
3Access Pioneer Status and sector incentives via NIPC portal
NIPC-registered investors can repatriate profits and capital without CBN bottlenecks.
Securities & Financial Regulation (SEC)
If you are investing in Nigerian equities, bonds, REITs, or any capital market instrument, your broker or platform must be SEC-licensed. The 2025 Finance Act introduced new incentives for capital market participation by diaspora investors, including reduced withholding tax on dividends.
1Verify your broker or platform is listed on sec.gov.ng
2Open a CSCS (Central Securities Clearing System) account
3Fund via a domiciliary account for FX-linked returns
Do not use unlicensed investment platforms. SEC has a published blacklist. Verify before sending funds.
Investment Intelligence
Build wealth in Nigeria. From anywhere.
$20.5 billion in diaspora remittances flowed into Nigeria in 2025. A growing share is becoming investment capital, not just consumption. These are the sectors and structures that are working in 2026.
Lekki, Ibeju-Lekki Corridor
The corridor is being shaped by two pieces of public infrastructure: the Lekki Deep Sea Port and the Lagos-Calabar Coastal Highway. That is why it draws diaspora money. What any individual plot or off-plan estate does from here is not something anybody can tell you in advance, and the title is the part that decides whether you own what you paid for.
Renewed Hope Housing Estates
Federal Government diaspora-targeted housing programme with single-digit mortgage rates via the Federal Mortgage Bank of Nigeria. Investors can contribute in foreign currency and access mortgage facilities remotely.
Real Estate Investment Trusts (REITs)
SEC-regulated, hands-off exposure to Nigerian property income. REITs listed on the Nigerian Exchange Group allow diaspora investors to earn rental yields without direct property management or the title fraud risk of direct land purchase.
Regulatory and funding bodies
NIPC
Nigerian Investment Promotion Commission. Legal protection and OSIC facilitation for foreign and diaspora investors.
nipc.gov.ngBOI
Bank of Industry. Nigeria's largest DFI. Single-digit SME loans, GLOW fund, AfDB-backed 2026 facility.
boi.ngSMEDAN
SME Development Agency. Grants, capacity building, and BOI joint nano-enterprise fund at single-digit rates.
smedan.gov.ngSEC Nigeria
Securities and Exchange Commission. Regulates all capital market activities. Verify all brokers here before investing.
sec.gov.ngNaija Atlas is in preview. The bodies, schemes and programmes here are listed because they exist and are relevant, not because SettleEasy has checked them — the verification process is still being built and nothing on this page has been through it. Figures are indicative, carry the date they were gathered, and are not forecasts of what any investment will return. This is not investment advice. Confirm every figure with the body itself and take independent professional advice before committing money.
Money Intelligence
Move money into Nigeria without losing it.
CBN's 2025 forex unification collapsed the official-to-parallel rate gap from 62% to under 5%. How you move money still determines how much arrives. The rates below carry the date they were taken; check the live rate on a provider's own calculator before you send.
Remittance platforms, compared
LemFiBest rate
Within 1% of CBN
Zero transfer fee
Best rate-to-fee combination for most corridors. Nigeria diaspora favourite.
WiseTransparent
Mid-market rate
Upfront fee shown
Resumed Nigeria transfers in 2024. Transparent fees. All major banks via NIBSS.
RemitlyWidest reach
Competitive
Variable
400+ Nigerian banks, MFBs, OPay, PalmPay, Moniepoint. Best for rural recipients.
Grey FinanceNear-CBN
Near-parallel rate
USD, GBP, EUR accounts
Ideal for freelancers and remote workers receiving foreign income into Nigeria.
CBN 2025 IMTO rule, what changed
1All incoming remittances must now settle in naira through licensed Nigerian banks. You can no longer receive USD directly from abroad via IMTO channels.
2The sending platform converts at the official NFEM rate. Your naira equivalent lands in your Nigerian bank account.
3The official-to-parallel gap is now 3 to 5%, down from 62% in May 2023. The cost of the new rule is far lower than it once would have been.
4For investment capital, use a domiciliary account (USD, GBP, EUR) at a Nigerian bank. This lets you hold foreign currency domestically and convert at a time of your choosing.
Reducing your transfer cost
1Use LemFi or Grey for regular income transfers. Traditional bank wires apply 4 to 8% markups plus $25 to $45 in fees.
2Hold dollars in a domiciliary account for investment capital, not in your sending country. This protects against conversion at the wrong time.
3Batch transfers where possible. Larger amounts benefit more from fee caps. Frequent small transfers compound the cost.
4Do not use parallel market dealers for large transfers. CBN enforcement has increased significantly since 2025.
Rates shown are CBN official as of August 4, 2026. Remittance platform rates vary daily. Always verify the exact rate on the provider's calculator before sending. Naija Atlas is not a financial service and does not earn from remittance referrals.
Neighbourhood Intelligence
Beyond the city. Know your area.
Lagos is not one city. Abuja is not one neighbourhood. Area-level intelligence on infrastructure, security, and cost is the difference between a smooth landing and an expensive lesson.
Lekki Phase 1
High-end residential. Strong expat and returnee concentration.
Maitama
Embassy district. Most secure area in the FCT.
GRA Phase 2
Oil sector residential hub. Established infrastructure.
Naija Atlas is in preview. These area profiles are illustrative, drawn from public sources and community reports, and the ratings stand in for a method the pilot has yet to publish. They are not a safety assessment and should not decide where you live — ask people who live there, and visit if you can. Area profiles for all 18 cities are planned, not available yet.
Schools and Hospitals
Know your options before you arrive.
For families relocating, two questions come before everything else: where will my children go to school, and which hospital do I use in an emergency? These are answered before you land, not after.
British International School, Lagos
International curriculum · Lekki
British National Curriculum, Years 1 to 13
IGCSE and A-Level examination centre
Application window: January to April annually
Fees: ₦4.5m to ₦9m per term (varies by year)
American International School, Abuja
International curriculum · Abuja
US curriculum, PreK to Grade 12
Advanced Placement (AP) courses available
Accredited by Middle States Association
Priority enrolment for diplomatic and returnee families
Greensprings School, Lagos
Nigerian premium curriculum · Anthony Village and Lekki
WAEC, NECO, and Cambridge pathway
Strong IB foundation programme
Widely regarded as top Nigerian curriculum school
Fees: ₦1.8m to ₦3.2m per term
Naija Atlas is in preview. These schools and hospitals are examples of what the directory is intended to cover; none has yet been through a SettleEasy check, and being listed here is not a recommendation or a statement about quality. The pilot will publish what gets checked, by whom, and how often, and listings will carry the date they were checked.
Community
Someone who made your move
The hardest questions about a move are the ones only somebody who has already made it can answer: which estate floods, what the landlord actually asked for, how long the paperwork really took. Naija Atlas is being built to match you with that person by city, move type and stage — not with a general forum.
The network is not open yet. Join and you will be matched as people in your city sign up.
Your Nigerian journey, finally structured.
18 cities, area-level information, and a peer network being built city by city.
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