Cash and ATMs
Nigeria runs on naira, and prices in this guide are converted to $ for planning. ATMs at GTBank, Zenith and First Bank on Admiralty Way dispense reliably with foreign cards; withdrawal limits are typically the local currency equivalent of $50-$100 per transaction, and fees run $5. Bring $200-$300 in fresh USD hundreds as backup; bureaux de change on Adetokunbo Ademola in VI give the best street rate.
Cards and mobile money
Hotels, restaurants above about $10 a head, and supermarkets take Visa and Mastercard. Amex is rarely accepted. POS machines fail often; always have cash backup. Foreign contactless works at most terminals. Do not use random street POS agents for withdrawals; stick to bank ATMs.
Tipping
Restaurants add a 5-10 percent service charge; extra tipping is optional but appreciated at $2-$5 for good service. Hotel porters get $2 a bag. Drivers and boat captains: $5-$10 for a half day, $10-$20 for a full day. Parking touts and beach security get $1-$2. Never tip in a way that looks like it is required; agree on car and boat prices before you get in.
Bon à savoir
Can I pay in $ in Lekki?+
Some hotels and higher-end restaurants take $ at a bad rate. Better to change USD to local currency at a bureau in VI and pay locally.
Are prices negotiable?+
At markets, beach vendors and unmetered taxis, yes. At restaurants, supermarkets and hotels, no.
How much is a beer in Lekki?+
Local lager at a bar $2-$3. Craft beer at Bature Brewery $5-$7. Cocktail at Sky or Quilox $12-$18.
What is a fair Uber price Lekki to VI?+
$4-$8 outside rush hour. Anything over $12 is surge; wait 15 minutes and rebook.