Dollar to Naira Exchange Rate Today, July 21, 2026: Aboki and Official Market Rate

• Check dollar to naira exchange rate today, July 21, 2026, including Aboki black market buying and selling rates, official CBN/NFEM rate and $100 conversion.

The dollar to naira exchange rate today remains one of the most watched financial updates in Nigeria as students, importers, travellers, online workers and business owners monitor the value of the naira.

As of Tuesday, July 21, 2026, the Aboki or black market dollar rate is selling between ₦1,415 and ₦1,425 per dollar, depending on location and dealer.

The latest official CBN/NFEM published rate is around ₦1,380.11 per dollar, based on the July 20 official market data available from the Central Bank of Nigeria.

Dollar to Naira Exchange Rate Today

The black market rate is not fixed. It may be higher or lower depending on city, dealer, volume and time of transaction.

Official Dollar Rate Today

The latest official CBN/NFEM data shows the dollar at:

• Buying rate: ₦1,379.11
• Central rate: ₦1,379.61
• Selling rate: ₦1,380.11

This is the official market rate used as a reference for regulated financial transactions.

However, because today is July 21, 2026, the CBN may still update the official table later after market activity. The latest published official row available at the time of writing is for July 20, 2026.

Aboki Dollar Rate Today

In the parallel market, Aboki Forex listed:

• Buying rate: ₦1,410/$1
• Selling rate: ₦1,415/$1

NairaToday listed:

• Buying rate: ₦1,412/$1
• Selling rate: ₦1,425/$1

This means if you are buying dollars from the black market, you may pay around ₦1,415 to ₦1,425 per dollar. If you are selling dollars, dealers may buy from you around ₦1,410 to ₦1,412 per dollar.

How Much Is $100 in Naira Today?

Using the black market selling rate:

• At ₦1,415/$1: $100 = ₦141,500
• At ₦1,425/$1: $100 = ₦142,500

Using the official CBN/NFEM selling rate:

• At ₦1,380.11/$1: $100 = ₦138,011

Why Black Market Rate Is Higher Than Official Rate

The black market rate is usually higher because of:

• High demand for dollars
• Limited access to forex through banks
• Import payments
• School fees abroad
• Travel demand
• Speculation
• Low cash dollar availability
• Dealer margins

The official market is regulated, while the black market is informal and driven by demand and supply.

Dollar exchange rate today, July 21, 2026, shows the naira trading around ₦1,415 to ₦1,425/$1 in the black market, while the latest official CBN/NFEM rate remains around ₦1,380.11/$1.

Anyone buying or selling dollars should confirm the rate with their bank or dealer before completing a transaction because rates can change during the day.