You’re likely looking at the Tunisian Dinar and wondering how it stacks up against the Nigerian Naira right now. Maybe you're planning a trip to Tunis, or perhaps you're a business owner trying to source goods from North Africa. Honestly, the exchange rate for tunisia currency to naira has been on a wild ride over the last two years.
As of mid-January 2026, the rate is hovering around 485 to 495 Naira for every 1 Tunisian Dinar (TND). It’s not a flat line, though. Just a couple of weeks ago, we saw it touch nearly 500, then dip back down. This isn't just "market noise"—it’s the result of some heavy economic lifting happening in both Abuja and Tunis.
If you haven't checked the rates since 2024, you’re in for a shock. Back then, one Dinar would have cost you significantly less. But things have changed. Nigeria’s naira unification and Tunisia’s struggle with agricultural exports have created a new reality for anyone exchanging these two currencies.
The current state of Tunisia currency to naira
Right now, if you walk into a bank or check a digital platform, the mid-market rate is approximately 484.93 NGN per 1 TND.
But wait. That's the "official" number. If you're actually trying to move money, you've got to account for the spread. Most retail platforms will charge you closer to 498 Naira once they bake in their fees.
Prices move fast.
The Tunisian Dinar is relatively stable compared to the US Dollar, but because the Naira is still finding its feet after the 2025 reforms, the cross-rate fluctuates daily. It's kinda like trying to hit a moving target while standing on a boat.
👉 See also: Why Toys R Us is Actually Making a Massive Comeback Right Now
Why the Dinar is so "expensive"
You might wonder why a North African country has a currency that feels so much "stronger" than the Naira. It’s not just about the numbers; it’s about the supply. The Central Bank of Tunisia (BCT) keeps a very tight leash on the Dinar. Unlike the Naira, which is now more market-reflective, the Dinar is not fully convertible. You can’t just walk out of Tunisia with a suitcase full of Dinars; it’s actually illegal to export the currency. This artificial scarcity keeps the value high.
What's actually driving the TND to NGN rate in 2026?
It’s easy to blame "the economy" and move on, but the specifics are more interesting. Two major things are happening.
Nigeria's 2026 "Cautious Optimism": The Central Bank of Nigeria (CBN) has been pushing for a more stable Naira. According to recent reports from the CBN and PwC Nigeria, the Naira is projected to stay within the ₦1,450 to ₦1,650 range against the Dollar. Since the Dinar is semi-pegged to a basket of currencies (mostly the Euro and Dollar), when the Naira stabilizes against the Dollar, it stabilizes against the Dinar too.
Tunisia’s Tourism Rebound: Tunisia had a rough patch with droughts affecting their olive oil and phosphate exports—their big money makers. However, 2026 is looking like a comeback year for their tourism sector. When more Europeans spend Euros in Tunis, the Dinar gets a boost.
Honestly, the volatility we saw in 2024, where the rate jumped by 60% in a few months, seems to be over. We’re in a period of "messy stability."
The "Black Market" vs. Official Rates
In Nigeria, the gap between the official rate and the parallel market (black market) has narrowed significantly. Gone are the days when the difference was 50%. Nowadays, the "street" rate for tunisia currency to naira might only be 5% or 10% higher than what you see on Google.
✨ Don't miss: Price of Tesla Stock Today: Why Everyone is Watching January 28
But a word of caution: since the TND is a restricted currency, you won't find many "Aboki" dealers carrying it in Lagos or Abuja. You'll almost always have to trade Naira for Dollars first, then exchange those Dollars for Dinars once you land at Tunis-Carthage Airport.
Real-world examples of what things cost
To give you some perspective, let's look at what your Naira actually buys you in Tunisia today.
- A cup of coffee in Tunis: Roughly 2.5 TND. In Naira? That’s about 1,225 NGN.
- A decent dinner for two: 60 TND. That’ll set you back about 29,400 NGN.
- One liter of petrol: 2.5 TND (subsidized). Again, about 1,225 NGN.
Compared to prices in Lagos or Port Harcourt, Tunisia can feel pricey if you're thinking in Naira. But if you’re exporting textiles or dates from Tunisia, the quality-to-price ratio often makes the math work in your favor.
How to get the best exchange rate
Don't just use the first app you find.
If you're sending money or traveling, you've basically got three options. None of them are perfect.
First, there are the traditional banks. They are safe but slow. Their rates for tunisia currency to naira are usually the most "official," but their "processing fees" can be hidden and high.
🔗 Read more: GA 30084 from Georgia Ports Authority: The Truth Behind the Zip Code
Second, digital fintechs like Leatherback or Chipper Cash. These are usually your best bet for a fair middle ground. They give you a transparent rate, though they might not always have a direct TND/NGN pair. You often have to convert NGN to USD and then TND.
Third, the "Carry Cash" method. This is what most travelers do. You take USD or EUR from Nigeria and exchange them at a Bureau de Change in Tunisia. Pro tip: The rates at the airport are actually decent in Tunisia because they are regulated, which is a weird change of pace if you're used to getting ripped off at airports elsewhere.
What we expect for the rest of 2026
The experts at Proshare and Veriv Africa are pointing toward a "bull case" for the Naira. If Nigeria manages to hit its oil production targets of 1.71 million barrels per day, the Naira could actually strengthen.
What does that mean for you?
It means the tunisia currency to naira rate could drop toward 450 NGN.
On the flip side, if global oil prices tank or Tunisia faces more social unrest due to their high cost of living (unemployment there is still around 16%), the Dinar might weaken. It’s a balancing act.
Don't get caught out
One thing people always forget: Tunisia has a very strict "Change Receipt" rule. If you exchange your Dollars/Naira for Dinars, keep that paper receipt! You’ll need it at the end of your trip to change your leftover Dinars back into a "spendable" currency. Without it, you’re stuck with a bunch of colorful paper that’s hard to spend outside the country.
Actionable steps for your next move
- Monitor the 480 support level: If the rate drops below 480 NGN, it's a good time to buy if you have upcoming expenses in Tunisia.
- Avoid direct bank transfers if possible: Use specialized FX platforms to avoid the "hidden" 3-5% spread that traditional Nigerian banks often charge on North African currencies.
- Check the "Basket" influence: Watch the Euro. Because Tunisia does so much trade with France and Italy, the Dinar often follows the Euro's lead. If the Euro is getting stronger against the Naira, the Dinar will likely follow suit.
- Use a multi-currency card: If you’re traveling, getting a card that allows you to hold USD or EUR will save you from the double-conversion trap where you lose money changing Naira to Dinar and back.