How To Send Money From Nigeria To America Safely?

Sending money from Nigeria to America can feel overwhelming, but it doesn’t have to be. At money-central.com, we provide clear and concise guidance to help you navigate international money transfers with confidence. With the right information, you can easily send money to support family, invest in opportunities, or manage your finances across borders using the most efficient and secure methods. We’ll explore various options, compare fees, and provide tips to ensure your money arrives safely and quickly.

1. What Are The Common Methods To Send Money From Nigeria To America?

There are several common methods to send money from Nigeria to America, each with its own advantages and disadvantages. These include bank transfers, online money transfer services, and using traditional money transfer companies.

Answer: You can send money from Nigeria to America through bank transfers, online platforms, and traditional services. Let’s delve into each of these methods.

Bank Transfers: Sending money directly from your Nigerian bank account to a U.S. bank account is a straightforward option, but it often comes with higher fees and longer processing times. Banks like Zenith Bank and GTBank offer international transfer services, but it’s essential to compare their exchange rates and fees with other options.
Online Money Transfer Services: Platforms like Wise (formerly TransferWise), Remitly, and WorldRemit have become popular for their competitive exchange rates, lower fees, and faster transfer times. These services offer a convenient way to send money online or through their mobile apps.
Traditional Money Transfer Companies: Companies like Western Union and MoneyGram have been in the money transfer business for a long time. They offer a reliable way to send money, often with options for cash pickup in the U.S. However, their fees and exchange rates may not be as favorable as those offered by online services.

1.1. How Do Bank Transfers Work For International Transfers?

Bank transfers are a traditional method for sending money internationally. Here’s how they work:

Initiate the Transfer: Visit your bank in Nigeria and request an international wire transfer. You’ll need the recipient’s name, address, bank name, bank address, SWIFT/BIC code, and account number.
Provide Necessary Information: Fill out the bank’s transfer form with all the required details. Ensure all information is accurate to avoid delays or complications.
Pay the Transfer Fee: Banks typically charge a transfer fee, which can range from $20 to $50 or more, depending on the bank and the amount being transferred.
Wait for Processing: The transfer can take anywhere from 3 to 7 business days to complete, depending on the banks involved and any intermediary banks used in the process.

1.2. What Are The Benefits Of Using Online Money Transfer Services?

Online money transfer services offer several benefits over traditional methods:

Lower Fees: Online platforms often have lower fees compared to banks and traditional money transfer companies.
Better Exchange Rates: These services usually offer more competitive exchange rates, which can save you money on the overall transfer.
Faster Transfers: Transfers are typically faster, often completed within 24 to 48 hours.
Convenience: You can send money from the comfort of your home using a computer or mobile device.
Transparency: Online platforms provide clear information about fees and exchange rates upfront, allowing you to see the total cost before you send the money.

1.3. Why Might Someone Choose Traditional Money Transfer Companies?

Despite the rise of online services, traditional money transfer companies like Western Union and MoneyGram still have their advantages:

Cash Pickup: They offer the option for the recipient to pick up the money in cash, which can be useful if the recipient doesn’t have a bank account.
Wide Network: These companies have a vast network of agents, making it easy to send and receive money in many locations.
Familiarity: Some people prefer using these companies because they are familiar with the process and trust their established reputation.
Alternative for Unbanked: For individuals without bank accounts, traditional money transfer services offer a viable option to send and receive funds.

2. Which Online Platforms Are Best For Sending Money From Nigeria To America?

Several online platforms are popular for sending money from Nigeria to America, each offering unique features and benefits. The best platform for you will depend on your specific needs and preferences.

Answer: Wise, Remitly, and WorldRemit are excellent online platforms for international money transfers. Let’s examine each one.

Wise (formerly TransferWise): Known for its transparent fees and mid-market exchange rates, Wise is a popular choice for those looking to minimize costs.
Remitly: Remitly offers competitive exchange rates and fast transfer times, often within minutes. It also provides different transfer options, including bank deposits, cash pickup, and mobile money.
WorldRemit: WorldRemit is another reliable platform with a wide range of payout options and competitive exchange rates. It’s known for its user-friendly interface and extensive network.

2.1. What Makes Wise A Good Option?

Wise (formerly TransferWise) stands out for several reasons:

Transparent Fees: Wise is very transparent about its fees, showing you exactly how much you’ll pay before you send the money.
Mid-Market Exchange Rates: Wise uses the mid-market exchange rate, which is the real exchange rate without any markup. This can save you a significant amount of money compared to other services that add a margin to the exchange rate.
Fast Transfers: Transfers are often completed within 1 to 2 business days, and sometimes even faster.
Multi-Currency Account: Wise offers a multi-currency account that allows you to hold and manage money in multiple currencies.

2.2. What Are The Advantages Of Using Remitly?

Remitly offers several advantages for sending money from Nigeria to America:

Fast Transfers: Remitly is known for its fast transfer times, with some transfers completed in minutes.
Competitive Exchange Rates: Remitly offers competitive exchange rates, especially for larger transfers.
Multiple Payout Options: Remitly offers various payout options, including bank deposits, cash pickup, and mobile money transfers.
User-Friendly Interface: The Remitly app and website are easy to use, making it simple to send money.

2.3. Why Choose WorldRemit For International Transfers?

WorldRemit is a solid choice for international money transfers due to the following reasons:

Wide Range of Payout Options: WorldRemit offers a variety of payout options, including bank transfers, cash pickup, mobile money, and airtime top-up.
Extensive Network: WorldRemit has an extensive network of partners, making it easy to send money to many locations around the world.
Competitive Exchange Rates: WorldRemit offers competitive exchange rates and transparent fees.
User-Friendly Platform: The WorldRemit website and app are user-friendly and easy to navigate.

3. How Do Exchange Rates Affect Your Money Transfer?

Exchange rates play a crucial role in international money transfers. Understanding how they work and how they are determined can help you make informed decisions and save money.

Answer: Exchange rates significantly impact the amount of money your recipient receives, so understanding them is essential. Here’s what you need to know.

Understanding Exchange Rates: The exchange rate is the value of one currency in terms of another. For example, the exchange rate between the Nigerian Naira (NGN) and the U.S. Dollar (USD) tells you how many Naira you need to buy one U.S. Dollar.
Factors Affecting Exchange Rates: Exchange rates are influenced by various factors, including economic conditions, political stability, interest rates, and market speculation.
Mid-Market Rate vs. Retail Rate: The mid-market rate is the real exchange rate used by banks and currency traders. Money transfer services often add a margin to this rate, known as the retail rate. This margin is how they make a profit.

3.1. What Is The Mid-Market Rate And Why Is It Important?

The mid-market rate, also known as the interbank rate or the real exchange rate, is the midpoint between the buying and selling prices of a currency. It’s the rate that banks use when trading currencies with each other.

Importance of the Mid-Market Rate:

Benchmark: The mid-market rate serves as a benchmark for comparing exchange rates offered by different money transfer services.
Transparency: Services that use the mid-market rate, like Wise, are more transparent about their fees, as they don’t hide costs in the exchange rate.
Cost Savings: By choosing a service that offers the mid-market rate, you can save money on your transfer.

3.2. How Do Money Transfer Services Make Money On Exchange Rates?

Money transfer services typically make money by adding a margin to the mid-market exchange rate. This margin is the difference between the rate they offer to customers and the rate they obtain on the currency market.

Example:

The mid-market rate for NGN to USD is 400 NGN = 1 USD.
A money transfer service offers a rate of 410 NGN = 1 USD.
The service makes a profit of 10 NGN for every U.S. Dollar you buy.

3.3. How Can You Find The Best Exchange Rate?

Finding the best exchange rate requires comparing offers from different money transfer services. Here are some tips:

Compare Rates: Use online tools and websites to compare exchange rates from different providers.
Check for Hidden Fees: Be aware of any hidden fees that may be added to the transfer cost.
Consider the Total Cost: Focus on the total cost of the transfer, including fees and the exchange rate margin.
Use Rate Alerts: Sign up for rate alerts to be notified when the exchange rate reaches a favorable level.

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Exchange rates can fluctuate based on economic factors.

4. What Fees Are Involved In Sending Money Internationally?

Understanding the fees involved in sending money internationally is crucial for budgeting and choosing the most cost-effective transfer method.

Answer: International money transfers involve several types of fees, including transfer fees, exchange rate margins, and recipient fees. Here’s what to expect.

Transfer Fees: These are the fees charged by the money transfer service for processing the transaction. They can be a fixed amount or a percentage of the transfer amount.
Exchange Rate Margin: As mentioned earlier, money transfer services often add a margin to the mid-market exchange rate, which is another form of fee.
Recipient Fees: In some cases, the recipient may be charged a fee by their bank or payment provider to receive the money.

4.1. What Are Common Transfer Fee Structures?

Money transfer services use different fee structures. Here are some common ones:

Fixed Fee: A fixed fee is charged regardless of the transfer amount. This structure is often used for smaller transfers.
Percentage Fee: A percentage of the transfer amount is charged as a fee. This structure is common for larger transfers.
Tiered Fee: The fee varies depending on the transfer amount, with lower fees for larger transfers.

4.2. How Can You Minimize Transfer Fees?

Here are some strategies to minimize transfer fees:

Compare Services: Shop around and compare fees from different money transfer services.
Send Larger Amounts: Some services offer lower fees for larger transfers.
Choose the Right Transfer Method: Different transfer methods (e.g., bank transfer, online transfer, cash pickup) may have different fees.
Look for Promotions: Some services offer promotional discounts or fee waivers.

4.3. Are There Any Hidden Fees To Watch Out For?

Yes, there can be hidden fees in international money transfers. Here are some to watch out for:

Intermediary Bank Fees: If your transfer goes through an intermediary bank, that bank may charge a fee.
Recipient Bank Fees: The recipient’s bank may charge a fee to receive the money.
Currency Conversion Fees: If the recipient’s account is in a different currency than the transfer currency, there may be a currency conversion fee.

5. What Information Do You Need To Send Money From Nigeria To America?

To successfully send money from Nigeria to America, you need to gather specific information about the recipient and their bank.

Answer: To send money, you need the recipient’s full name, address, bank name, bank address, SWIFT/BIC code, and account number. Accuracy is key to avoid delays.

Recipient’s Full Name and Address: This information is required for identification purposes.
Recipient’s Bank Name and Address: You need the name and address of the recipient’s bank.
SWIFT/BIC Code: The SWIFT (Society for Worldwide Interbank Financial Telecommunication) code or BIC (Bank Identifier Code) is a unique code that identifies the recipient’s bank.
Recipient’s Account Number: This is the recipient’s bank account number.

5.1. Why Is Accurate Information Important?

Accurate information is crucial for a successful money transfer. Incorrect or incomplete information can lead to:

Delays: The transfer may be delayed if the bank needs to verify the information.
Rejection: The transfer may be rejected if the information is incorrect.
Fees: You may be charged a fee for correcting or resending the transfer.

5.2. How Can You Verify The Recipient’s Bank Details?

To ensure the accuracy of the recipient’s bank details, follow these steps:

Confirm with the Recipient: Ask the recipient to double-check their bank details.
Check Online: Some banks have online tools to verify SWIFT/BIC codes.
Contact the Bank: If you’re unsure, contact the recipient’s bank directly to verify the details.

5.3. What If The Recipient Doesn’t Have A Bank Account?

If the recipient doesn’t have a bank account, you can still send money using services that offer cash pickup options, such as Western Union and MoneyGram. The recipient can then pick up the money at a local agent location in the U.S.

6. How Long Does It Take To Send Money From Nigeria To America?

The time it takes to send money from Nigeria to America varies depending on the transfer method you choose.

Answer: Transfer times range from a few minutes to several business days, depending on the method used. Online platforms are typically faster than traditional bank transfers.

Online Money Transfer Services: Transfers through platforms like Remitly and WorldRemit can be completed in minutes to 24 hours.
Bank Transfers: Bank transfers typically take 3 to 7 business days to complete.
Traditional Money Transfer Companies: Transfers through Western Union and MoneyGram can be available for cash pickup within minutes, but bank transfers may take longer.

6.1. What Factors Affect Transfer Time?

Several factors can affect the transfer time:

Transfer Method: Online transfers are generally faster than bank transfers.
Payment Method: Paying with a credit or debit card may result in faster processing than paying with a bank transfer.
Verification Requirements: If the money transfer service needs to verify your identity or the transaction, it can delay the transfer.
Bank Processing Times: The processing times of the banks involved can affect the transfer time.
Time Zone Differences: Time zone differences can also impact the transfer time, especially for bank transfers.

6.2. How Can You Speed Up The Transfer Process?

Here are some tips to speed up the transfer process:

Provide Accurate Information: Ensure all the recipient’s bank details are accurate.
Pay with a Card: Paying with a credit or debit card can result in faster processing than paying with a bank transfer.
Choose a Fast Transfer Service: Opt for a money transfer service that is known for its fast transfer times.
Avoid Weekends and Holidays: Transfers may take longer to process on weekends and holidays.

6.3. What To Do If Your Transfer Is Delayed?

If your transfer is delayed, here are some steps you can take:

Contact the Money Transfer Service: Contact the money transfer service to inquire about the delay.
Check the Transfer Status: Most money transfer services provide a tracking number or reference number that you can use to check the status of your transfer.
Contact the Bank: If the transfer is a bank transfer, contact both your bank and the recipient’s bank to inquire about the delay.

7. Is It Safe To Send Money From Nigeria To America Online?

Sending money online is generally safe, but it’s important to take precautions to protect yourself from fraud and scams.

Answer: Sending money online is generally safe if you use reputable platforms and follow security best practices. Always verify the recipient’s information.

Use Reputable Services: Stick to well-known and reputable money transfer services that have security measures in place.
Check for Security Features: Look for security features such as encryption, two-factor authentication, and fraud monitoring.
Verify the Recipient’s Information: Always verify the recipient’s information before sending money.
Be Wary of Scams: Be cautious of scams and never send money to someone you don’t know or trust.

7.1. What Security Measures Should You Look For?

When choosing an online money transfer service, look for the following security measures:

Encryption: Encryption protects your personal and financial information from being intercepted by hackers.
Two-Factor Authentication: Two-factor authentication adds an extra layer of security by requiring you to enter a code sent to your phone or email in addition to your password.
Fraud Monitoring: Fraud monitoring systems help detect and prevent fraudulent transactions.
Secure Website: Ensure the website is secure by looking for “https” in the address bar and a padlock icon.

7.2. How Can You Protect Yourself From Scams?

Here are some tips to protect yourself from scams:

Be Wary of Unsolicited Requests: Be cautious of unsolicited requests for money, especially from strangers.
Don’t Send Money to People You Don’t Know: Never send money to someone you haven’t met in person or don’t trust.
Be Skeptical of Urgent Requests: Be wary of urgent requests for money, especially if the person claims to be in a crisis.
Verify the Information: Always verify the information before sending money.
Report Suspicious Activity: If you suspect a scam, report it to the money transfer service and the authorities.

7.3. What To Do If You Suspect Fraud?

If you suspect fraud, take the following steps:

Contact the Money Transfer Service: Contact the money transfer service immediately to report the fraud.
Change Your Password: Change your password and any other security information.
Monitor Your Accounts: Monitor your bank and credit card accounts for any unauthorized transactions.
Report to the Authorities: Report the fraud to the authorities, such as the Federal Trade Commission (FTC) in the U.S. and the Economic and Financial Crimes Commission (EFCC) in Nigeria.

Be aware of potential scams and fraudulent activities.

8. What Are The Legal Considerations For Sending Money From Nigeria To America?

When sending money from Nigeria to America, it’s important to be aware of the legal considerations and regulations.

Answer: You must comply with Nigerian and U.S. laws regarding money transfers, including reporting requirements for large transactions to avoid penalties.

Reporting Requirements: Both Nigeria and the U.S. have reporting requirements for large money transfers. In Nigeria, transfers exceeding a certain threshold must be reported to the relevant authorities. In the U.S., banks are required to report suspicious transactions to the Financial Crimes Enforcement Network (FinCEN).
Tax Implications: Money transfers may have tax implications, depending on the purpose of the transfer and the relationship between the sender and the recipient.
Compliance with Regulations: It’s important to comply with all applicable regulations to avoid penalties and legal issues.

8.1. What Are The Reporting Requirements In Nigeria?

In Nigeria, the Central Bank of Nigeria (CBN) has regulations in place to monitor and regulate international money transfers. Transfers exceeding a certain amount may need to be reported to the CBN or other relevant authorities.

Key Reporting Requirements:

Thresholds: Transfers above a certain threshold (e.g., $10,000 USD or its equivalent in Naira) may need to be reported.
Documentation: You may need to provide documentation to support the transfer, such as proof of income, identification, and the purpose of the transfer.
Compliance: Failure to comply with reporting requirements can result in penalties, including fines and legal action.

8.2. What Are The Reporting Requirements In The U.S.?

In the U.S., banks and financial institutions are required to report suspicious transactions to the Financial Crimes Enforcement Network (FinCEN). This is part of the U.S. government’s efforts to combat money laundering and terrorist financing.

Key Reporting Requirements:

Suspicious Activity Reports (SARs): Banks and financial institutions must file SARs for any transactions that appear suspicious.
Currency Transaction Reports (CTRs): Banks must file CTRs for any currency transactions exceeding $10,000 USD.
Compliance: Failure to comply with reporting requirements can result in penalties, including fines and legal action.

8.3. How Can You Ensure Compliance With These Regulations?

To ensure compliance with legal regulations, follow these steps:

Understand the Regulations: Familiarize yourself with the reporting requirements in both Nigeria and the U.S.
Provide Accurate Information: Provide accurate information about the transfer, including the purpose of the transfer and the source of the funds.
Keep Records: Keep records of all transfers, including receipts and documentation.
Consult with a Professional: If you’re unsure about any aspect of the regulations, consult with a financial advisor or legal professional.

9. How To Send Money From Nigeria To America For Business Purposes?

Sending money for business purposes requires careful planning and compliance with regulations.

Answer: Business transfers require additional documentation and must comply with both Nigerian and U.S. regulations, including tax laws.

Documentation: You’ll need to provide documentation to support the business transaction, such as invoices, contracts, and business registration documents.
Compliance: Ensure that the transaction complies with all applicable regulations, including tax laws and anti-money laundering laws.
Currency Controls: Be aware of any currency controls or restrictions that may apply to business transactions.

9.1. What Documentation Is Required For Business Transfers?

When sending money for business purposes, you’ll typically need to provide the following documentation:

Invoices: Invoices detailing the goods or services being purchased.
Contracts: Contracts or agreements outlining the terms of the business transaction.
Business Registration Documents: Documents verifying the registration of the business.
Proof of Payment: Proof of payment, such as bank statements or receipts.

9.2. How Do Tax Laws Affect Business Transfers?

Business transfers may have tax implications in both Nigeria and the U.S. It’s important to consult with a tax advisor to understand these implications and ensure compliance with tax laws.

Key Tax Considerations:

Withholding Tax: Withholding tax may apply to certain types of business payments.
Income Tax: The recipient may need to report the income on their tax return.
Value Added Tax (VAT): VAT may apply to the sale of goods or services.

9.3. What Are Currency Controls And How Do They Affect Transfers?

Currency controls are restrictions imposed by a government on the movement of currency in and out of the country. These controls can affect business transfers by limiting the amount of money that can be transferred or requiring special approvals.

Impact of Currency Controls:

Restrictions: Currency controls may restrict the amount of money that can be transferred for business purposes.
Approvals: You may need to obtain special approvals from the central bank or other government agencies to transfer money.
Compliance: It’s important to comply with all currency control regulations to avoid penalties and legal issues.

10. What Are Some Alternatives To Sending Money?

Besides traditional money transfer methods, there are alternative ways to transfer value internationally.

Answer: Alternatives include cryptocurrency, prepaid cards, and peer-to-peer lending, each with its own set of benefits and risks.

Cryptocurrency: Using cryptocurrencies like Bitcoin or Ethereum can offer fast and low-cost transfers, but it also comes with volatility risks.
Prepaid Cards: Loading a prepaid card with funds and sending it to the recipient can be a convenient option, but fees may be high.
Peer-to-Peer Lending: P2P lending platforms connect borrowers and lenders directly, potentially offering better rates than traditional methods.

10.1. How Does Cryptocurrency Work For International Transfers?

Cryptocurrency can be used for international transfers by converting the sender’s currency into cryptocurrency, transferring the cryptocurrency to the recipient, and then converting it back into the recipient’s currency.

Advantages of Cryptocurrency:

Fast Transfers: Cryptocurrency transactions are typically faster than traditional bank transfers.
Low Fees: Cryptocurrency transaction fees can be lower than traditional transfer fees.
Decentralized: Cryptocurrency is decentralized, meaning it’s not controlled by any government or financial institution.

Disadvantages of Cryptocurrency:

Volatility: Cryptocurrency prices can be volatile, which means the value of the transfer can fluctuate.
Complexity: Using cryptocurrency can be complex and requires some technical knowledge.
Regulation: Cryptocurrency is subject to varying levels of regulation in different countries.

10.2. What Are The Benefits And Drawbacks Of Using Prepaid Cards?

Prepaid cards can be used for international transfers by loading the card with funds and sending it to the recipient. The recipient can then use the card to make purchases or withdraw cash.

Benefits of Prepaid Cards:

Convenience: Prepaid cards are convenient and easy to use.
Accessibility: Prepaid cards can be used by people who don’t have a bank account.
Control: Prepaid cards allow you to control the amount of money being sent.

Drawbacks of Prepaid Cards:

Fees: Prepaid cards can have high fees, including activation fees, monthly fees, and transaction fees.
Limitations: Prepaid cards may have limitations on how much money can be loaded or withdrawn.
Security: Prepaid cards can be lost or stolen, and the funds may not be insured.

10.3. How Does Peer-To-Peer Lending Facilitate International Transfers?

Peer-to-peer (P2P) lending platforms connect borrowers and lenders directly, allowing individuals to lend money to others in different countries.

Advantages of P2P Lending:

Better Rates: P2P lending platforms may offer better rates than traditional methods.
Diversification: P2P lending allows you to diversify your investment portfolio.
Social Impact: P2P lending can support entrepreneurs and small businesses in developing countries.

Disadvantages of P2P Lending:

Risk: P2P lending involves risk, as borrowers may default on their loans.
Regulation: P2P lending is subject to varying levels of regulation in different countries.
Complexity: P2P lending can be complex and requires careful due diligence.

Sending money from Nigeria to America involves several considerations, including the method of transfer, fees, exchange rates, security, and legal compliance. By understanding these factors and taking the necessary precautions, you can ensure that your money arrives safely and efficiently.

FAQ: Sending Money From Nigeria To America

Here are some frequently asked questions about sending money from Nigeria to America:

1. What is the cheapest way to send money from Nigeria to the USA?

The cheapest way is typically through online money transfer services like Wise or Remitly, which offer competitive exchange rates and lower fees compared to traditional banks.

2. How much does it cost to send $1000 from Nigeria to the USA?

The cost varies, but you can expect to pay between $10 to $50 in fees, depending on the service and exchange rate margin. Always compare options to find the best deal.

3. Is it better to use a bank or an online money transfer service?

Online services are generally better due to lower fees, better exchange rates, and faster transfer times. However, banks may be preferable for very large transfers where security is a top priority.

4. Can I send money directly to a bank account in the USA?

Yes, you can send money directly to a bank account using bank transfers or online money transfer services that offer bank deposit options.

5. What are the limits for sending money from Nigeria to the USA?

Limits vary by service and regulatory requirements. Banks may have higher limits, while online services might have daily or transaction limits. Check with your chosen provider for specific details.

6. How can I track my money transfer?

Most online money transfer services provide a tracking number or reference number that you can use to monitor the status of your transfer online or through their mobile app.

7. What happens if the recipient’s bank details are incorrect?

If the bank details are incorrect, the transfer may be delayed or rejected. You may need to pay a fee to correct the information and resend the transfer.

8. Are there any taxes on money transfers from Nigeria to the USA?

There are generally no direct taxes on the transfer itself, but the recipient may need to report the funds as income, depending on the purpose and amount of the transfer.

9. What is the best way to send a large amount of money?

For large amounts, consider using a bank transfer or a specialized service that handles large transactions. Ensure you comply with all reporting requirements.

10. How can I ensure my money transfer is secure?

Use reputable services with strong security measures like encryption and two-factor authentication, verify recipient information, and be wary of scams.

At money-central.com, we understand the challenges of managing your finances, especially when it involves international money transfers. That’s why we’re dedicated to providing you with clear, reliable, and up-to-date information to help you make informed decisions. Whether you’re looking for the best ways to send money, save on fees, or invest wisely, money-central.com is your go-to resource.

Ready to take control of your financial future? Explore our articles, use our financial tools, and connect with our experts today. Visit money-central.com to discover how we can help you achieve your financial goals. Our address is 44 West Fourth Street, New York, NY 10012, United States. You can also reach us at +1 (212) 998-0000.