They are not selling you a visa. They are selling you a form.
United Kingdom. Applied for by me.
I have applied for and gotten several visas by myself, on a Nigerian passport, with no agent. That includes the US, the UK and Schengen, the three people will tell you are impossible on this passport. Agents do not have a back door. They fill the same form you can fill, with information you gave them, and charge you for typing.
Everything I know is free. Ask me anything on WhatsApp. I only charge if you want me sitting with you while you fill it yourself.
My first application was Schengen. I did what everybody does. I found an agent, I paid, I handed over my passport and my documents, and I waited for somebody who knew better than me to handle it.
It came back refused.
I have applied for every visa since myself, including the US, the UK and Schengen, the three people swear you cannot get on a Nigerian passport. I have not been refused again.
I know what went wrong with that application, because I kept the messages. I have redacted the agent's name, because this is not about one person. Read them and decide for yourself. What I will tell you is this. Paying somebody did not protect me. Doing it myself has not failed me once.
The letter
I have redacted my name. Everything else is exactly as the consulate sent it, including the grounds, because the grounds are the part worth learning from.
The consulate ticked one box, number 10: "the information submitted regarding the justification for the purpose and conditions of the intended stay was not reliable." Now look at the first message from the agent. Before my appointment, the agent sent me templates for my personal and company introduction letters and told me to use them.
The messages
I want you to read this list and decide for yourself whether it is worth what you were quoted.
Straight from the WhatsApp threads. Each one, then what is actually true.
What is true
He does not. Ask him to name the person and put the arrangement in writing. The conversation ends there every single time.
What is true
This is a lie. Embassies do not reserve appointment dates for agents. There is one public calendar and everybody books from it, including him. What he has is somebody refreshing the page, which you can also do, for free.
What is true
Processing time is set by the mission and it does not move because of who submitted the file. Paying more does not put you further up a queue that does not exist.
What is true
Ask to see the refusals. Nobody who says this can produce them, because the number was invented on the spot.
These are real price lists posted by Nigerian travel agencies on Instagram, and one quote sent in a private message. I have redacted the agencies' names because the point is not to attack anybody. The point is the gap between the two numbers, and what that gap could have paid for on your trip.
Apply & Fly
Fee check · No. 001
Seychelles
There is no Seychelles visa for a Nigerian passport. The only thing to pay is the Travel Authorisation, and I paid €12 for mine in August 2026.
Fee is fixed by the embassy
Apply & Fly
Fee check · No. 002
Uganda
I paid $50 on the official portal for my own Uganda e-visa in September 2026. It took me one sitting on my phone.
Fee is fixed by the embassy
Apply & Fly
Fee check · No. 003
Kenya
Sold as a "Guaranteed E-Visa". Nigerians need no visa and no eTA for Kenya for up to 60 days. There is nothing to buy.
Nothing to pay anybody
Apply & Fly
Fee check · No. 004
United Kingdom
One agent itemised it: the $180 visa fee, a ₦250,000 service charge, and a ₦50,000 "non-refundable visa advisory service charge" on top.
Fee is fixed by the embassy
Screenshots of public posts, taken on 11 September 2026. Some are promos and some are older, so the prices may have moved. Tap any one to read it at full size.
Naira figures use the CBN official rate on 10 and 11 September 2026: $1 = ₦1,329, €1 = ₦1,540, £1 = ₦1,802. Your card will usually be charged a little more. Embassy fees are fixed and nobody can reduce them. The only line on the invoice anyone can save on is the middleman.
Plenty of agents submit flight and hotel bookings that do not exist. They generate a PDF that looks like a reservation. It is quick, it is free for them, and it is the single most dangerous thing that can happen to your passport.
A real airline reservation has a 6-character PNR that sits in the airline's system. The officer types it in. A fabricated one comes back not found, immediately, and now your file has a document in it that is not real.
Your name is on the application. Your biometrics are attached to it. The agency's name appears nowhere. When the consequence arrives it arrives at your passport, and the agent keeps trading.
The Home Office can refuse you over a false document even if you genuinely did not know it was false, and even if the agent supplied it. That is paragraph SUI 10.1 of the Immigration Rules. If they decide you used deception yourself, refusal is mandatory under SUI 9.1 and it comes with a 10-year ban on UK entry clearance. Ten years.
Material misrepresentation in a US visa application is a lifetime inadmissibility finding, not a temporary one. A waiver exists and it is hard to get.
You need a real ticket, not a fake one. Book a fully refundable fare, so if your visa is refused you get your money back. For hotels, book somewhere with free cancellation on a normal booking site. Both are real, both verify, both cost you nothing if you cancel. Never accept a PDF from anybody without checking the reference yourself.
I have personally done several of these. For the rest I know the process and I will tell you plainly when something is outside what I have done myself.
Full application, biometrics, and a wait. This is where agents charge the most.
One good visa opens other doors. Without one, you apply at the embassy like I did.
Real eVisas a Nigerian can get alone. A form, a photo, a card payment and a wait. Agents charge full price for these anyway.
Your passport already gets you into these places with no visa applied for in advance, or with an entry permit issued when you land. A few ask for a short online form or a small fee before you fly, and I have put that on each one. If an agent quotes you for a visa to one of them, you have learned everything you need to know about that agent.
ECOWAS
90 days visa-free in Benin, Côte d'Ivoire, The Gambia, Ghana, Guinea, Guinea-Bissau, Liberia, Senegal, Sierra Leone and Togo. Carry your yellow fever card.
Checked 11 Sep 2026
Kenya
No visa and no eTA for up to 60 days. Fill the online arrival form before you fly.
Checked 11 Sep 2026
Seychelles
Free visitor permit on arrival. You must buy a Travel Authorisation before you fly. Standard is €10, and I paid €12 once fees were added.
Checked 11 Sep 2026
Rwanda
Free visa on arrival, 30 days.
Checked 11 Sep 2026
Cape Verde
90 days visa-free, but register online and pay 3,400 CVE (about $35) at least 5 days before you fly.
Checked 11 Sep 2026
Dominica
Visa-free. Check whether your connecting airport needs a transit visa.
Checked 11 Sep 2026
Fiji
Visitor permit on arrival, up to 120 days.
Checked 11 Sep 2026
Rules change without notice. I check these and put the date on each one. Always confirm with the airline and the official source before you fly.
Every one of these trips started with an application I filled myself. No agent, no fixer, nobody's cousin who knows somebody at the embassy.
The information is free. It is genuinely free, and I am not going to make you book a call to find out something you could have googled. I make money in one place only, and it is the last step.
Ask me anything. Which country, what documents, whether your situation is a problem, what a refusal letter means. I will tell you honestly if I think you should not apply yet, and that answer costs you nothing.
Message me nowMost people can stop here. The free guide covers the countries Nigerians apply for most, how to find cheap flights, which bookings to make so a refusal does not cost you money, and how to fill every form yourself. Plenty of people will read it, apply alone, get approved, and never pay me anything. That is a good outcome.
Read the free guideSome people want somebody sitting with them while they do it. We get on a screen share and go through the form question by question. You type every answer yourself, on your own account, with your own login. I am not applying for you and I will not touch your keyboard. I am telling you what each question is really asking. It is ₦50,000. Doing more than one application may cost extra, and I will tell you what it is case by case before we start.
Tell me where you want to go and what you are stuck on. The form opens a WhatsApp chat with your question already typed, so all you do is press send. No payment, no call booking, no catch.
Rather read first?
The free guide: do the whole thing yourself
The top countries, cheap flights, bookings you can cancel, travel insurance, and filling every form on your own.
Read the guide →
One thing. Sitting with you on a screen share while you fill your own application, telling you what each question means and what a strong answer looks like. That is it. Everything else on this site and everything I will tell you on WhatsApp is free.
No, and I will not be talked into it. You fill your own form, on your own account, with your own email and password. If someone else types your answers you are signing a document a stranger wrote, and if anything in it is wrong the consequence lands on your passport and not theirs. This is the whole reason the service is shaped this way.
No. Walk away from anybody who says they can. The consulate decides alone and nobody outside that building has influence. What I can do is make sure nothing in your file gives them an easy reason to refuse you.
He does not. That is the oldest line in this business. Ask him to name the person, put the arrangement in writing, and refund you in full if it does not work. The conversation ends there every time.
No. I am somebody who has done this many times on a Nigerian passport and keeps very good notes. This is guidance from experience, not legal advice, and I will say plainly when a question is beyond what I know.
Tourist, visitor and short study visas only. I do not touch asylum, work, spouse or settlement applications. Those genuinely need a regulated adviser and I will tell you to go and find one.
No. A refusal letter is a checklist. It tells you exactly which part they did not believe. Most reapplications fail because people submit the same file again with a new date on it. Send me the letter on WhatsApp and I will tell you what it actually says.
Depends on the country and on the rest of your file, and this is exactly the question WhatsApp is for. Sometimes the honest answer is to get one or two easier stamps first. I would rather tell you that than take your money for an application I expect to fail.
Still not sure? Just ask. It costs nothing.
Message me on WhatsApp
