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Send money to Chad

Sending cash is the fastest way to get money to your recipient.

Andrew Munro

Updated Apr 27, 2020

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Chad has started attracting more investments in recent years and more money has started entering the country, opening up transfer options. While cash is the fastest option, you may be able to get a better deal with an online transfer.

How much does it cost to send money to Chad? Compare your options

Enter the amount of your transfer into the table to find the best deal.

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Min. Transfer Amount	Transfer Speed	Online Transfer Fee	Rate	Amount Received	Description	CTA	Details
GBP 1,000	1 - 2 days	N/A	N/A	N/A	Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000). For larger transfers, get no transaction fees and no maximum send limits.	Go to site	Compare	Show details	Details Minimum transfer amount GBP 1,000.00 Transfer methods Online, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Chat Available currencies AED, AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, ILS, JPY, MXN, NOK, NZD, PLN, RON, SEK, SGD, THB, TRY, USD, ZAR Go to site Read the full review
$1	Same day	USD 0.00	552.757	XAF 2,763,786	XE offers fast transfers with no fees and a range of foreign currency tools.	Go to site	Compare	Show details	Details Minimum transfer amount 1.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options One off payments, Market orders, Forward contracts Customer service Phone, Email Available currencies AED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CUC, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, FKP, GBP, GEL, GGP, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HTG, HUF, IDR, ILS, IMP, INR, IQD, IRR, ISK, JEP, JMD, JOD, JPY, KES, KGS, KHR, KMF, KPW, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SLL, SOS, SPL, SRD, SVC, SYP, SZL, THB, TJS, TMT, TND, TOP, TRY, TTD, TVD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, WST, XAF, XCD, XDR, XOF, XPF, YER, ZAR, ZMW, ZWD, BYN Go to site Read the full review
$0	1 - 2 days	USD 1.99	544.151	XAF 2,719,671	Special offers like free transfers and better exchange rates available for new customers. Quick, affordable transfers around the world with both express and economy options.	Go to site	Compare	Show details	Details Minimum transfer amount 0.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options N/A Customer service Phone, Chat, Email Available currencies ALL, AMD, ARS, AZN, BAM, BDT, BGN, BIF, BOB, BRL, BSD, CLP, CNY, COP, CRC, CZK, DOP, EGP, ETB, EUR, FJD, GEL, GHS, GMD, GNF, GTQ, GYD, HNL, HRK, HTG, HUF, IDR, ILS, INR, JMD, JOD, JPY, KES, KGS, KHR, KMF, KRW, KZT, LKR, LRD, MAD, MDL, MGA, MKD, MMK, MWK, MXN, MYR, NGN, NIO, NPR, PAB, PEN, PHP, PKR, PLN, PYG, RON, RSD, RUB, RWF, SLL, SRD, SVC, THB, TJS, TND, TRY, TZS, UAH, UGX, USD, UYU, UZS, VND, XAF, XOF, ZAR, ZMW, BYN Go to site Read the full review
$1	1 - 2 days	N/A	N/A	N/A	Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks.	Go to site	Compare	Show details	Details Minimum transfer amount 1.00 Transfer methods Online Transfer options Regular payments, One off payments Customer service Phone, Chat, Email Available currencies AED, ARS, AUD, BDT, BGN, BRL, BWP, CAD, CHF, CLP, CNY, COP, CRC, CZK, DKK, EGP, EUR, GBP, GEL, GHS, HKD, HRK, HUF, IDR, ILS, INR, JPY, KES, KRW, LKR, MAD, MXN, MYR, NGN, NOK, NPR, NZD, PEN, PHP, PKR, PLN, RON, RUB, SEK, SGD, THB, TRY, TZS, UAH, UGX, USD, UYU, VND, XOF, ZAR, ZMW Go to site Read the full review
$1	Within an hour	USD 3.99	552.924	XAF 2,762,413	Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.	Go to site	Compare	Show details	Details Minimum transfer amount 1.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options One off payments Customer service Phone, Email Available currencies AED, ALL, AMD, AOA, ARS, AUD, BAM, BBD, BDT, BGN, BHD, BIF, BOB, BRL, BWP, CAD, CDF, CHF, CLP, CNY, COP, CRC, CVE, CZK, DKK, DOP, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, ISK, JMD, JOD, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LKR, LRD, LSL, MAD, MDL, MGA, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PHP, PKR, PLN, PYG, RON, RUB, RWF, SCR, SEK, SGD, SLL, SOS, SRD, THB, TJS, TND, TOP, TRY, TZS, UGX, USD, UYU, VND, WST, XAF, XCD, XOF, ZAR, ZMW, BYN Go to site Read the full review

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

What's in this guide?

How much does it cost to send money to Chad? Compare your options
What's the best way to send money to Chad?
Step by step: How to send money to Chad
How long will it take to send money to Chad?
Documentation you'll need to send money to Chad
What to compare to get the best deal
Cash pickup locations in Chad
Bottom line

What’s the best way to send money to Chad?

There are several ways of sending money to Chad. The main options are:

Banks

Several banks will facilitate money transfers to Chad, although these are usually more expensive than other options.

Cash transfers

Cash is one of the more popular choices for everyday money transfers, as your recipient won’t need a bank account to receive the money and can instead just pick it up at a location.

Money transfer services

Some money transfer services will let you choose whether you want to send money as a bank transfer, as mobile money or for cash pickup. These are often the most flexible and cost-effective choices.

Let’s crunch the numbers: Sending $1,000 to Chad

The table below shows how much it costs to send money to Chad with two different services. Both offer cash pickup, but the first service requires sending cash from an agent location and the second service lets you pay online.

	Cash transfer	Money transfer service
Fee	$7	$13.99
Exchange rate	1 USD = 526.0969 XAF	1 USD = 560.3899 XAF
Transfer speed	Within minutes	Within minutes
Amount received	XAF522,414.22	XAF552,550.05
Overall	XAF30,135.83 less	XAF30,135.83 more

While the second company charges a higher fee, the better exchange rate means your recipient will get XAF30,135.83 more, or about US$54.

Step by step: How to send money to Chad

Compare the available transfer services that can send your dollars to Central African CFA francs.
Choose the one that’s best for you and go to its website.
Enter the details of your transfer in the space provided.
Confirm the details and make your payment.

How long will it take to send money to Chad?

Your funds can be available to pick up in Chad almost immediately with cash pickup services.

It will typically be slower with banks though, as well as money transfer services you’re either paying with a bank deposit or are delivering money to the recipient’s bank account.

Emergency cash transfer

Services such as Western Union or MoneyGram can get funds to the recipient in just minutes, although these high-speed transfers will also generally be more expensive than other options.

What services send emergency transfers?

How to send money to Chad without a bank account

If you don’t have a bank account you can still send money to Chad by paying in person at a local agent location. If the recipient doesn’t have a bank account, they can still pick up cash or may also be able to collect funds with mobile money.

What to watch out for

Cash transfers are one of the more popular ways of sending money to Chad, despite the large landmass and largely rural country.

Mobile money services haven’t taken off to the same extent in Chad as neighboring countries, so this may not be a popular option for everyone.

Documentation you’ll need to send money to Chad

If you’re sending money to Chad, you may be asked to provide:

Identification. Your personal ID and details such as your name, address and contact details.
Transfer amount. How much you want to send in XAF.
Recipient’s details. Who the recipient is, how they should receive the money and their contact details.
Reason for sending the money. You may be asked why you’re sending the money and, in some cases, may be required to verify this reason with additional documentation.

What to compare to get the best deal

To find the option that’s best for you, look at:

Fees. How much you’re being charged in flat fees for the transfer.
Exchange rates. How much margin you’re paying on the exchange rate, as a percentage of the transfer.
Transfer speed. How long it will take the funds to arrive.
Payment options. The different ways of paying for a transfer. For example, with credit card, cash in hand or via bank transfer.
Delivery methods. This is whether you want the funds delivered as cash, sent to a mobile wallet or put into the recipient’s bank account.
Customer service. Does the transfer service offer 24/7 support or just during business hours?

Foreign exchange rates explained

Exchange rates are how much of one currency you get for the other. In this case, the other currency will be XAF or Central African CFA francs.

XAF is pegged to the euro, so your exchange rates will fluctuate based on how the euro is doing. Look at the mid-market rates (below) and compare that to an exchange rate quoted by a transfer service to see how much you’re paying on exchange rate margins.

Today’s exchange rate USD to XAF

Cash pickup locations in Chad

Western Union
BCC SIEGE
Address: Avenue Charles De Gaulle, Ndjamena
Hours: Monday to Thursday 8am to 5pm, Friday 8am to 12pm, Saturday 8am to 2pm
Phone: +235-22519660
ECOBANK TCHAD
Address: 421 Avenue Charles De Gaulle B, Ndjamena
Hours: Monday to Friday 7am to 6pm, Saturday 7am to 2pm
Phone: +235-524985
EMI MONEY KOUSSERI
Address: Kousseri Centre, Kousseri, Extreme Nord
Hours: Monday to Saturday 8am to 5pm, Sunday 8am to 3pm
Phone: +237-79-532212
WorldRemit
Express Union – Dembé
Address: Située entre le Rond Point Chagoua et le Rond Point Dembé
Hours: Monday to Thursday 7:30am to 4:30pm, Friday 7:30am to 3pm, Saturday 7:30 to 2pm, Sunday 8am to 3pm
Phone: –
Express Union – Kabalaye
Address: Située sur l’Avenue Bokassa à coté du rond point de l’union
Hours: Monday to Thursday 7:30am to 4:30pm, Friday 7:30am to 3pm, Saturday 7:30am to 2pm, Sunday 8am to 3pm
Phone: –
Express Union – Normandie
Address: Avenue Charles de Gaule en face ancien Cinéma le Normandie
Hours: Monday to Thursday 7:30am to 4:30am, Friday 7:30am to 3pm, Saturday 7:30am to 2pm, Sunday 8am to 3pm
Phone: –
MoneyGram
EXPRESS UNION PARIS CONGO – N’Djamena
Address: Situee en face de Gredia, N’Djamena
Hours: Monday to Thursday 7:30am to 4:30pm, Friday 7:30am to 3pm, Saturday 7:30am to 2pm
Phone: 22523783
MOUNDOU RP
Address: Quartier Administratif, N’Djamena
Hours: Monday to Friday 7am to 6pm, Saturday 7:30am to 3pm
Phone: –
TCHADEX
Address: Rue du Contournement, BP 2043, N’Djamena,
Hours: Monday to Saturday 7am to 6pm
Phone: 66390133

Bottom line

Central African CFA francs are not one of the world’s most popular currencies, which means you won’t have as many options to choose from. But there are still options available for online transfers and cash transfers. To get the best deal, compare money transfer companies before getting started.

WorldRemit Deals

Zero fees on your first THREE money transfers

Send money with WorldRemit using the code '3FREE' and pay no fees on your first three money transfers

Last verified 17 Sep 2020

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Coupon code ends 30 Nov 2020

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Andrew Munro

Andrew Munro is the cryptocurrency editor at Finder. He was initially writing about insurance, when he accidentally fell in love with digital currency and distributed ledger technology (aka “the blockchain”). Andrew has a Bachelor of Arts from the University of New South Wales, and has written guides about everything from industrial pigments to cosmetic surgery.

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