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Send money to Togo

If you need to send money to Togo, our guide will help you learn how.


Fact checked

Whether you have a friend or family member who needs a little help or are sending money to a visitor, transferring money from the US to Togo can be a simple process. You can use a money transfer service or go through a bank, but be sure to shop around before you decide so you can get the best exchange rates.

Send money to Togo with WorldRemit

WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.

  • No minimum transfers.
  • Wide range of destinations.
  • Competitive exchange rate.

Banks versus money transfer companies

Although major US banks offer money transfer services, they usually have less competitive exchange rates and high transfer fees. It’s cheaper and sometimes faster to use the services of a dedicated money transfer company. These providers specialize in handling overseas money transfers, offering attractive exchange rates and affordable transfer fees.

Compare money transfer services to Togo

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
$1,000 1 day USD 0.00 539.272 XOF 2,696,362 OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies. Go to site Show details
$1 Same day USD 0.00 542.268 XOF 2,711,341 XE has fast transfers with no fees and a range of foreign currency tools. Go to site Show details
$1 Within an hour USD 3.99 542.432 XOF 2,709,994 WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups. Go to site Show details
$1 3 - 5 days USD 20.00 531.102 XOF 2,644,886 Western Union sends money online to friends and family in 200+ countries around the world. Show details
$1 Within an hour USD 8.00 532.463 XOF 2,658,057 MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide. Show details
$10 Within an hour USD 1.99 533.825 XOF 2,668,063 Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Go to site Show details

Compare up to 4 providers

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

Case Study: Nick Sends Money to Togo

Nick has relocated to the United States with his wife and kids to work, but when his parents back home in Lomé get into financial trouble he’s happy to help. He promises to send them $1,000 to help pay off their debts but, rather than taking the disappointing exchange rate offered by his bank, he shops around and finds two money transfer companies willing to offer a much more affordable transaction.

Money transfer company 1Money transfer company 2
Exchange rate$1 USD = $585.060 XOF$1 USD = $570.195 XOF
Transfer fee$0$16
Transfer methodCash pickup or bank account depositCash pickup
Processing time1 hour for cash pickup, 3-4 business days for bank deposit10 minutes
Amount received (in XOF)$585,060 XOF$570,195 XOF

As you can see, Nick can send almost $15,000 XOF extra (and avoid paying a transfer fee) if he uses the first company.

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Find the right company by comparing these details

  • Exchange rates. How does the company’s exchange compare to the competition?
  • Fees. How much will you have to pay per transfer, and does this amount differ based on the amount you send or the transfer method you select?
  • Transfer methods. What do you need to do to place a transfer? Can you visit a website, make a phone call, visit a branch or use a smartphone app?
  • Transfer options. Can you lock in an ideal exchange rate now and transfer the money later, known as a forward contract? Does the institution offer limit orders, which allows you to take advantage of changing market conditions by executing the money transfer when a certain exchange rate is met? Can you schedule recurring payments?
  • Turnaround time. How long will the transfer take from the moment you hand over the cash to the moment your recipient can access the funds?
  • Minimum limit. If a minimum transfer limit applies, how high is it? Is there a maximum transfer limit?
  • Pickup methods. Can your beneficiary collect the cash from a transfer agent, or will they need to wait for it to be deposited into their bank account?
  • Customer service. Can you rely on phone, email and online customer support if you ever need help?

Foreign exchange rates explained

As of January 2018, the rate of a West African CFA Franc (XOF) to US Dollar (USD) sits at about 1 USD to 555.61 XOF. This number fluctuates daily due to different political and economic influences, so it’s important you compare exchange rates over the course of a few days to be sure you’re trading money at the highest value.

Today’s exchange rate USD to XOF

Steps to send money to Togo

  1. Find a money transfer company from the table above and click Go to Site.
  2. Give a bit of information about yourself–name, contact information, address, etc. A valid form of photo ID, such as a driver’s license or a passport, will also be required.
  3. Give information about your recipient (name, contact details).
  4. Decide the amount of money you want to transfer and where you want it send.
  5. Save your tracking number to ensure your transfer got to your recipient.

Options for sending money from America to Togo

  • Bank transfers. Transfer the funds from your American bank account to a bank account in Togo.
  • Online money transfer providers. Companies like TransferMate can help you send secure and affordable transfers.
  • Money transfer companies with cash pickup options. Western Union and MoneyGram offer fast and secure transfers, with the cash available for pickup from agent locations throughout Togo.

Tips for picking up cash in Togo

  • Avoid cash pickup locations in unsafe areas.
  • Ask a friend to join you when you go to pick up the cash.
  • Don’t display your cash in public.
  • Don’t carry a large amount of cash around in your wallet – deposit it with your bank or in a hotel safe.
  • Stay aware of your personal security at all times.

Emergency cash transfers in Togo

You’ve just had an urgent phone call from your family in Togo — they need money as soon as possible to settle a debt. Sending an instant transfer is quite easy, but you will have to pay more. Make sure you closely check all the details of any transaction before you commit to it since the fees will likely be high. It’s not the best option, but when you’re in need, there are emergency services available.

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4 Responses

    Default Gravatar
    KeshaFebruary 28, 2019

    We are US citizens and bought land in Togo this past year. We are wanting to build a vacation home on the land. We still have relatives that live in Togo that we trust. How can we send large amounts of money to Togo and avoid a lot of small transactions.

      Avatarfinder Customer Care
      JoshuaMarch 3, 2019Staff

      Hi Kesha,

      Thanks for getting in touch with Finder. I hope all is well with you. :)

      There are a few options that you have, Kesha. You can do a bank to bank transfer or use a money transfer service provider. However, generally speaking, it is the latter that gives you better rates.

      Now, if you are sending a large amount of money, you would need to declare that to the IRS, especially if your money transfer exceeds $10,000. You can learn more about this by getting in touch with the IRS.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


    Default Gravatar
    PatrickFebruary 28, 2019

    Can money be sent from Africa (Nigeria, Ghana or Togo) to the USA via Western Union or MoneyGram?

      Avatarfinder Customer Care
      JoshuaMarch 3, 2019Staff

      Hi Patrick,

      Thanks for getting in touch with Finder. I hope all is well with you. :)

      Yes. Generally speaking, Western Union and MoneyGram are accepted in Africa. You would simply need to find an agent location in Africa to commence your money transfer. Alternatively, you can also visit the website of MoneyGram by clicking on the “Go to site” green button found on the table above.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


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