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Send money to Togo

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

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.

Compare money transfer services to Togo

Our table lets you compare the services you can use to send money abroad. Compare services on transfer speeds and fees, then click Go to site when you're ready to send.
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
24 hours

View details
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Dunbridge Financial
Dunbridge Financial
24 hours

View details
Dunbridge Financial offers competitive exchange rates and zero fees on transfers to more than 120 countries.
Within minutes

View details
XE has fast transfers with low fees and a range of foreign currency tools.
Within an hour
From $1.99

View details
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Within minutes
From $0
SPECIAL OFFER ✓ Free transfers and better exchange rates available for new customers

View details
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.

Compare up to 4 providers

Best ways to send money to Togo

Online money transfer providers typically offer the strongest exchange rates and lowest fees on money transfers to Togo. Some offer cash pickup in as little as a few minutes, while others transfer to bank accounts.

1. Digital money transfer services

Companies like Ria and XE specialize in foreign currencies, making them some of the most cost-effective ways to send money to Togo. Most offer transfers directly to your recipient's bank account in Togo, often in as little as a day or two.
  • Why? Digital money transfer services are cheaper because they exist online and don't have as many employees or physical locations.

2. Cash transfers

Services like MoneyGram and Remitly allow you to transfer cash for pickup at a local branch in Togo— often in 15 minutes. While it's a fast way to send money, you'll pay for the convenience in weak exchange rates and high fees.
  • Why? Picking up cash is more expensive because more people are involved.

3. Banks

The West African CFA franc may be offered by your bank, but beware of high fees and wide margins on the exchange rate. Compare bank transfers to digital services and other options before sending a wire transfer to Togo.
  • Why? Banks offer money transfers as a secondary service so don't strive to offer competitive prices.

Let's crunch the numbers: Sending $1,000 to Togo

Let's say you need to send $1,000 to family in Togo. Here's what you might face as far as fees and exchange rates using today's rate of 1 USD = 0.000 XOF.
Digital money transfer service Cash transfer Bank transfer
Fee $0 $4 $25 + additional correspondent bank fees
Exchange rate 1 USD = 0.000 XOF 1 USD = 0.000 XOF 1 USD = 0.000 XOF
Transfer speed 1-2 days Minutes 2-5 days
Amount received XOF$0 XOF$0 XOF$0
  • Better than the bank
  • Fastest and best value
  • Slowest and most expensive

The bank option ends up being the slowest and gets the smallest amount of money to your recipient in Togo. A cash transfer sends the most, which is XOF$0 more than the bank. For speed, a cash transfer can typically have your transfer to Togo in as little as 15 minutes. Make sure there's a cash pickup location near your recipient before sending.

How to send money to Togo online

Sign up and send money to Togo with a digital money transfer specialist in four steps:

  1. Sign up for a free account. Compare and pick a provider before signing up for a free online account using your contact information, proof of ID and preferred payment method.
  2. Provide transfer details. Submit your recipient's contact information and pick a delivery method. If transferring to a bank, you'll need their bank account details in Togo.
  3. Confirm transfer details. Double-check your payment method, expected fees and destination.
  4. Save your receipt. Record your receipt's confirmation number to track the progress of your transfer to Togo. Some money transfer providers send a text or email when your transfer is complete.

Get the most out of your money transfer to Togo

Weigh costs and fees against convenience to best compare money transfer providers that send to Togo. Consider:

  • Exchange rates. The USD–XOF relationship fluctuates, so using a service that allows you to lock in exchange prices may help you save money down the line if the West African CFA franc rises against the US dollar.
  • Transfer fees. Transferring money overseas nearly always requires fees, but they might be hidden in the exchange rate. When sending large amounts, it may be cheaper to pay a flat fee to secure a stronger USD–XOF exchange rate.
  • Transfer limits. How much you can send varies by company, and different amounts can attract higher or lower fees. Shop around for the best deal on the amount of West African CFA francs you're sending to Togo.
  • Turnaround. Transferring money through a local bank can take a business week or longer. If you need the funds delivered quickly, seek out a digital specialist that offers instant transfers to Togo.
  • Sending limits. Comparing prices for one large transfer instead of many small transfers is typically easier, so picking the service you use based on how much you're sending is a valid strategy for saving money.
  • Transfer methods. Whether you want money sent to a bank account in Togo or picked up as cash at a local agent, narrow down a company that matches your preferred delivery method.

How to send money to Togo without a bank account

If you don't have a bank account, look for a local company that supports storefronts for cash payments. These services include agent locations in other countries that allow your recipient to pick up West African CFA francs without a bank account.

Emergency cash transfer

When urgency trumps cost to get your money to Togo quickly, look for money transfer companies that support cash pickup in minutes. You can pay with a credit or debit card for fast pickup, but fees are higher than other methods.

Togo's exchange rates explained

Banks and money transfer companies use exchange rate to calculate how much Togo's currency is worth when converted to USD. The USD-XOF relationship can change daily based on global economic stability, interest rates, inflation and more.

Today's exchange rate USD to XOF

Updated: 31 Jul 2021 21:37:04 UTC

What to watch out for

Sending money to relatives or family members in Togo may be subject to taxes on the money transfer and certain documents may be required.

Taxes on transfers to Togo

In general, any large transfers being sent from the US to Togo should be filed with the IRS to avoid any penalties.

Required information

Receiving money in Togo:

  • Transfer confirmation details like a transfer number, an MTCN, a reference number or a tracking number, depending on the company.
  • Government-issued ID like a passport or similar official ID may be required to pick up your transfer.
  • Sender's information. Take along your sender's full name, the sending country and their address, if known.

Sending to Togo from the US:

  • Proof of identification like a government-issued ID or your SSN number.
  • Recipient information like their name, address and bank account information in Togo.

Bottom line

Sending your hard-earned money to Togo shouldn't cost a fortune. Compare money transfer companies that specialize in foreign transactions for the strongest rates, lowest fees and flexible delivery. For transfers to other countries, rely on our country-specific guides the next time you need to make a transfer.

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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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