Send money to Somaliland

Compare fees and exchange rates to get the best deal on your next money transfer to Somaliland.


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This guide will help you get the best value for your pound by comparing which services you can use and showing you what you should look for when choosing one.

Compare services that send money to Somaliland from the UK

Table: sorted by a combination of service offering and the amount your recipient will receive

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
GBP 50 Same day GBP 2.99 742.781 SOS
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
An online money transfer service with cash pick-up, bank account to bank account and airtime transfers available.
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Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

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Step by step: How to send money to Somaliland

  1. Compare money transfer services here to find the one that’s best for you.
  2. Go to the service’s website and create an account.
  3. Enter the transfer details, make your payment and wait for confirmation that the money has been received.

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

The best way to send money to Somaliland depends largely on who’s receiving the money and how they want it.

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Internet and mobile money transfer services

You can directly use mobile money services such as Dahabshiil to send money to Somaliland from certain countries, but your options may vary depending on where you are. For example, when using WorldRemit the recipient will either have to use Zaad or the WorldRemit wallet.

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Cash transfers

If the recipient needs it as cash, you may be able to use certain services with agent locations in Somaliland.

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Bank transfers

Somaliland’s banking network is more geared towards business transfers than remittances and consumer payments, but you can still send personal bank transfers if needed. These will often be slower and more expensive than other options.

Somaliland’s banking network is more geared towards business transfers than remittances and consumer payments, but you can still send personal bank transfers if needed. These will often be slower and more expensive than other options.

Let’s crunch the numbers: Sending £500 to Somaliland

The table below shows how much it costs to send £500 from the UK to Somaliland as US dollars to give a sense of how much prices can vary between options. Although Somaliland’s currency is the shilling, USD is often used for transferring money and is accepted in most places.

Transfer service 1Transfer service 2
Exchange rate1 GBP = 1.02 USD1 GBP = 1.04 USD
Transfer speedInstantInstant
Amount received in USD for £500US$510US$520
Receiver getsUS$10 moreUS$10 less

In this case, both options can get the money there almost immediately and both require the recipient to have a Telesom ZAAD account.

And even though one has fees almost four times as high as the other, there’s only US$10 difference in the end, due to the service with higher fees also offering better exchange rates.

In this way, the most cost-effective option can depend on how much you’re sending.

How long will it take to send money to Somaliland?

Mobile money transfers and cash transfers can both get money to the recipient almost immediately, but there are some conditions to be aware of.

Bank transfers will often be slower.

Emergency cash transfer

If you want to send cash to Somaliland as quickly as possible, you should note that the speed of a transfer will vary depending on the payment method.

If you pay online with a bank transfer, it will typically take several days. But if you pay with card or at an agent location, it can be almost immediate. Keep in mind that card payments will often attract extra charges.

And in the end, how fast the money arrives depends on how fast the recipient can get to a pick-up location. You may also encounter issues with low transfer limits.

Instant mobile money transfer

Mobile money transfer services can let you send money to recipients anywhere in Somaliland without them needing to pick anything up.

However, your recipient will need to have a mobile money account with a suitable provider in order to receive the money. As such, your options will vary depending on whether you also have an account with the provider.

For example, you could use WorldRemit to send money to anyone in Somaliland with a Zaad account, even if you don’t have one yourself. But both you and the recipient might need a Dahabshiil account to use that instead.

Documentation you’ll need to send money to Somaliland

The documentation you will need to provide may vary depending on the service you use and how much you’re transferring.

Some things you might need to provide include:

  • Your personal details, such as name and address, and identification like a driver’s licence.
  • The transfer details, including how much you want to send and how you want to pay for it, as well as information such as the reason for the transfer.
  • The recipient’s details, including their name, mobile number and other information.

How to send money to Somaliland without a bank account

Both cash transfer services and mobile money transfers can be used without bank accounts.

What to look at when comparing money transfer services

If there are too many options, it can be difficult to compare them all. Some of the things you can look at to make the decision easier include:

  • Fees. Look at how much you’re being charged and see if it’s a flat fee or it’s percentage-based.
  • Exchange rates. If currency conversion is involved, consider the exchange rates you’re quoted. This can make even more of a difference than the fees.
  • Transfer speed. How long will the transfer take? If you’re not in a hurry, there might be a cheaper but slower option available.
  • Payment options. Find a payment method that works for you. For example, if you don’t want to make a bank transfer, you may want to look for a service which lets you pay with cash through an agent.
  • Delivery methods. How does the recipient want the money? Do they want to pick up cash, get it sent to their bank account or to their mobile phone?
  • Customer service. Make sure you know who to contact in case something goes wrong and that they can help you if needed.

Foreign exchange rates explained

Foreign exchange rates are how much of one currency you can get for another. It’s worth checking the exchange rates at the time of your transfer because it lets you see how much of a cut a transfer service is taking on exchange rate margins.

Generally, the best exchange rates will be the ones that are the closest to the official exchange rate (shown here) at any given time.

Updated: 30 Sep 2020 22:58:33 UTC

Cash pick-up locations in Somaliland

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