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Send money to the Democratic Republic of Congo

Compare your money transfer options before sending funds to Congo DRC.

The Democratic Republic of the Congo is more than big enough to host a wide range of money transfer options, which means you can shop around to find the best deal when sending money to the Democratic Republic of the Congo.

Compare options for money transfers to Congo DRC

The table below lets you compare options. Simply enter the amount and the currency you want to transfer, and it will run the numbers and show you how much different options may cost.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 1 Within an hour ZAR 50.00 38.762 XAF
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Compare up to 4 providers

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

How to send money to Congo DRC

  1. Choose a money transfer service. You can compare options here to make the decision easier.
  2. Sign up for an account if needed. With an account you can make a deposit and create a transfer.
  3. Make your transfer. Cash transfer services can help you in person, while online money transfers can send money after you create an account.

What’s the best way to send money to Congo DRC?

There are several ways of sending money to the Congo. The right one for you will depend on whether you want a faster transfer, a cheaper transfer, whether the recipient has a bank account and other factors.

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Banks in the Congo DRC are connected to the global SWIFT network, and you can send money transfers to the Congo through several different banks. This is reliable, but can also be slow and expensive.

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Cash transfers

You can send cash to the Congo through money transfer services such as Western Union and MoneyGram. This is often the fastest option, but comes at extra cost.

Blue icon representing money transfers Image: Infogram

Online money transfer services

If you’re looking for the most cost-effective option, online money transfer services will typically be the best choice.

Let’s crunch the numbers: Sending R5,000 to Congo DRC

The table below shows how much it costs to send money to the Congo with two different transfer services, when you’re sending R5,000. You can see how much the costs can vary between them and how much of a difference it can make.

Transfer service 1Transfer service 2
Exchange rate1 ZAR = 29.70 XAF1 ZAR = 31.68 XAF
Transfer speedWithin minutesWithin minutes
Amount received145,827 XAF153,648 XAF
Overall7,821 XAF less7,821 XAF more

Simply by comparing two different money transfer services, your recipient can end up with an extra 7,821 XAF on a transfer of R5,000.

What’s the fastest way to send money to Congo DRC?

The fastest options are usually cash transfers or mobile money transfers, and most money transfer services for Congo DRC offer one or both of these options.

This means you can count on fast transfers with most providers.

Emergency cash transfer

Services such as MoneyGram can offer cash pick-ups for people in the Congo DRC, through branches such as MoneyTrans.

Many services will also offer mobile money deliveries in the Congo DRC, through services such as Airtel Mobile Money. These are even faster, because the recipient doesn’t have to go to a branch to get the money.

How to send money to Congo DRC without a bank account

Both cash deliveries and mobile money services can let you send money to people in Congo DRC who don’t have a bank account.

If you need to send money to the Congo DRC without a bank account of your own, you can go to money transfer branches and pay for your transfer with cash.

Documentation you’ll need to send money to Congo DRC

You’ll typically need to provide some details on the transfer, including the reason for the transfer and the recipient’s name. Of course, you’ll also need to say how much you want to send and which currencies you want.

You will need to provide documents to prove your own details, including:

  • Your name, with proof of identity such as a passport or driver’s licence
  • Your contact details

What to compare to get the best deal

Factors to consider when comparing money transfer services include:

  • Fees. How much does the service cost in outright fees?
  • Exchange rates. What are the exchange rates being quoted? This can make even more of a difference than the fees.
  • Transfer speed. Will it arrive almost instantly, or will it take a day or two?
  • Payment options. Do you need to pay with cash or can you make a bank transfer?
  • Delivery methods. Does the recipient have a mobile money wallet? Can they get to a cash pick-up location?
  • Customer service. Who do you contact if something goes wrong?

Foreign exchange rates explained

The exchange rate refers to what one country’s currency is worth in another currency. In this case, it’s how much ‎Central African CFA franc‎ you get from one South African rand. If you want to get the best value for money, make your transfer when the ZAR is strong compared to the XAF.

Updated: 19 Oct 2021 23:55:13 UTC

Cash pick-up locations in Democratic Republic of the Congo

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