ChadXAFCentral African CFA Franc

Money Transfer to Chad

  • We lock the rate before payment
  • More than 100 transfers every day
  • Support at every stage of the transfer
546.94 XAFper 1 USDT+0.1% over 24hCalculation refreshed today at 06:491 USDT = 546.94 XAFOfficial rate; the final rate in the request may differ.
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XAF (Central African CFA franc) - the common currency of 6 CEMAC countries, firmly pegged to EUR: 655.957 XAF = 1 EUR since 1999. Russians transfer money to Chad to family, business partners, and for humanitarian aid through Societe Generale Tchad and UBA Chad.

How to transfer money from Russia to Chad

The route, the receiving bank and the payout amount are agreed before payment.

XAF to a bank account via SWIFT. ATM24 conducts international transfers in Central African CFA francs (XAF) through available banking routes. To make a transfer, you typically need the SWIFT/BIC code of the bank, account number, and recipient's full name. Chad uses XAF — the common currency of six countries of the Central African Economic and Monetary Community (CEMAC). The XAF rate is firmly pegged to the euro at 1 EUR = 655.957 XAF. Leading banks in the country include Société Générale Tchad and UBA Chad, which handle international bank transfers.

Bank checks and transfer conditions

Chad has not imposed its own sanctions against Russia; however, international transactions undergo standard AML/KYC and compliance checks. ATM24 verifies the available route in advance before payment. ATM24 commission — from 0.9%, international transfer time — 3–5 business days.

Ways to transfer money to Chad

Pick the way that suits the recipient — we agree the route and the details before payment

To Visa/Mastercard

Card transfer for personal use. Bank cards work in N'Djamena at major hotels. ATM network is limited; XAF/USD cash is preferable. Check with an ATM24 manager for the current route

  • CBT
  • BGFI Bank Tchad
  • Ecobank Tchad

To XAF bank account

SWIFT transfer - the main method for transfers to Chad. Banks: Societe Generale Tchad, UBA Chad, Commercial Bank Tchad. Details: SWIFT code + account number + name (no IBAN). XAF is firmly pegged to EUR: 1 EUR = 655.957 XAF. SWIFT/BIC is taken from the recipient's details and verified before payment.

  • Time: 3-5 business days
  • CBT
  • BGFI Bank Tchad
  • Ecobank Tchad

XAF cash

Cash is the main payment method in Chad. XAF is dispensed by ATMs of Societe Generale Tchad and UBA Chad in N'Djamena. USD and EUR are accepted at city hotels and exchange offices. Details on cash withdrawal in Chad: check with an ATM24 manager

  • Ndjamena
  • Abeche
  • Doba

ATM24 transfers XAF from Russia to Chad. The route is selected individually; submit your request through an ATM24 manager.

Rates and cost of a transfer to Chad

We accept RUB, USD, EUR and USDT — we pay out in XAF

Reference rate for today

  • RUB XAF

    6.1per 1 RUB

    10 000 ₽ = 61 007 XAF
  • USD XAF

    546.94per 1 USD

    100 $ = 54 694 XAF
  • EUR XAF

    620.02per 1 EUR

    100 € = 62 002 XAF
  • USDT XAF

    546.94per 1 USDT

    100 USDT = 54 694 XAF

What the recipient gets — at 1 USDT = 546.94 XAF

You sendPayout in XAF
100 USDT54 694 XAF
300 USDT164 083 XAF
500 USDT273 471 XAF
1 000 USDT546 943 XAF
5 000 USDT2 734 713 XAF
Reference values update automatically. The final fee and rate are locked in the request before payment.

Banks and payment infrastructure — Chad

Where recipients usually get the money in Chad

  • BGFI Bank Tchad

    BGFI Bank Tchad — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.

  • Ecobank Tchad

    Ecobank Tchad — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.

  • BSIC Chad

    BSIC Chad — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.

  • UBA Chad

    SWIFT: verify (UNAF + TD...); Accepts transfers from Russia: Check with ATM24 manager

How payments work in Chad

  • National currency

    XAF (Central African CFA franc) - the common currency of six CEMAC countries. The rate is firmly pegged to EUR: 1 EUR = 655.957 XAF. Issuer - BEAC.

  • Card systems

    Visa and Mastercard have limited presence in major cities of N'Djamena. The regional processing center GIMAC handles card operations in the CEMAC zone. ATMs are concentrated in the capital.

  • Payment applications

    Orange Money and Airtel Money are the main mobile money systems in Chad. They cover a significant share of the population, especially outside the capital. Wave (Francophone Africa) is also present in several cities.

  • Interbank transfers

    BEAC (Banque des Etats de l'Afrique Centrale) manages interbank processing in the CEMAC zone. SWIFT is accepted through major banks in N'Djamena (Ecobank, Societe Generale Tchad). IBAN is not used in Chad.

  • Financial regulator

    BEAC (Banque des Etats de l'Afrique Centrale) - central bank and XAF issuer. COBAC (Commission Bancaire de l'Afrique Centrale) - supervisory authority for banks in the CEMAC zone. Chad does not apply Western sanctions against Russia.

  • Special features for ATM24

    Chad's financial infrastructure is limited: banks are concentrated in N'Djamena. Chad does not apply sanctions against Russia. ATM24 selects a route (bank transfer or mobile money) for each request; the receiving bank and SWIFT are confirmed before payment.

With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.

How the transfer works to Chad

Three steps from request to payout

  1. Step

    Send a request

    Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route

  2. Step

    Agree the route

    We check the recipient details and confirm the route, rate, fee and payout amount

  3. Step

    Pay for the transfer

    Once paid, the transfer goes out along the agreed route — we report the status in the messenger

What to prepare for the transfer

To XAF bank account

  • Details: SWIFT code + account number + name (no IBAN)
  • SWIFT/BIC is taken from the recipient's details and verified before payment.

We verify the exact details when agreeing the available route before payment.

Why people choose ATM24

Facts, not promises

No surprises on the rate

You see the rate, the fee and the payout amount before you send the money.

Request to ChadLocked in
Rate
1 USDT = 546.94 XAF
Payout method
Bank transfer
Payout currency
XAF
The rate and the amount are locked when the request is confirmed and do not change afterwards.

Terms are known before payment

The route, rate, fee and payout amount are agreed before payment.

  • Route
  • Rate
  • Payout amount

Cash payout

Reference cities with payout locations. Availability of a specific location is confirmed in the request.

  • Ndjamena
  • Abeche
  • Doba

Confirm the city before payment

Available payout options

Only methods present in both the country description and the current route are shown.

You send
  • RUB
  • USD
  • EUR
  • USDT
XAF
They receive
  • Bank transfer
  • Cash
  • MoneyGram
  • Western Union

Customer reviews

Real stories from real people

Дмитрий Першин

Google

Needed cash, quickly and without pitfalls! Manager Sofa, thank you!

Read full review

Александр Юдин (GeeXUP)

Google

Everything is clear, fast. They stay in touch and explain every stage of the deal, great people. The rate may sting a bit, but it’s a fast way to get cash.

Read full review

Sergei Domkevich

Google

Everything went fast and convenient, through the ATM. I was afraid of a scam, but everything is honest. Thanks operator Ekaterina

Read full review

Ульяна Фомина

Google

Everything was wonderful. I needed cash baht, only Russian rubles were on the card. Found this service, at first distrust, but then we read the instructions and calmed down 😄 Everything went pretty quickly, honestly, the rate is quite good, manager Alisa responded to messages promptly and guided us, special thanks to her. Thanks to the courier for the work too 👍

Read full review

Transfers to other countries

We agree the rate and the payout method before payment — pick where the money goes.

Questions about Chad and transfers

Frequently asked questions about transfers from Russia to Chad (XAF) and about this country.

How can I send money to Chad with payout in XAF through ATM24?

To send money to Chad with payout in XAF through ATM24, start with the recipient's exact route for the Central Africa XAF payout route. ATM24 confirms the amount, payment method, fee from 0.9%, timing from 15 minutes, and bank such as Orabank Tchad. Bank-route examples for Chad: Orabank Tchad, Ecobank Tchad, Société Générale Tchad, UBA Tchad, and Commercial Bank Tchad.

Can the recipient receive a transfer on a card or bank account in Chad in XAF?

Yes, where available, the recipient can receive a transfer on a bank-issued card or bank account in Chad in XAF on the Central Africa XAF payout route. ATM24 checks the bank, card or account number, recipient name, and payout currency before payment; Visa, Mastercard, UnionPay, or local bank-card availability depends on the route. For example, Ecobank Tchad may require a different set of details than UBA Tchad, so card and account routes are confirmed separately. Bank-route examples for Chad: Orabank Tchad, Ecobank Tchad, Société Générale Tchad, UBA Tchad, and Commercial Bank Tchad.

Which banks can receive a transfer to Chad in XAF?

A bank transfer to Chad in XAF should be tied to the recipient's actual bank, including Orabank Tchad, Ecobank Tchad, Société Générale Tchad, UBA Tchad, and Commercial Bank Tchad. ATM24 checks bank name, account format, recipient-name match, and route availability. If the bank changes, the route is reviewed again before payment.

What recipient details are needed to send money to Chad in XAF?

Recipient data for Chad in XAF depends on the actual payout channel: Orabank Tchad, Ecobank Tchad, Societe Generale Tchad, UBA Tchad, account route, and XAF payout data. ATM24 reviews name spelling, bank or service fields, amount, and payment purpose. The sender pays only after the required details are confirmed. Bank-route examples for Chad: Orabank Tchad, Ecobank Tchad, Société Générale Tchad, UBA Tchad, and Commercial Bank Tchad.

How long does a money transfer to Chad in XAF take?

An XAF transfer to Chad may start from 15 minutes, but the actual timing depends on the payout route. ATM24 checks Orabank Tchad, Ecobank Tchad, Societe Generale Tchad, UBA Tchad, card route, or account route before the sender pays. If the bank or service asks for clarification, the transfer can take longer. Bank-route examples for Chad: Orabank Tchad, Ecobank Tchad, Société Générale Tchad, UBA Tchad, and Commercial Bank Tchad.

What is the fee for sending money to Chad with payout in XAF?

For an XAF transfer to Chad, the ATM24 fee starts from 0.9% and is calculated before payment. Orabank Tchad, Ecobank Tchad, Societe Generale Tchad, UBA Tchad, account route, and sender payment method can affect the final XAF amount. External sender-provider fees are separate. Bank-route examples for Chad: Orabank Tchad, Ecobank Tchad, Société Générale Tchad, UBA Tchad, and Commercial Bank Tchad.

Can I pay by international card, bank transfer, or USDT while the recipient receives XAF in Chad?

Yes, ATM24 can calculate an XAF transfer to Chad when the sender pays by card, bank transfer, USDT, or another confirmed method. The manager checks Orabank Tchad, Ecobank Tchad, Societe Generale Tchad, UBA Tchad, payout route, and exchange conditions. External sender fees are not mixed into the XAF amount shown before payment. Bank-route examples for Chad: Orabank Tchad, Ecobank Tchad, Société Générale Tchad, UBA Tchad, and Commercial Bank Tchad.

What is the minimum and maximum transfer amount to Chad in XAF?

For Chad, the minimum XAF transfer through ATM24 starts from 100 USD or the equivalent. The upper limit is route-based: the manager checks Orabank Tchad, Ecobank Tchad, recipient details, payout method, and document requirements before payment. A route through Ecobank Tchad may have different limits than a card or non-bank payout. Bank-route examples for Chad: Orabank Tchad, Ecobank Tchad, Société Générale Tchad, UBA Tchad, and Commercial Bank Tchad.

What documents are needed for a large transfer to Chad in XAF?

For Chad, a large XAF payout can require extra checks for Chad XAF bank route, recipient-name match, account details, payout limit, payment purpose, and source-of-funds review. ATM24 reviews the sender, recipient, payout method, and payment purpose before payment. If documents are needed, the manager tells the sender before the order is paid. Bank-route examples for Chad: Orabank Tchad, Ecobank Tchad, Société Générale Tchad, UBA Tchad, and Commercial Bank Tchad.

How much will the recipient get in XAF if I send 1000 USD to Chad?

For a 1000 USD transfer to Chad, the estimated recipient amount in XAF is calculated by the live route: 546,942.65 XAF. ATM24 includes the fee from 0.9%, exchange conditions, and Orabank Tchad, Ecobank Tchad, Societe Generale Tchad, UBA Tchad, account route, and XAF payout data in the calculation. The final XAF amount is fixed before payment. Bank-route examples for Chad: Orabank Tchad, Ecobank Tchad, Société Générale Tchad, UBA Tchad, and Commercial Bank Tchad.

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Send money to Chad with ATM24

We check the available payout method, rate and route and confirm the terms before payment.

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