ComorosKMFComorian Franc
KMF (Comorian franc) is pegged to EUR via Banque de France: 1 EUR = 491.968 KMF (fixed). Comoros is an archipelago of three islands: Grande Comore (Ngazidja), Anjouan, and Mohéli. Banks: BDC and BIC (Banque pour l'Industrie et le Commerce des Comores) accept SWIFT transfers without IBAN. Comoros has not introduced sanctions against Russia. ATM24 manager clarifies the route taking into account the destination island before confirmation.
The route, the receiving bank and the payout amount are agreed before payment.
The national currency is the Comorian franc (KMF), which is pegged to the euro at a rate of 1 EUR = 491.968 KMF under a currency agreement with France; Banque de France guarantees convertibility. Comoros is an archipelago of three main islands: Grande Comore (Ngazidja), Anjouan, and Mohéli. The central bank and regulator is Banque Centrale des Comores (BCC), located in Moroni on the island of Grande Comore. The IBAN format is not used in Comoros: for an international SWIFT transfer, you typically need the bank's SWIFT/BIC code, account number, recipient's full name, and bank address. The main bank is Banque de Développement des Comores (BDC), a state bank headquartered in Moroni; there is also the commercial Exim Bank Comoros.
The country's banking network is relatively small, so ATM24 clarifies the route in advance taking into account the specific bank and destination island. Comoros has not introduced its own sanctions against Russia. Official languages are Comorian, Arabic, and French; banking documents are usually drafted in French. International SWIFT transfer time is 2–5 business days. ATM24 commission is from 0.9%.
Visa/Mastercard of banks in Comoros: KMF credited to the recipient's card in Moroni. BDC (Banque de Développement des Comores), BIC (Banque pour l'Industrie et le Commerce). Recipient's full name and 16-digit card number. KMF is calculated from EUR equivalent (1 EUR = 491.968 KMF)
SWIFT transfer to an account: IBAN is not used in Comoros - only SWIFT + account. BDC - state bank of Comoros; main SWIFT route. Details: SWIFT code + account number + full name + bank address. ATM24 manager clarifies the route for the specific destination island
KMF cash in Moroni - the capital of Comoros on the island of Grande Comore. Moroni is the only major financial center of the archipelago. In Anjouan (Mutsamudu) and Mohéli - limited access to cash. Availability and route are confirmed by ATM24 manager before sending
Details for transfer to Comoros: SWIFT code of the bank, account number, recipient's full name, bank address. IBAN is not used in Comoros. KMF is pegged to EUR: 1 EUR = 491.968 KMF (fixed via Banque de France). Comoros has not introduced sanctions against Russia. ATM24 manager confirms the route taking into account the destination island before payment.
We accept RUB, USD, EUR and USDT — we pay out in KMF
RUB KMF
4.45per 1 RUB
10 000 ₽ = 44 464 KMFUSD KMF
394.74per 1 USD
100 $ = 39 474 KMFEUR KMF
454.09per 1 EUR
100 € = 45 409 KMFUSDT KMF
394.74per 1 USDT
100 USDT = 39 474 KMF| You send | Payout in KMF |
|---|---|
| 100 USDT | 39 474 KMF |
| 300 USDT | 118 423 KMF |
| 500 USDT | 197 372 KMF |
| 1 000 USDT | 394 744 KMF |
| 5 000 USDT | 1 973 720 KMF |
Where recipients usually get the money in Comoros
Banque de Développement des Comores BDC — a development bank or specialist financial institution commonly associated with project finance, accounts, and targeted programs.
Exim Bank Comoros — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Meck Comores — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
Banque Fédérale de Commerce BFC — a commercial bank for personal and corporate customers. Core services include accounts, cards, payments, and settlement services.
Al Watany Bank — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
National currency
The national currency is the Comorian franc (KMF), which is pegged to the euro at a rate of 1 EUR = 491.968 KMF through a currency agreement with France and the Banque de France mechanism.
Card systems
Visa and Mastercard have limited presence in Moroni. The country uses the Comorian franc (KMF). BDC and BIC are the main banks. Most transactions are cash-based. Remittances from the diaspora constitute a significant share of GDP.
Payment applications
M-Pesa (Telma Comores) and Orangetel Money are mobile wallets for domestic P2P transfers. Banque de Développement des Comores App serves bank customers. Coverage is limited to populated areas with mobile connectivity.
Interbank transfers
The IBAN format is not used in Comoros: for international transfers, the bank's SWIFT/BIC code and account number are used.
Financial regulator
Banque Centrale des Comores (BCC) - the central bank and primary financial regulator of the country.
Specifics for ATM24
Comoros has not introduced its own sanctions against Russia.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
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Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
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We've compiled answers to questions about the Comorian franc KMF, the KMF to EUR rate, and transfers to Comoros.
To send money to the Comoros with payout in KMF through ATM24, start with the recipient's exact route for the the Comoros KMF payout route. ATM24 confirms the amount, payment method, fee from 0.9%, timing from 15 minutes, and bank such as Banque pour l’Industrie et le Commerce des Comores. Bank-route examples for the Comoros: Banque pour l’Industrie et le Commerce des Comores, Exim Bank Comores, Banque Fédérale de Commerce, Banque de Développement des Comores, and Banque Postale des Comores.
In the Comoros, a KMF transfer may go to a bank-issued card or bank account depending on the receiving bank. ATM24 checks the the Comoros KMF payout route through a bank such as Exim Bank Comores or Banque de Développement des Comores and confirms whether card payout, account payout, or only one option is available. The sender pays after that route is confirmed. Bank-route examples for the Comoros: Banque pour l’Industrie et le Commerce des Comores, Exim Bank Comores, Banque Fédérale de Commerce, Banque de Développement des Comores, and Banque Postale des Comores.
For bank payout in the Comoros, useful KMF references include Banque pour l’Industrie et le Commerce des Comores, Exim Bank Comores, Banque Fédérale de Commerce, Banque de Développement des Comores, and Banque Postale des Comores. ATM24 treats the bank named by the recipient as the working route and checks recipient name, account data, and route availability. The sender pays after that bank route is confirmed.
Recipient details for the Comoros in KMF depend on the bank or payout channel named in the order. ATM24 may need the recipient name, Banque pour l’Industrie et le Commerce des Comores or another bank, account or card data, and payment purpose. The sender pays only after those fields are confirmed. Bank-route examples for the Comoros: Banque pour l’Industrie et le Commerce des Comores, Exim Bank Comores, Banque Fédérale de Commerce, Banque de Développement des Comores, and Banque Postale des Comores.
For the Comoros, a KMF payout may be fast only after the selected channel is checked. ATM24 reviews Banque pour l’Industrie et le Commerce des Comores, Exim Bank Comores, Banque Fédérale de Commerce, Banque de Développement des Comores, and Banque Postale des Comores plus card or account payout options before giving timing. The manager confirms the expected time before the sender pays. Bank-route examples for the Comoros: Banque pour l’Industrie et le Commerce des Comores, Exim Bank Comores, Banque Fédérale de Commerce, Banque de Développement des Comores, and Banque Postale des Comores.
The ATM24 fee for sending money to the Comoros with payout in KMF starts from 0.9% on the the Comoros KMF payout route. The final calculation depends on the amount, payment currency, payout method, exchange rate, and the recipient's bank. If the sender pays by an international card or through a bank transfer, the card issuer or sending bank may charge its own foreign transaction, conversion, transfer, or dynamic currency conversion fee. Bank-route examples for the Comoros: Banque pour l’Industrie et le Commerce des Comores, Exim Bank Comores, Banque Fédérale de Commerce, Banque de Développement des Comores, and Banque Postale des Comores.
Yes, ATM24 can calculate a transfer to the Comoros in KMF where the sender pays by card, bank transfer, USDT, or another available method. ATM24 checks the the Comoros KMF payout route, payment currency, exchange conditions, bank details such as Banque pour l’Industrie et le Commerce des Comores or Banque Fédérale de Commerce, and the final payout amount. Sender-side card or bank fees are separate from the ATM24 calculation. Bank-route examples for the Comoros: Banque pour l’Industrie et le Commerce des Comores, Exim Bank Comores, Banque Fédérale de Commerce, Banque de Développement des Comores, and Banque Postale des Comores.
The minimum transfer amount to the Comoros in KMF through ATM24 starts from 100 USD or the equivalent. The maximum amount is confirmed before payment and depends on the the Comoros KMF payout route, sender payment method, bank, recipient details, and possible document requirements. If the recipient changes Banque pour l’Industrie et le Commerce des Comores to another bank or switches from account to card, the limit should be checked again. Bank-route examples for the Comoros: Banque pour l’Industrie et le Commerce des Comores, Exim Bank Comores, Banque Fédérale de Commerce, Banque de Développement des Comores, and Banque Postale des Comores.
For the Comoros, extra documents for a KMF payout depend on the route through Exim Bank Comores, Banque Fédérale de Commerce, or another confirmed channel. ATM24 may ask for identification, source of funds, recipient details, and payment-purpose wording. The list is confirmed after the amount and bank route are reviewed. Bank-route examples for the Comoros: Banque pour l’Industrie et le Commerce des Comores, Exim Bank Comores, Banque Fédérale de Commerce, Banque de Développement des Comores, and Banque Postale des Comores.
For the Comoros, a 1000 USD transfer can produce a different KMF result depending on the receiving route: 394,744 KMF. The ATM24 calculation includes Banque de Développement des Comores or another confirmed bank, payout method, fee from 0.9%, and exchange conditions. The sender sees the final amount before payment. Bank-route examples for the Comoros: Banque pour l’Industrie et le Commerce des Comores, Exim Bank Comores, Banque Fédérale de Commerce, Banque de Développement des Comores, and Banque Postale des Comores.
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