CongoXAFCentral African CFA Franc
Republic of Congo (Congo-Brazzaville) - not to be confused with DRC (Congo-Kinshasa): a separate CEMAC state west of the Congo River. XAF is the common currency of 6 CEMAC countries, managed by BEAC; 1 EUR = 655.957 XAF (fixed rate). BGFI Bank Congo and LCB (La Congolaise de Banque) accept SWIFT transfers in Brazzaville and Pointe-Noire. IBAN is not used. No sanctions against Russia. An ATM24 manager clarifies the details and route before confirmation.
The route, the receiving bank and the payout amount are agreed before payment.
The national currency is the Central African CFA franc (XAF), common to six CEMAC countries and fixed to the euro at the rate of 1 EUR = 655.957 XAF. The monetary system is regulated by Banque des États de l'Afrique Centrale (BEAC), the central bank of the CEMAC zone headquartered in Yaoundé, Cameroon. Republic of Congo, also known as Congo-Brazzaville, is an oil-based economy with two main financial centers: Brazzaville, the capital, and Pointe-Noire, a major oil port. IBAN format is not used in Republic of Congo: for international SWIFT transfers, you typically need the bank's SWIFT/BIC code, account number, recipient's full name, and bank address. Among major banks are BGFI Bank Congo, part of the BGFI Group and headquartered in Brazzaville, and LCB (La Congolaise de Banque), operating in Brazzaville and Pointe-Noire.
When arranging a transfer, it is important not to confuse Republic of Congo with Democratic Republic of Congo and clarify in advance with the recipient which city and bank holds the account. Republic of Congo has not imposed its own sanctions against Russia. The official language is French; banking documents are typically prepared in French. ATM24 checks the available route in advance before confirming the application. The standard time for international SWIFT transfer is 2–5 business days. ATM24 commission starts from 0.9%.
Visa/Mastercard cards from Congo banks: XAF credited to the recipient's card in Brazzaville or Pointe-Noire. BGFI Bank Congo, LCB (La Congolaise de Banque), Ecobank Congo. Recipient's full name and 16-digit card number. Amount in XAF = EUR equivalent x 655.957 (BEAC rate)
SWIFT transfer to account with BGFI Bank Congo or LCB: Congo banks operate by SWIFT code and account number, IBAN is not used here. BGFI Bank Congo - largest bank in Congo-Brazzaville; in Brazzaville. LCB (La Congolaise de Banque) - French capital; Brazzaville and Pointe-Noire. Details: SWIFT code + account number + full name + bank address
XAF in cash in Brazzaville (capital) and Pointe-Noire (oil port) - the two financial centers of Congo. Brazzaville - capital and political center of the country. Pointe-Noire - oil port and commercial center. Availability and payout locations - clarify with ATM24 manager
For Congo-Brazzaville you will need the SWIFT code of BGFI Bank Congo or LCB, the recipient's account number, full name and bank address - IBAN is not used here. XAF is pegged to EUR: 1 EUR = 655.957 XAF (BEAC). The route to Congo-Brazzaville is open without sanctions restrictions. Clarify with the recipient: account in Brazzaville or Pointe-Noire. An ATM24 manager verifies the route before payment.
We accept RUB, USD, EUR and USDT — we pay out in XAF
RUB XAF
6.25per 1 RUB
10 000 ₽ = 62 515 XAFUSD XAF
553.45per 1 USD
100 $ = 55 345 XAFEUR XAF
613.73per 1 EUR
100 € = 61 373 XAFUSDT XAF
553.45per 1 USDT
100 USDT = 55 345 XAF| You send | Payout in XAF |
|---|---|
| 100 USDT | 55 345 XAF |
| 300 USDT | 166 036 XAF |
| 500 USDT | 276 726 XAF |
| 1 000 USDT | 553 452 XAF |
| 5 000 USDT | 2 767 259 XAF |
Where recipients usually get the money in Congo
La Congolaise de Banque LCB — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
SWIFT: clarify; Description: BGFI Group (Gabon); largest bank in Congo-Brazzaville; Brazzaville
BCI Congo — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
SWIFT: clarify; Description: Pan-African network; Brazzaville
Société Générale Congo — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National currency
The national currency is the Central African CFA franc (XAF), fixed to the euro at the rate of 1 EUR = 655.957 XAF.
Card systems
Visa and Mastercard are available through banks in Brazzaville. The country is part of the CEMAC zone. Orange Money and Airtel Money are the main mobile payment systems. GIMAC provides regional card processing.
Payment applications
MTN Mobile Money and Airtel Money are the main mobile money operators in Congo-Brazzaville. Orange Money is also present. Mobile transfers cover a significant portion of the adult population outside Brazzaville.
Interbank transfers
IBAN format is not used in Republic of Congo: international transfers use the bank's SWIFT/BIC code and account number.
Financial regulator
Banque des États de l'Afrique Centrale (BEAC) - the central bank for six CEMAC zone countries and the main regulator of the monetary system in Republic of Congo.
Special features for ATM24
Republic of Congo has not imposed 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.
Real stories from real people
Manager Emil worked very promptly and answered all my clarifying questions, coordinated me and the courier, which allowed me to exchange currency for cash literally in 40 minutes without leaving home
Read full reviewExchanged rubles for baht, everything's great Fast and precise Special thanks to manager Ekaterina for the clear instructions
Read full reviewEverything is great! Used it for the first time, they explained everything clearly! 👍
Read full reviewHelped a lot. Turned it off quickly. Thank you. Highly recommend
Read full reviewThis organization offered a good rate, plus manager Egor explained everything in detail and was always available.
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
Country not found
We've collected answers to questions about the CFA franc XAF in Congo-Brazzaville, the XAF to EUR rate, and transfers from Russia.
To send money to Congo with payout in XAF through ATM24, start with the recipient's exact route for the Congo XAF payout route. ATM24 confirms the amount, payment method, fee from 0.9%, timing from 15 minutes, and bank such as BGFI Bank Congo. Bank-route examples for Congo: BGFI Bank Congo, La Congolaise de Banque, Ecobank Congo, Banque Postale du Congo, and United Bank for Africa Congo.
Yes, where available, the recipient can receive a transfer on a bank-issued card or bank account in Congo in XAF on the Congo 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, La Congolaise de Banque may require a different set of details than Banque Postale du Congo, so card and account routes are confirmed separately. Bank-route examples for Congo: BGFI Bank Congo, La Congolaise de Banque, Ecobank Congo, Banque Postale du Congo, and United Bank for Africa Congo.
Banks that can be reviewed for an XAF payout to Congo include BGFI Bank Congo, La Congolaise de Banque, Ecobank Congo, Banque Postale du Congo, and United Bank for Africa Congo. ATM24 checks whether the chosen bank route, card route, or account route can receive the transfer. The manager confirms the required details before the sender pays.
Recipient data for Congo in XAF depends on the actual payout channel: BGFI Bank Congo, La Congolaise de Banque, Ecobank Congo, Banque Postale du Congo, 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 Congo: BGFI Bank Congo, La Congolaise de Banque, Ecobank Congo, Banque Postale du Congo, and United Bank for Africa Congo.
A money transfer to Congo in XAF can start from 15 minutes after the selected route is confirmed. Timing depends on BGFI Bank Congo, La Congolaise de Banque, Ecobank Congo, Banque Postale du Congo, card route, or account route, amount, recipient details, and possible bank review. ATM24 confirms the expected timing before payment. Bank-route examples for Congo: BGFI Bank Congo, La Congolaise de Banque, Ecobank Congo, Banque Postale du Congo, and United Bank for Africa Congo.
An XAF transfer to Congo through ATM24 has a fee starting from 0.9%. The manager checks BGFI Bank Congo, La Congolaise de Banque, Ecobank Congo, Banque Postale du Congo, payout method, and exchange conditions before fixing the amount. Sender-bank and card-issuer fees are not included in the ATM24 calculation. Bank-route examples for Congo: BGFI Bank Congo, La Congolaise de Banque, Ecobank Congo, Banque Postale du Congo, and United Bank for Africa Congo.
Yes, the sender can use an available card, bank transfer, USDT, or another confirmed method while the recipient receives XAF in Congo. ATM24 checks BGFI Bank Congo, La Congolaise de Banque, Ecobank Congo, Banque Postale du Congo, card or account route, and final amount. Sender-side bank, card, and network costs are confirmed separately. Bank-route examples for Congo: BGFI Bank Congo, La Congolaise de Banque, Ecobank Congo, Banque Postale du Congo, and United Bank for Africa Congo.
The minimum transfer amount to Congo in XAF through ATM24 starts from 100 USD or the equivalent. The maximum amount is confirmed before payment and depends on the Congo XAF payout route, sender payment method, bank, recipient details, and possible document requirements. If the recipient changes BGFI Bank Congo to another bank or switches from account to card, the limit should be checked again. Bank-route examples for Congo: BGFI Bank Congo, La Congolaise de Banque, Ecobank Congo, Banque Postale du Congo, and United Bank for Africa Congo.
For Congo, a large XAF payout can require extra checks for Congo XAF bank route, recipient-name match, account details, route 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 Congo: BGFI Bank Congo, La Congolaise de Banque, Ecobank Congo, Banque Postale du Congo, and United Bank for Africa Congo.
The live calculation for sending 1000 USD to Congo with payout in XAF should use the current ATM24 route: 553,451.86 XAF. The route may include BGFI Bank Congo, La Congolaise de Banque, Ecobank Congo, Banque Postale du Congo, account route, and XAF payout data, fee from 0.9%, and exchange conditions. ATM24 confirms the final number before payment. Bank-route examples for Congo: BGFI Bank Congo, La Congolaise de Banque, Ecobank Congo, Banque Postale du Congo, and United Bank for Africa Congo.
Could not find an answer to your question?
Contact support
