Cote d'IvoireXOFWest African CFA Franc
The CFA franc in Côte d'Ivoire is stable: XOF is pegged to the euro at a fixed rate of 1 EUR = 655.957 XOF, and this figure has not changed since 1999. The amount calculated today will arrive in Abidjan unchanged. What is unpredictable here is not the currency, but the payment route: the country's banking network is limited, and not every Ivorian bank accepts payments from Russia. The ATM24 manager verifies the payment route before processing - commission from 0.9%, rate and amount in XOF are known in advance.
The route, the receiving bank and the payout amount are agreed before payment.
The national currency is the West African CFA franc (XOF), common to eight UEMOA/WAEMU countries and strictly pegged to the euro at the rate of 1 EUR = 655.957 XOF. The issuer and regulator is the Banque Centrale des États de l'Afrique de l'Ouest (BCEAO), headquartered in Dakar. Côte d'Ivoire is the largest economy in the West African monetary union and the world's largest cocoa producer. The political capital is Yamoussoukro, but the main financial and business center is Abidjan, where bank headquarters and most business activity are concentrated. Major banks include Société Générale Côte d'Ivoire, Ecobank Côte d'Ivoire, and NSIA Banque.
Bank transfers use the local RIB identifier with 23 characters, which includes the bank code, branch code, account number and check digit. In practice, some banks also format account details with the CI code on top of the domestic RIB, so before sending ATM24 verifies the exact account format for the specific bank. For international SWIFT transfers, you typically need the bank's SWIFT/BIC, full RIB or other bank account number, and the recipient's name in Latin characters. Côte d'Ivoire has not imposed its own sanctions against Russia, but the specific payment route depends on the receiving bank, the correspondent chain, and AML/KYC checks.
Orange Money, MTN MoMo, and Wave are widely used within the country; the ability to receive international transfers through mobile money depends on the available payment route through ATM24. The official language is French; bank documents and account details are usually in French. Banks typically operate Monday to Friday from approximately 08:00 to 16:00 local time (UTC+0); Abidjan is 3 hours behind Moscow. International SWIFT transfers take 2–5 business days. ATM24 commission starts from 0.9%.
Visa and Mastercard from Ivorian banks: XOF credited to the recipient's card in Abidjan and other cities. Société Générale Côte d'Ivoire, Ecobank Côte d'Ivoire, NSIA Banque, Bank of Africa. Recipient's full name in Latin characters and 16-digit card number. XOF amount is calculated from euro at BCEAO rate: 1 EUR = 655,957 XOF
An account in Côte d'Ivoire is identified by RIB, which the bank provides both as a standard number and in IBAN format with the CI code; you also need the bank's SWIFT code. RIB consists of the bank code, branch code, account number and check digit. You need the bank's SWIFT code, full RIB and recipient's full name in Latin characters. The ATM24 manager verifies the availability of the specific bank before processing
CFA francs issued in cash in Abidjan and other major cities of the country. Abidjan - the economic capital, where banks and exchange offices are concentrated. XOF denominations in circulation: banknotes of 500, 1,000, 2,000, 5,000 and 10,000 francs. Cash outlets outside Abidjan are less frequent: confirm the city and amount before submitting your request
For Côte d'Ivoire you will need the recipient bank's SWIFT code, account number and full name in Latin characters. The account number exists in two formats: the domestic RIB and the IBAN format built on it with the CI code - use the one provided by the recipient's bank. The euro rate is fixed: 1 EUR = 655,957 XOF (BCEAO), so the amount in francs is known in advance. There are no sanctions restrictions on this corridor. Confirm with the recipient which bank and branch the account is held at: the network in the country is limited, and the ATM24 manager verifies the payment route before processing.
We accept RUB, USD, EUR and USDT — we pay out in XOF
RUB XOF
6.23per 1 RUB
10 000 ₽ = 62 328 XOFUSD XOF
551.79per 1 USD
100 $ = 55 179 XOFEUR XOF
611.89per 1 EUR
100 € = 61 189 XOFUSDT XOF
551.79per 1 USDT
100 USDT = 55 179 XOF| You send | Payout in XOF |
|---|---|
| 100 USDT | 55 179 XOF |
| 300 USDT | 165 537 XOF |
| 500 USDT | 275 896 XOF |
| 1 000 USDT | 551 791 XOF |
| 5 000 USDT | 2 758 957 XOF |
Where recipients usually get the money in Cote d'Ivoire
SGBCI Société Générale — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
SWIFT: to be confirmed; Description: Pan-African Ecobank group; wide branch network
Coris Bank International — a bank with an international profile that typically works with accounts, foreign currency, cards, and cross-border payments.
Banque Atlantique CI — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
UBA Côte d'Ivoire — 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 West African CFA franc (XOF), strictly pegged to the euro at the rate of 1 EUR = 655,957 XOF.
Card Systems
Visa and Mastercard are available through banks. The country is part of the BCEAO/WAEMU zone and uses the CFA franc. Orange Money, MTN MoMo, and Wave are the leading mobile payment systems. Moov Money is also active in the market.
Payment Apps
Orange Money, MTN Mobile Money, Wave (Dakar), and Moov Money are the main mobile money systems. Côte d'Ivoire is one of the leaders in mobile money coverage in West Africa: more than 75% of the adult population uses mobile wallets.
Interbank Transfers
Bank transfers use account numbers based on RIB; some banks format account details in the CI code format, and international transfers also require the bank's SWIFT/BIC code.
Financial Regulator
Banque Centrale des États de l'Afrique de l'Ouest (BCEAO) - the central bank of eight countries in the UEMOA/WAEMU zone; headquarters is in Dakar.
Special Features for ATM24
Côte d'Ivoire 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
I paid with SBP, followed the instructions, everything went smoothly, manager Sofa helped me, I would like to thank her.
Read full reviewThe courier arrived quickly, the money was transferred, they gave cash at a good rate, very pleasant)
Read full reviewEverything is great! I sent the coin, received cash Thai baht! Manager Stanislav helped with this! He was in touch the whole time, even explained step by step where to click.. It all took more than an hour, but I was satisfied
Read full reviewExchanged cash like this for the first time. I won't say I wasn't nervous. But the exchange went smoothly, the rate was very pleasing. Manager Stanislav explained everything, told me everything — special THANKS to him. I recommend this service.
Read full reviewI used this service to transfer money to Thailand, manager Ekaterina provided help, I’m satisfied with the service, I recommend using it; it’s better to have a Thai bank account for a more favorable rate, but in any case this is more profitable than using a Visa or Mastercard bank card.
Read full reviewYandex
Excellent service! I recommend to everyone. Responsible and honest people!
Read full reviewThe guys did a great job, everything was done quickly and precisely, I recommend them, I will contact them again!
Read full reviewFirst time in Phuket and thanks to an ad I got to know the guys. Manager Stanislav informed me quickly and answered all questions. The operation went fast. Very satisfied! I recommend it to all tourists!
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
Country not found
People ask about Côte d'Ivoire currency in different ways: what is official, what is convenient to take with you, and what is better to receive by transfer - we've covered each case separately.
For a transfer to Cote Divoire in XOF, ATM24 builds the order around the recipient's payout method on the Cote Divoire XOF payout route. The sender sees the route, fee from 0.9%, expected timing from 15 minutes, and final amount before payment; if details change, the calculation is updated. Bank-route examples for Cote Divoire: Ecobank Côte d’Ivoire, NSIA Banque, Société Générale Côte d’Ivoire, Bank of Africa Côte d’Ivoire, and Bridge Bank Group Côte d’Ivoire.
The recipient can use a card or bank account for an XOF transfer to Cote Divoire if that channel is available for the bank. Before payment, ATM24 checks Ecobank Côte d’Ivoire, NSIA Banque, card or account format, recipient name, and payout currency. International-card network availability is confirmed by route, not assumed for every bank. Bank-route examples for Cote Divoire: Ecobank Côte d’Ivoire, NSIA Banque, Société Générale Côte d’Ivoire, Bank of Africa Côte d’Ivoire, and Bridge Bank Group Côte d’Ivoire.
ATM24 can check whether an XOF transfer to Cote Divoire may go through Ecobank Côte d’Ivoire, NSIA Banque, Société Générale Côte d’Ivoire, Bank of Africa Côte d’Ivoire, and Bridge Bank Group Côte d’Ivoire. The receiving bank must match the recipient details and accept the selected payout route. The manager confirms the bank, account or card format, and final amount before payment.
For an XOF transfer to Cote Divoire, ATM24 checks recipient details against the selected receiving route: Cote Divoire XOF payout route, Ecobank Côte d’Ivoire, NSIA Banque, Société Générale Côte d’Ivoire, Bank of Africa Côte d’Ivoire, and Bridge Bank Group Côte d’Ivoire, card payout, account payout, recipient name, XOF payout data, and separate checks for Ecobank Côte d’Ivoire and Société Générale Côte d’Ivoire. The manager verifies name spelling, bank or card format, payout currency, and payment purpose before payment. If the recipient changes the route, the required fields are checked again. Bank-route examples for Cote Divoire: Ecobank Côte d’Ivoire, NSIA Banque, Société Générale Côte d’Ivoire, Bank of Africa Côte d’Ivoire, and Bridge Bank Group Côte d’Ivoire.
Transfer timing to Cote Divoire in XOF starts from 15 minutes when the bank, card, or account route is ready. ATM24 checks Ecobank Côte d’Ivoire, NSIA Banque, and any route limit before payment. If the receiving bank asks for clarification, processing can take longer. Bank-route examples for Cote Divoire: Ecobank Côte d’Ivoire, NSIA Banque, Société Générale Côte d’Ivoire, Bank of Africa Côte d’Ivoire, and Bridge Bank Group Côte d’Ivoire.
An XOF transfer to Cote Divoire through ATM24 has a fee starting from 0.9%, but the useful number is the final amount after the route is checked. ATM24 confirms the Cote Divoire XOF payout route, bank such as Société Générale Côte d’Ivoire, exchange conditions, sender's payment method, and payout amount. Any fee charged by the sender's card issuer or bank should be checked separately. Bank-route examples for Cote Divoire: Ecobank Côte d’Ivoire, NSIA Banque, Société Générale Côte d’Ivoire, Bank of Africa Côte d’Ivoire, and Bridge Bank Group Côte d’Ivoire.
Yes, ATM24 can calculate a transfer to Cote Divoire in XOF where the sender pays by card, bank transfer, USDT, or another available method. ATM24 checks the Cote Divoire XOF payout route, payment currency, exchange conditions, bank details such as Ecobank Côte d’Ivoire or Société Générale Côte d’Ivoire, and the final payout amount. Sender-side card or bank fees are separate from the ATM24 calculation. Bank-route examples for Cote Divoire: Ecobank Côte d’Ivoire, NSIA Banque, Société Générale Côte d’Ivoire, Bank of Africa Côte d’Ivoire, and Bridge Bank Group Côte d’Ivoire.
The minimum transfer amount to Cote Divoire in XOF through ATM24 starts from 100 USD or the equivalent. The maximum amount is confirmed before payment and depends on the Cote Divoire XOF payout route, sender payment method, bank, recipient details, and possible document requirements. If the recipient changes Ecobank Côte d’Ivoire to another bank or switches from account to card, the limit should be checked again. Bank-route examples for Cote Divoire: Ecobank Côte d’Ivoire, NSIA Banque, Société Générale Côte d’Ivoire, Bank of Africa Côte d’Ivoire, and Bridge Bank Group Côte d’Ivoire.
Large transfers to Cote Divoire in XOF are checked by amount, recipient route, and receiving bank. ATM24 reviews Ecobank Côte d’Ivoire, Bank of Africa Côte d’Ivoire, card or account payout, payment purpose, and source-of-funds information. Any document request is named before the sender pays. Bank-route examples for Cote Divoire: Ecobank Côte d’Ivoire, NSIA Banque, Société Générale Côte d’Ivoire, Bank of Africa Côte d’Ivoire, and Bridge Bank Group Côte d’Ivoire.
The estimated payout for sending 1000 USD to Cote Divoire in XOF should be checked by route: 551,791.5 XOF. ATM24 reviews Ecobank Côte d’Ivoire, NSIA Banque, Société Générale Côte d’Ivoire, Bank of Africa Côte d’Ivoire, and Bridge Bank Group Côte d’Ivoire, card or account payout, fee from 0.9%, and exchange conditions. The manager confirms the final XOF amount in the order. Bank-route examples for Cote Divoire: Ecobank Côte d’Ivoire, NSIA Banque, Société Générale Côte d’Ivoire, Bank of Africa Côte d’Ivoire, and Bridge Bank Group Côte d’Ivoire.
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