DR CongoCDFCongolese Franc
The Democratic Republic of Congo and Republic of Congo are two different countries on opposite banks of the Congo River, and their currencies are different too: here the Congolese franc CDF, with the neighbor - the CFA franc XAF with a fixed rate. CDF, unlike it, floats and weakens, so major transactions within the country have long been conducted in dollars. For a transfer this is the main question: does the recipient need francs for everyday expenses or dollars for a large amount. The transfer currency is selected before payment, commission from 0.9%.
The route, the receiving bank and the payout amount are agreed before payment.
The national currency is the Congolese franc (CDF), with a floating exchange rate that has remained under pressure in recent years; at the same time, major transactions and bank accounts in USD are as common as franc-denominated ones. It is important not to confuse DR Congo with Republic of Congo: the Democratic Republic of Congo has its capital in Kinshasa and uses CDF, while Republic of Congo with capital in Brazzaville uses XAF, pegged to the euro. DR Congo is the world's largest cobalt producer, so a significant portion of business activity and international transactions are related to the mining sector; the main financial centers are Kinshasa and Lubumbashi. Central bank and regulator is Banque Centrale du Congo, located in Kinshasa. The IBAN format does not apply in DR Congo: for international SWIFT transfers, you typically need the bank's SWIFT/BIC, account number, and recipient's full name in Latin characters. Before sending, it is important to verify the account currency - CDF or USD. Among the major banks are Rawbank, one of the country's largest banks by assets, Equity BCDC, part of the Kenyan Equity group, TMB, and Ecobank RDC.
For domestic transactions, mobile money services M-Pesa, Orange Money, and Airtel Money are widely used; the ability to receive international transfers through such channels depends on the available route via ATM24. DR Congo has not imposed its own sanctions against Russia, however, any specific transfer depends on the receiving bank, correspondent chain, and standard AML/KYC checks. The official language is French; four national languages are also widely used - Lingala, Swahili, Kikongo, and Chiluba, and bank details are typically provided in Latin characters. The country spans two time zones: UTC+1 in the west and UTC+2 in the east; Kinshasa is 2 hours behind Moscow. ATM24 checks the available route in advance before confirming your request. International SWIFT transfer time is 2–5 business days. ATM24 commission is from 0.9%.
Cards from Congolese banks work in both francs and dollars: the currency depends on the account to which the card is linked. Rawbank, Equity BCDC, Trust Merchant Bank, Ecobank RDC. You will need 16 card digits and cardholder's full name in Latin characters. Ask the recipient in advance: is the card franc or dollar denominated - this affects the amount
IBAN doesn't work here: the bank is found by SWIFT code, and the account is designated by an internal number assigned by the bank. In the application, provide the recipient bank's SWIFT code, their account number, and full name in Latin characters. A dollar account in DR Congo is common practice: for large amounts it protects against franc weakening. Verify the bank name by country: banks in Kinshasa and Brazzaville are different recipients
Congolese francs issued as cash in cities with banking infrastructure. Kinshasa - the capital and main financial center; Lubumbashi - center of the mining south. USD circulates alongside CDF francs, especially in major transactions. Before submitting your request, clarify the city for collection and the amount the bank can issue immediately
For payments to DR Congo, banks are found by SWIFT code rather than IBAN - it simply doesn't exist there: you need the bank code, recipient's account number, and full name in Latin characters. The key decision is made before sending - the currency of transfer: the Congolese franc fluctuates and weakens, so for larger amounts in the country dollar accounts are more common, while francs are kept for everyday expenses. There are no sanctions restrictions on this corridor. And verify the destination country: DR Congo with Kinshasa and Republic of Congo with Brazzaville are different states; payment to wrong details will be returned.
We accept RUB, USD, EUR and USDT — we pay out in CDF
RUB CDF
24.75per 1 RUB
10 000 ₽ = 247 472 CDFUSD CDF
2,190.88per 1 USD
100 $ = 219 088 CDFEUR CDF
2,429.5per 1 EUR
100 € = 242 950 CDFUSDT CDF
2,190.88per 1 USDT
100 USDT = 219 088 CDF| You send | Payout in CDF |
|---|---|
| 100 USDT | 219 088 CDF |
| 300 USDT | 657 265 CDF |
| 500 USDT | 1 095 442 CDF |
| 1 000 USDT | 2 190 885 CDF |
| 5 000 USDT | 10 954 423 CDF |
Where recipients usually get the money in DR Congo
SWIFT: verify; Description: Largest bank in the country by assets; Kinshasa
Equity Bank Congo — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
BGFI Bank DRC — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
Ecobank DRC — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
SWIFT: verify; Description: Congolese private bank; network across the country
National currency
The national currency is the Congolese franc (CDF), with a floating exchange rate, while the US dollar is widely used in transactions and the banking system.
Card systems
Visa and Mastercard are available in Kinshasa. Airtel Money and Orange Money are the leading mobile payment systems for the population. M-Pesa (Vodacom DRC) also operates. Most transactions are conducted in cash in Congolese francs (CDF).
Payment applications
Airtel Money, M-Pesa (Vodacom DRC), and Orange Money are the three leading mobile money operators in DRC. Mecash is popular for paying bills. More than 50% of the adult population uses mobile wallets compared to less than 20% having a bank account.
Interbank transfers
The IBAN format does not apply in DR Congo: for international transfers, the bank's SWIFT/BIC and account number are used.
Financial regulator
Banque Centrale du Congo - the central bank and primary financial regulator of the country; headquarters located in Kinshasa.
Features for ATM24
The Democratic 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.
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We've collected answers about the Congolese franc, the role of the dollar in transactions, and how DR Congo differs from Republic of Congo when transferring money.
To send money to Dr Congo with payout in CDF through ATM24, start with the recipient's exact route for the Dr Congo CDF payout route. ATM24 confirms the amount, payment method, fee from 0.9%, timing from 15 minutes, and bank such as Rawbank. Bank-route examples for Dr Congo: Rawbank, Trust Merchant Bank, EquityBCDC, Ecobank RDC, and Standard Bank RDC.
A card or bank-account payout in Dr Congo in CDF is possible only when the selected route supports it. ATM24 verifies whether the recipient's card, account number, and name match the Dr Congo CDF payout route. The manager confirms the selected bank, such as Rawbank or EquityBCDC, before payment because card and account rules may differ. Bank-route examples for Dr Congo: Rawbank, Trust Merchant Bank, EquityBCDC, Ecobank RDC, and Standard Bank RDC.
A transfer to Dr Congo in CDF can be sent to the recipient's bank if that bank accepts the incoming credit. Banks to check for this destination include Rawbank, Trust Merchant Bank, EquityBCDC, Ecobank RDC, and Standard Bank RDC. ATM24 verifies the bank, account format, recipient name, and payout currency before the sender pays.
For Dr Congo, ATM24 does not use one universal recipient form for every CDF transfer. The details are checked by route: Rawbank, Trust Merchant Bank, EquityBCDC, Ecobank RDC, and Standard Bank RDC, card payout, account payout. Name, account/card data, and payout currency must match the selected option. Bank-route examples for Dr Congo: Rawbank, Trust Merchant Bank, EquityBCDC, Ecobank RDC, and Standard Bank RDC.
A CDF transfer to Dr Congo can start from 15 minutes after ATM24 confirms the recipient route. Timing depends on amount, recipient details, and Dr Congo CDF payout route, Rawbank, Trust Merchant Bank, EquityBCDC, card route, account route, and different receiving rules for Trust Merchant Bank and Ecobank RDC. The expected payout window is shown before payment. Bank-route examples for Dr Congo: Rawbank, Trust Merchant Bank, EquityBCDC, Ecobank RDC, and Standard Bank RDC.
The ATM24 fee for sending money to Dr Congo with payout in CDF starts from 0.9% on the Dr Congo CDF 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 Dr Congo: Rawbank, Trust Merchant Bank, EquityBCDC, Ecobank RDC, and Standard Bank RDC.
Yes, ATM24 can calculate a transfer to Dr Congo in CDF where the sender pays by card, bank transfer, USDT, or another available method. ATM24 checks the Dr Congo CDF payout route, payment currency, exchange conditions, bank details such as Rawbank or EquityBCDC, and the final payout amount. Sender-side card or bank fees are separate from the ATM24 calculation. Bank-route examples for Dr Congo: Rawbank, Trust Merchant Bank, EquityBCDC, Ecobank RDC, and Standard Bank RDC.
For Dr Congo, the minimum CDF transfer through ATM24 starts from 100 USD or the equivalent. The upper limit is route-based: the manager checks Rawbank, Trust Merchant Bank, recipient details, payout method, and document requirements before payment. A route through Trust Merchant Bank may have different limits than a card or non-bank payout. Bank-route examples for Dr Congo: Rawbank, Trust Merchant Bank, EquityBCDC, Ecobank RDC, and Standard Bank RDC.
For a large CDF transfer to Dr Congo, ATM24 reviews documents around Dr Congo CDF payout route, Rawbank, Trust Merchant Bank, recipient-name match, route limit, payment purpose, source-of-funds review, and different receiving rules for Trust Merchant Bank and Ecobank RDC. The request may require sender ID, source-of-funds details, recipient bank data, and payment purpose. The manager confirms the exact list before payment. Bank-route examples for Dr Congo: Rawbank, Trust Merchant Bank, EquityBCDC, Ecobank RDC, and Standard Bank RDC.
If you send 1000 USD to Dr Congo, the recipient amount in CDF is not a generic market-rate number: 2,190,884.63 CDF. The calculation uses the payout route, bank such as EquityBCDC, fee from 0.9%, and exchange conditions. ATM24 confirms the final amount before the sender pays. Bank-route examples for Dr Congo: Rawbank, Trust Merchant Bank, EquityBCDC, Ecobank RDC, and Standard Bank RDC.
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