GambiaGMDGambian Dalasi
Gambia is the smallest country on mainland Africa: a narrow strip along the river of the same name, surrounded on all sides by Senegal. The economy is small, and remittances from relatives abroad mean more to many families than a salary. The currency is the dalasi, with a floating exchange rate, and therein lies the main loss: when exchanging cash on the coast, the recipient loses part of the amount to the exchange markup. Crediting directly in dalasi eliminates this step. Commission from 0.9%.
The route, the receiving bank and the payout amount are agreed before payment.
The national currency is the dalasi (GMD), which has a floating exchange rate; 1 dalasi = 100 bututs. Gambia is unusual even by African standards: it is a narrow strip of land along the Gambia River, practically surrounded by Senegal, and the smallest country on continental Africa. The economy is notably dependent on tourism on the Atlantic coast and remittances from the diaspora, which play an important role in household incomes. The central bank and regulator is the Central Bank of The Gambia, located in Banjul. Financial and business activities are concentrated primarily in Banjul and Serekunda. Among the major banks are Trust Bank Gambia, one of the leading local banks, as well as GTBank Gambia, Ecobank Gambia, and Access Bank, which are part of large regional and pan-African banking groups.
The IBAN format is not used in Gambia: for international SWIFT transfers, you typically need the SWIFT/BIC code of the bank, the account number, and the recipient's full name in Latin characters. The dalasi trades at a floating exchange rate, and exchange infrastructure in tourist zones is oriented toward visitors, so exchange rates at money changers can differ significantly from bank rates; for the recipient, crediting to an account is often more predictable than subsequently exchanging cash currency. Gambia has not introduced its own sanctions against Russia; however, any specific transfer depends on the recipient bank, the correspondent chain, and standard AML/KYC checks. The official language is English, so bank details and documents are usually prepared in English. The country operates on UTC+0 time zone, 3 hours behind Moscow. ATM24 checks the available route in advance before confirming the application. International SWIFT credit takes 2–5 business days. ATM24 commission is from 0.9%.
Cards from Gambian banks credit dalasi directly, bypassing the exchange office with tourist markup. Trust Bank Gambia, GTBank Gambia, Ecobank Gambia, Access Bank Gambia. To credit, you'll need 16 card digits and the cardholder's full name in Latin characters. Floating exchange rate: check the dalasi amount in your application, it is fixed before payment
Gambia does not have an international IBAN: the recipient is found using the bank's SWIFT code and account number. The application includes the bank's SWIFT code, the recipient's account number, and their full name in Latin characters. English is the official language, so name spelling discrepancies usually don't arise. For regular family transfers, an account is more convenient than cash: you don't have to exchange currency every time
Dalasi cash withdrawal in the capital and the country's largest city. Banjul is the capital; Serekunda is Gambia's largest city and commercial center. The resort zone stretches along the Atlantic coast, with banks concentrated there as well. Agree on the city of withdrawal and available amount before submitting your application
Details for Gambia: SWIFT code of the recipient's bank, account number, and full name in Latin characters; IBAN format is not used here. The dalasi floats, so conversion from rubles is calculated at the time of application and fixed—the amount will not change by the time it is credited. The country has not introduced sanctions against Russia. The main practical advice for this direction concerns not the mechanics but the money: the fewer times the amount passes through an exchange office, the more reaches your family, so crediting directly in dalasi is more profitable than receiving cash currency in hand.
We accept RUB, USD, EUR and USDT — we pay out in GMD
RUB GMD
0.7919per 1 RUB
10 000 ₽ = 7 919 GMDUSD GMD
70.3per 1 USD
100 $ = 7 030 GMDEUR GMD
80.87per 1 EUR
100 € = 8 087 GMDUSDT GMD
70.3per 1 USDT
100 USDT = 7 030 GMD| You send | Payout in GMD |
|---|---|
| 100 USDT | 7 030 GMD |
| 300 USDT | 21 090 GMD |
| 500 USDT | 35 150 GMD |
| 1 000 USDT | 70 300 GMD |
| 5 000 USDT | 351 500 GMD |
Where recipients usually get the money in Gambia
SWIFT: clarify; Description: One of the main local banks; Banjul
SWIFT: clarify; Description: Access Nigerian group
SWIFT: clarify; Description: Guaranty Trust Nigerian group
SWIFT: clarify; Description: Ecobank pan-African group
Standard Chartered Gambia — 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 dalasi (GMD), which has a floating exchange rate.
Card systems
Visa and Mastercard are accepted at major hotels and banks. The country uses Gambian dalasi (GMD). QMoney and Orange Money are available for mobile transfers. Trust Bank and Standard Chartered are the leading card-issuing banks.
Payment applications
Afrimoney (Comium) and QMoney (Qcell) are Gambia's leading mobile wallets. Trust Bank and GTBank Gambia mobile applications are available to bank customers. Western Union and MoneyGram operate through agent networks.
Interbank transfers
IBAN format is not used in Gambia: for international transfers, the bank's SWIFT/BIC code and account number are used.
Financial regulator
Central Bank of The Gambia is the central bank and primary financial regulator of the country; located in Banjul.
Special features for ATM24
Gambia 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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We've gathered answers about the dalasi, its exchange rate, and why crediting to an account is more profitable than receiving cash currency.
To send money to the Gambia with payout in GMD through ATM24, start with the recipient's exact route for the the Gambia GMD payout route. ATM24 confirms the amount, payment method, fee from 0.9%, timing from 15 minutes, and bank such as Trust Bank Gambia. Bank-route examples for the Gambia: Trust Bank Gambia, Standard Chartered Gambia, Bank (Gambia) Ltd, Bank Gambia Limited, and Banque Sahelo-Saherienne Pour L'Investissement et Commerce (BSIC).
A card or bank-account payout in the Gambia in GMD is possible only when the selected route supports it. ATM24 verifies whether the recipient's card, account number, and name match the the Gambia GMD payout route. The manager confirms the selected bank, such as Trust Bank Gambia or Bank (Gambia) Ltd, before payment because card and account rules may differ. Bank-route examples for the Gambia: Trust Bank Gambia, Standard Chartered Gambia, Bank (Gambia) Ltd, Bank Gambia Limited, and Banque Sahelo-Saherienne Pour L'Investissement et Commerce (BSIC).
A transfer to the Gambia in GMD can be sent to the recipient's bank if that bank accepts the incoming credit. Banks to check for this destination include Trust Bank Gambia, Standard Chartered Gambia, Bank (Gambia) Ltd, Bank Gambia Limited, and Banque Sahelo-Saherienne Pour L'Investissement et Commerce (BSIC). ATM24 verifies the bank, account format, recipient name, and payout currency before the sender pays.
For the Gambia, ATM24 does not use one universal recipient form for every GMD transfer. The details are checked by route: Trust Bank Gambia, Standard Chartered Gambia, Bank (Gambia) Ltd, Bank Gambia Limited, and Banque Sahelo-Saherienne Pour L'Investissement et Commerce (BSIC), card payout, account payout. Name, account/card data, and payout currency must match the selected option. Bank-route examples for the Gambia: Trust Bank Gambia, Standard Chartered Gambia, Bank (Gambia) Ltd, Bank Gambia Limited, and Banque Sahelo-Saherienne Pour L'Investissement et Commerce (BSIC).
A GMD transfer to the Gambia can start from 15 minutes after ATM24 confirms the recipient route. Timing depends on amount, recipient details, and the Gambia GMD payout route, Trust Bank Gambia, Standard Chartered Gambia, Bank (Gambia) Ltd, card route, account route, and final amount confirmation by selected bank route. The expected payout window is shown before payment. Bank-route examples for the Gambia: Trust Bank Gambia, Standard Chartered Gambia, Bank (Gambia) Ltd, Bank Gambia Limited, and Banque Sahelo-Saherienne Pour L'Investissement et Commerce (BSIC).
The ATM24 fee for sending money to the Gambia with payout in GMD starts from 0.9% on the the Gambia GMD 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 Gambia: Trust Bank Gambia, Standard Chartered Gambia, Bank (Gambia) Ltd, Bank Gambia Limited, and Banque Sahelo-Saherienne Pour L'Investissement et Commerce (BSIC).
Payment for a GMD transfer to the Gambia can be arranged through an available sender method after ATM24 checks the receiving route. The check includes the the Gambia GMD payout route, bank such as Bank (Gambia) Ltd, fee from 0.9%, and exchange conditions. USDT network cost or card-issuer charges are confirmed separately. Bank-route examples for the Gambia: Trust Bank Gambia, Standard Chartered Gambia, Bank (Gambia) Ltd, Bank Gambia Limited, and Banque Sahelo-Saherienne Pour L'Investissement et Commerce (BSIC).
For the Gambia, the minimum GMD transfer through ATM24 starts from 100 USD or the equivalent. The upper limit is route-based: the manager checks Trust Bank Gambia, Standard Chartered Gambia, recipient details, payout method, and document requirements before payment. A route through Standard Chartered Gambia may have different limits than a card or non-bank payout. Bank-route examples for the Gambia: Trust Bank Gambia, Standard Chartered Gambia, Bank (Gambia) Ltd, Bank Gambia Limited, and Banque Sahelo-Saherienne Pour L'Investissement et Commerce (BSIC).
For a large GMD transfer to the Gambia, ATM24 reviews documents around the Gambia GMD payout route, Trust Bank Gambia, Standard Chartered Gambia, recipient-name match, route limit, payment purpose, source-of-funds review, and final amount confirmation by selected bank route. 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 the Gambia: Trust Bank Gambia, Standard Chartered Gambia, Bank (Gambia) Ltd, Bank Gambia Limited, and Banque Sahelo-Saherienne Pour L'Investissement et Commerce (BSIC).
If you send 1000 USD to the Gambia, the recipient amount in GMD is not a generic market-rate number: 70,300 GMD. The calculation uses the payout route, bank such as Bank (Gambia) Ltd, fee from 0.9%, and exchange conditions. ATM24 confirms the final amount before the sender pays. Bank-route examples for the Gambia: Trust Bank Gambia, Standard Chartered Gambia, Bank (Gambia) Ltd, Bank Gambia Limited, and Banque Sahelo-Saherienne Pour L'Investissement et Commerce (BSIC).
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