NigerXOFWest African CFA Franc
The first thing to check on this route is the country. Niger and Nigeria sound almost identical, but financially they are different worlds: Niger uses the West African CFA franc with an exchange rate rigidly pegged to the euro, Nigeria uses the naira, which fluctuates. An error in the country name is not a typo—it means payment to a different country.
The route, the receiving bank and the payout amount are agreed before payment.
The national currency is the West African CFA franc (XOF), shared by eight countries of the West African Monetary Union. The XOF exchange rate is rigidly pegged to the euro at 1 EUR = 655.957 XOF and has not changed since the late 1990s, so amount conversion is predictable and currency risk against the euro is minimal. The issuer and regulator is Banque Centrale des États de l'Afrique de l'Ouest (BCEAO), the common central bank for eight union countries. It is important not to confuse Niger with Nigeria: these are different states with different currencies, banking systems, and account details. Niger is not represented in the international IBAN registry: for international SWIFT transfers you typically need the bank's SWIFT/BIC code, the local account number, and the recipient's full name. The official language is French, so banking details and documents are usually prepared in Latin characters without additional transliteration. The main banking centers are Niamey, Zinder, and Maradi; outside major cities banking infrastructure is noticeably weaker and cash plays a greater role.
Banking operations in the region may periodically face restrictions, so ATM24 checks the availability of a specific bank and route in advance for each application. Niger operates on UTC+1 time zone, 2 hours behind Moscow. International SWIFT transfer time is 2–5 business days. ATM24 commission is from 0.9%.
Card networks operate in the capital and major cities. In the application, specify the card number and cardholder's name in Latin characters. Funds credited in CFA francs, conversion rate visible before payment. Whether the card payment will go through is determined in advance
IBAN format is not available: you need the recipient bank's SWIFT code and account number. Bank name is taken from the recipient's documents, not from hearsay. French state format, name transferred from documents in Latin characters. Bank availability is checked for each application
Cash can be withdrawn in Niamey and several major cities. Main locations - Niamey, Zinder, Maradi. Outside cities there are almost no bank branches. Available amount is confirmed when the application is submitted
For Niger you need the recipient bank's SWIFT code, account number, and name in Latin characters; IBAN format is not issued in the country. Exchange rate should not be a concern - the CFA franc is pegged to the euro. One thing deserves attention: make sure the money goes to Niger, not Nigeria. ATM24 checks route availability for each application before payment.
We accept RUB, USD, EUR and USDT — we pay out in XOF
RUB XOF
6.08per 1 RUB
10 000 ₽ = 60 817 XOFUSD XOF
545.3per 1 USD
100 $ = 54 530 XOFEUR XOF
618.05per 1 EUR
100 € = 61 805 XOFUSDT XOF
545.3per 1 USDT
100 USDT = 54 530 XOF| You send | Payout in XOF |
|---|---|
| 100 USDT | 54 530 XOF |
| 300 USDT | 163 591 XOF |
| 500 USDT | 272 651 XOF |
| 1 000 USDT | 545 302 XOF |
| 5 000 USDT | 2 726 509 XOF |
Where recipients usually get the money in Niger
Ecobank Niger — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
Société Générale Niger — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
BOA Niger — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
Sonibank — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
BIA Niger — 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), with an exchange rate fixed to the euro at 1 EUR = 655.957 XOF.
Card systems
The country is part of the BCEAO/WAEMU zone and uses the CFA franc. Visa and Mastercard are available through a limited number of banks in Niamey. Orange Money and Airtel Money are the main payment systems for the population.
Payment apps
The official language of the country is French.
Interbank transfers
Niger is not represented in the international IBAN registry: for international transfers, the bank's SWIFT/BIC code and local account number are used.
Financial regulator
The monetary and credit system is regulated by Banque Centrale des États de l'Afrique de l'Ouest (BCEAO), the common central bank for eight countries of the West African Monetary Union.
Special features for ATM24
Niger operates on UTC+1 time zone, 2 hours behind Moscow.
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
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
The rate is very unfavorable. Our flight to Sharjah was delayed, and there were no dirhams. There were no other options, Catherine the manager handled everything quickly, despite the early morning.
Read full reviewAll good, everything worked out, manager Stanislav is a great guy.
Read full reviewGreat service! Exchanged rubles via SBP transfer and received them at an ATM. They fully supported me, worked promptly. Thank you very much, guys!
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I sent the payment via PayPal. Super fast and smooth! Very satisfied. Personal manager Alisa helped sort everything out and placed the order. I recommend it.
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I want to thank manager Alisa for quickly resolving the issue. We needed cash in Thailand, but the problem was that the money for exchange was on our card. She explained everything, told us, sent the location where it could be collected. More than satisfied with the service. Thanks again.
Read full reviewEverything went perfectly. Manager Egor clearly explained the whole process. Fast, high-quality, convenient.
Read full reviewThere were suspicions about transfers and receiving, so we requested a small amount, received cash right at the hotel ATM in a few minutes. Very convenient, the rate of course isn't the most favorable, but in a situation when there are only rubles on the card and you need to withdraw - an excellent solution.
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
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We've collected answers about the CFA franc, the difference between Niger and Nigeria, and the transfer procedure.
To send money to Niger with payout in XOF through ATM24, start with the recipient's exact route for the Niger XOF payout route. ATM24 confirms the amount, payment method, fee from 0.9%, timing from 15 minutes, and bank such as Bank of Africa Niger. Bank-route examples for Niger: Bank of Africa Niger, Ecobank Niger, Orabank Niger, Société nigérienne de banque, and Crédit du Niger.
A card or bank-account payout in Niger in XOF is possible only when the selected route supports it. ATM24 verifies whether the recipient's card, account number, and name match the Niger XOF payout route. The manager confirms the selected bank, such as Bank of Africa Niger or Orabank Niger, before payment because card and account rules may differ. Bank-route examples for Niger: Bank of Africa Niger, Ecobank Niger, Orabank Niger, Société nigérienne de banque, and Crédit du Niger.
For bank payout in Niger, useful XOF references include Bank of Africa Niger, Ecobank Niger, Orabank Niger, Société nigérienne de banque, and Crédit du Niger. 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.
For Niger, ATM24 does not use one universal recipient form for every XOF transfer. The details are checked by route: Bank of Africa Niger, Ecobank Niger, Orabank Niger, Société nigérienne de banque, and Crédit du Niger, card payout, account payout. Name, account/card data, and payout currency must match the selected option. Bank-route examples for Niger: Bank of Africa Niger, Ecobank Niger, Orabank Niger, Société nigérienne de banque, and Crédit du Niger.
An XOF transfer to Niger can start from 15 minutes after ATM24 confirms the recipient route. Timing depends on amount, recipient details, and Niger XOF payout route, Bank of Africa Niger, Ecobank Niger, Orabank Niger, card route, account route, and separate checks for Bank of Africa Niger and Orabank Niger. The expected payout window is shown before payment. Bank-route examples for Niger: Bank of Africa Niger, Ecobank Niger, Orabank Niger, Société nigérienne de banque, and Crédit du Niger.
The ATM24 fee for sending money to Niger with payout in XOF starts from 0.9% on the Niger XOF 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 Niger: Bank of Africa Niger, Ecobank Niger, Orabank Niger, Société nigérienne de banque, and Crédit du Niger.
Payment for an XOF transfer to Niger can be arranged through an available sender method after ATM24 checks the receiving route. The check includes the Niger XOF payout route, bank such as Orabank Niger, fee from 0.9%, and exchange conditions. USDT network cost or card-issuer charges are confirmed separately. Bank-route examples for Niger: Bank of Africa Niger, Ecobank Niger, Orabank Niger, Société nigérienne de banque, and Crédit du Niger.
The minimum transfer amount to Niger in XOF through ATM24 starts from 100 USD or the equivalent. The maximum amount is confirmed before payment and depends on the Niger XOF payout route, sender payment method, bank, recipient details, and possible document requirements. If the recipient changes Bank of Africa Niger to another bank or switches from account to card, the limit should be checked again. Bank-route examples for Niger: Bank of Africa Niger, Ecobank Niger, Orabank Niger, Société nigérienne de banque, and Crédit du Niger.
For a large XOF transfer to Niger, ATM24 reviews documents around Niger XOF payout route, Bank of Africa Niger, Ecobank Niger, recipient-name match, route limit, payment purpose, source-of-funds review, and separate checks for Bank of Africa Niger and Orabank Niger. 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 Niger: Bank of Africa Niger, Ecobank Niger, Orabank Niger, Société nigérienne de banque, and Crédit du Niger.
If you send 1000 USD to Niger, the recipient amount in XOF is not a generic market-rate number: 545,301.82 XOF. The calculation uses the payout route, bank such as Orabank Niger, fee from 0.9%, and exchange conditions. ATM24 confirms the final amount before the sender pays. Bank-route examples for Niger: Bank of Africa Niger, Ecobank Niger, Orabank Niger, Société nigérienne de banque, and Crédit du Niger.
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