Sao Tome and PrincipeSTNSão Tomé & Príncipe Dobra
The currency of the islands is dobra, and it has two distinctive features. The exchange rate is pegged to the euro by agreement with Portugal, so the conversion is predictable. However, figures from old sources are misleading: in 2018 the country underwent denomination, and one thousand old dobras became one new one.
The route, the receiving bank and the payout amount are agreed before payment.
The national currency is dobra (STN), which is divided into 100 centimos. The dobra exchange rate is pegged to the euro under a currency agreement with Portugal, so the conversion for this direction remains predictable. In 2018, the country underwent denomination: 1000 old dobras were replaced with 1 new STN, which is important to consider when working with old documents and sources. São Tomé and Príncipe is a small island nation in the Gulf of Guinea, consisting of two main volcanic islands. The equator runs near the island of São Tomé and crosses the small island of Rolas. The country's economy has historically relied significantly on cocoa production. Bank transfers use IBAN format ST; international transfers also require the bank's SWIFT/BIC code.
The banking network is small and concentrated mainly in the capital São Tomé, while on the island of Príncipe there are significantly fewer branches. The official language is Portuguese, so banking details are issued in Latin characters without additional transliteration. The country operates on UTC+0 timezone, 3 hours behind Moscow. ATM24 checks the available route in advance before confirming the application. International SWIFT transfers take 2–5 business days. ATM24 commission starts from 0.9%.
The card network is small, operating in the capital and tourist locations. The application requires the card number and cardholder name in Latin characters. Credit in dobra, exchange rate visible before payment. Card transfer availability is verified per application
A full IBAN is a rare convenience in Africa. You'll need the account number, bank SWIFT code, and recipient name. Portuguese is written in Latin characters, name is taken from documents. Clarify which island the recipient is served by
Cash distribution where the country's banking network operates. Main location is São Tomé city on the main island. On Príncipe there are only a handful of branches, connected by ferry and flights. How much you can withdraw at once is clarified when processing
For São Tomé and Príncipe you need an account number in IBAN format, the SWIFT code of the bank, and the recipient's name in Latin characters—the details are simpler here than with continental neighbors. Check only the order of digits: after the 2018 denomination, old amounts in sources are a thousand times larger than current ones. And clarify which island: banking services are concentrated on São Tomé, and to reach Príncipe you travel by plane or boat.
We accept RUB, USD, EUR and USDT — we pay out in STN
RUB STN
0.2279per 1 RUB
10 000 ₽ = 2 279 STNUSD STN
20.43per 1 USD
100 $ = 2 043 STNEUR STN
23.15per 1 EUR
100 € = 2 315 STNUSDT STN
20.43per 1 USDT
100 USDT = 2 043 STN| You send | Payout in STN |
|---|---|
| 100 USDT | 2 043 STN |
| 300 USDT | 6 128 STN |
| 500 USDT | 10 214 STN |
| 1 000 USDT | 20 428 STN |
| 5 000 USDT | 102 142 STN |
Where recipients usually get the money in Sao Tome and Principe
BISTP Banco Internacional de STP — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
Ecobank São Tomé — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Energy Bank São Tomé — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
Afriland First Bank STP — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
National currency
The national currency is dobra (STN), with an exchange rate pegged to the euro.
Card systems
Visa and Mastercard are available through BISTP (Banco Internacional de Sao Tomé e Príncipe) and BGFI Bank. The country uses dobra (STN). Banking infrastructure is extremely limited outside the capital.
Payment applications
In 2018 a denomination was carried out at a ratio of 1000:1.
Interbank transfers
Bank transfers use IBAN format ST; international transfers also require the bank's SWIFT/BIC code.
Specifics for ATM24
São Tomé and Príncipe has not imposed sanctions against Russia. Transfers are accepted in STN (dobra) and EUR. ATM24 clarifies the route before confirming the application.
Financial regulator
Banco Central de Sao Tome e Principe (BCSTP) - central bank and financial regulator. Ecobank Sao Tome and BISTP (Banco Internacional de Sao Tome e Principe) accept SWIFT transfers.
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 compiled answers about dobra, the 2018 denomination, and how money reaches the recipient.
To arrange a STN payout in Sao Tome and Principe, ATM24 first checks the receiving channel for the Sao Tome and Principe STN payout route. The route is confirmed before payment, including Banco Internacional de São Tomé e Príncipe, Ecobank São Tomé, card or account details, sender payment method, fee from 0.9%, and timing from 15 minutes. Bank-route examples for Sao Tome and Principe: Banco Internacional de São Tomé e Príncipe, Afriland First Bank STP, Ecobank São Tomé, Banco Equador, and Energy Bank São Tomé.
A card or bank-account payout in Sao Tome and Principe in STN is possible only when the selected route supports it. ATM24 verifies whether the recipient's card, account number, and name match the Sao Tome and Principe STN payout route. The manager confirms the selected bank, such as Banco Internacional de São Tomé e Príncipe or Ecobank São Tomé, before payment because card and account rules may differ. Bank-route examples for Sao Tome and Principe: Banco Internacional de São Tomé e Príncipe, Afriland First Bank STP, Ecobank São Tomé, Banco Equador, and Energy Bank São Tomé.
ATM24 can check whether a STN transfer to Sao Tome and Principe may go through Banco Internacional de São Tomé e Príncipe, Afriland First Bank STP, Ecobank São Tomé, Banco Equador, and Energy Bank São Tomé. 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 Sao Tome and Principe, ATM24 does not use one universal recipient form for every STN transfer. The details are checked by route: Banco Internacional de São Tomé e Príncipe, Afriland First Bank STP, Ecobank São Tomé, Banco Equador, and Energy Bank São Tomé, card payout, account payout. Name, account/card data, and payout currency must match the selected option. Bank-route examples for Sao Tome and Principe: Banco Internacional de São Tomé e Príncipe, Afriland First Bank STP, Ecobank São Tomé, Banco Equador, and Energy Bank São Tomé.
A STN transfer to Sao Tome and Principe can start from 15 minutes after ATM24 confirms the recipient route. Timing depends on amount, recipient details, and Sao Tome and Principe STN payout route, Banco Internacional de São Tomé e Príncipe, Afriland First Bank STP, Ecobank São Tomé, card route, account route, and account and card data comparison. The expected payout window is shown before payment. Bank-route examples for Sao Tome and Principe: Banco Internacional de São Tomé e Príncipe, Afriland First Bank STP, Ecobank São Tomé, Banco Equador, and Energy Bank São Tomé.
The fee for sending money to Sao Tome and Principe with payout in STN is calculated from 0.9% through ATM24. ATM24 shows the sender the fee, exchange conditions, payout route through Afriland First Bank STP or Ecobank São Tomé, and amount the recipient should receive before payment. Bank-transfer fees, card conversion fees, and DCC markups from the sender's provider are separate. Bank-route examples for Sao Tome and Principe: Banco Internacional de São Tomé e Príncipe, Afriland First Bank STP, Ecobank São Tomé, Banco Equador, and Energy Bank São Tomé.
Yes, ATM24 can calculate a transfer to Sao Tome and Principe in STN where the sender pays by card, bank transfer, USDT, or another available method. ATM24 checks the Sao Tome and Principe STN payout route, payment currency, exchange conditions, bank details such as Banco Internacional de São Tomé e Príncipe or Ecobank São Tomé, and the final payout amount. Sender-side card or bank fees are separate from the ATM24 calculation. Bank-route examples for Sao Tome and Principe: Banco Internacional de São Tomé e Príncipe, Afriland First Bank STP, Ecobank São Tomé, Banco Equador, and Energy Bank São Tomé.
The minimum transfer amount to Sao Tome and Principe in STN through ATM24 starts from 100 USD or the equivalent. The maximum amount is confirmed before payment and depends on the Sao Tome and Principe STN payout route, sender payment method, bank, recipient details, and possible document requirements. If the recipient changes Banco Internacional de São Tomé e Príncipe to another bank or switches from account to card, the limit should be checked again. Bank-route examples for Sao Tome and Principe: Banco Internacional de São Tomé e Príncipe, Afriland First Bank STP, Ecobank São Tomé, Banco Equador, and Energy Bank São Tomé.
For a large STN transfer to Sao Tome and Principe, ATM24 reviews documents around Sao Tome and Principe STN payout route, Banco Internacional de São Tomé e Príncipe, Afriland First Bank STP, recipient-name match, route limit, payment purpose, source-of-funds review, and account and card data comparison. 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 Sao Tome and Principe: Banco Internacional de São Tomé e Príncipe, Afriland First Bank STP, Ecobank São Tomé, Banco Equador, and Energy Bank São Tomé.
If you send 1000 USD to Sao Tome and Principe, the recipient amount in STN is not a generic market-rate number: 20,428.32 STN. The calculation uses the payout route, bank such as Ecobank São Tomé, fee from 0.9%, and exchange conditions. ATM24 confirms the final amount before the sender pays. Bank-route examples for Sao Tome and Principe: Banco Internacional de São Tomé e Príncipe, Afriland First Bank STP, Ecobank São Tomé, Banco Equador, and Energy Bank São Tomé.
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