SenegalXOFWest African CFA Franc
The West African franc CFA is Senegal's currency, and its rate is pegged to the euro, making the exchange predictable. An interesting detail: the central bank for eight countries in the region is located in Dakar itself. Mobile wallets are widespread, and many recipients rarely visit banks - it's worth clarifying the details 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), shared by eight countries in the BCEAO zone and rigidly pegged to the euro at the rate of 1 EUR = 655.957 XOF. Dakar is not only Senegal's capital but also the headquarters of Banque Centrale des États de l'Afrique de l'Ouest (BCEAO), the central bank of the entire West African Monetary Union, which issues XOF for all eight countries in the zone. Thanks to the fixed rate, the exchange rate to the euro remains predictable. The official language is French, and Wolof is widely used in everyday life; bank details and documents are usually drawn up in Latin characters. A special feature of Senegal is the widespread use of mobile payments and wallets: some recipients use their phone more often than a bank branch, so the method of receipt and exact details should be clarified in advance. Senegal is not represented in the international IBAN registry: for an international SWIFT transfer, you typically need the bank's SWIFT/BIC code, account number, and the recipient's full name.
The main banking centers are Dakar, Thiès, Saint-Louis, and Ziguinchor. Senegal operates on UTC+0 time zone and is 3 hours behind Moscow. ATM24 checks the available route and method of receipt in advance before confirming the application. International SWIFT transfers take 2–5 business days. ATM24's commission is from 0.9%.
Card networks operate in Dakar and major cities. You need the card number and cardholder's name in Latin characters. The amount in CFA francs is fixed in the application and doesn't change after that. Whether the card route works is verified in advance
The country has no international IBAN: you need the bank's SWIFT code and account number. The application includes the account number, SWIFT code, and recipient's name in Latin characters. Clarify the account details in advance: in Senegal many people use mobile wallets and don't know their bank details by heart. The route's viability is confirmed before sending money
Cash withdrawal at major centers across the country. Main locations are Dakar, Thiès, Saint-Louis, and Ziguinchor. There are fewer branches in rural areas, where cash is helpful. The available amount is mentioned when submitting the application
When applying for a transfer to Senegal, you provide the recipient's account number, their bank's SWIFT code, and the name in Latin characters - the country has no international IBAN. The CFA franc rate is pegged to the euro, so the exchange rate is predictable. It's worth checking the details in advance: in Senegal many people use mobile wallets and rarely visit banks, and transfers arrive as account deposits, card transfers, or cash.
We accept RUB, USD, EUR and USDT — we pay out in XOF
RUB XOF
6.08per 1 RUB
10 000 ₽ = 60 824 XOFUSD XOF
545.3per 1 USD
100 $ = 54 530 XOFEUR XOF
618.16per 1 EUR
100 € = 61 816 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 Senegal
Société Générale Sénégal — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
CBAO Compagnie Bancaire AOF — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Ecobank Sénégal — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
Banque Atlantique Sénégal — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
BIS Banque Islamique du Sénégal — an Islamic bank offering accounts, cards, and financial products structured according to Sharia principles.
National currency
The national currency is the West African CFA franc (XOF), whose rate is pegged to the euro at 1 EUR = 655.957 XOF.
Card systems
The country is part of the BCEAO/WAEMU zone. Orange Money is the largest mobile wallet. Wave is a rapidly growing payment system with zero commission. Free Money and Wizall are also popular. Visa and Mastercard are available through major banks.
Payment applications
The official language is French, and Wolof is widely used in everyday life.
Interbank transfers
Senegal is not represented in the international IBAN registry: international transfers use the bank's SWIFT/BIC code and account number.
Financial regulator
Banque Centrale des États de l'Afrique de l'Ouest (BCEAO) - the common central bank of eight countries in the currency zone; its headquarters is located in Dakar.
Features for ATM24
Senegal operates on UTC+0 time zone and is 3 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
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 CFA franc, how people pay in the country, and the transfer process.
A money transfer to Senegal in XOF through ATM24 starts with choosing how the recipient will be paid on the Senegal XOF payout route. The manager verifies recipient name, payment method, Ecobank Sénégal, fee from 0.9%, and estimated processing time before payment. Bank-route examples for Senegal: CBAO Groupe Attijariwafa Bank, Ecobank Sénégal, Malian Solidarity Bank, Crédit Foncier de l’Ouest Africain, and Bridge Bank West Africa (BBWA).
The recipient can use a card or bank account for an XOF transfer to Senegal if that channel is available for the bank. Before payment, ATM24 checks CBAO Groupe Attijariwafa Bank, Ecobank Sénégal, 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 Senegal: CBAO Groupe Attijariwafa Bank, Ecobank Sénégal, Malian Solidarity Bank, Crédit Foncier de l’Ouest Africain, and Bridge Bank West Africa (BBWA).
A transfer to Senegal in XOF can be sent to the recipient's bank if that bank accepts the incoming credit. Banks to check for this destination include CBAO Groupe Attijariwafa Bank, Ecobank Sénégal, Malian Solidarity Bank, Crédit Foncier de l’Ouest Africain, and Bridge Bank West Africa (BBWA). ATM24 verifies the bank, account format, recipient name, and payout currency before the sender pays.
For an XOF transfer to Senegal, ATM24 checks recipient details against the selected receiving route: Senegal XOF payout route, CBAO Groupe Attijariwafa Bank, Ecobank Sénégal, Malian Solidarity Bank, Crédit Foncier de l’Ouest Africain, and Bridge Bank West Africa (BBWA), card payout, account payout, recipient name, XOF payout data, and payout-limit review for the exact receiving channel. 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 Senegal: CBAO Groupe Attijariwafa Bank, Ecobank Sénégal, Malian Solidarity Bank, Crédit Foncier de l’Ouest Africain, and Bridge Bank West Africa (BBWA).
Transfer timing to Senegal in XOF starts from 15 minutes when the bank, card, or account route is ready. ATM24 checks CBAO Groupe Attijariwafa Bank, Ecobank Sénégal, and any route limit before payment. If the receiving bank asks for clarification, processing can take longer. Bank-route examples for Senegal: CBAO Groupe Attijariwafa Bank, Ecobank Sénégal, Malian Solidarity Bank, Crédit Foncier de l’Ouest Africain, and Bridge Bank West Africa (BBWA).
For a transfer to Senegal in XOF, the ATM24 service fee starts from 0.9% and is confirmed before payment. The manager calculates the final amount using the Senegal XOF payout route, exchange conditions, recipient bank such as CBAO Groupe Attijariwafa Bank, and sender's payment method. Separate bank or card-issuer fees may still apply outside the ATM24 calculation. Bank-route examples for Senegal: CBAO Groupe Attijariwafa Bank, Ecobank Sénégal, Malian Solidarity Bank, Crédit Foncier de l’Ouest Africain, and Bridge Bank West Africa (BBWA).
Yes, the sender can use an available card, bank transfer, USDT, or another confirmed method while the recipient receives XOF in Senegal. The manager checks CBAO Groupe Attijariwafa Bank, Ecobank Sénégal, payout route, exchange conditions, and final amount before payment. Any card conversion or sending-bank fee remains outside the recipient payout. Bank-route examples for Senegal: CBAO Groupe Attijariwafa Bank, Ecobank Sénégal, Malian Solidarity Bank, Crédit Foncier de l’Ouest Africain, and Bridge Bank West Africa (BBWA).
ATM24 accepts transfers to Senegal in XOF from 100 USD or the equivalent. The maximum amount is not a single country-wide number; it depends on the Senegal XOF payout route, bank rules, payout channel, sender payment method, and recipient data. For a large transfer, the manager confirms the limit and documents before the sender pays. Bank-route examples for Senegal: CBAO Groupe Attijariwafa Bank, Ecobank Sénégal, Malian Solidarity Bank, Crédit Foncier de l’Ouest Africain, and Bridge Bank West Africa (BBWA).
Large transfers to Senegal in XOF are checked by amount, recipient route, and receiving bank. ATM24 reviews CBAO Groupe Attijariwafa Bank, Crédit Foncier de l’Ouest Africain, card or account payout, payment purpose, and source-of-funds information. Any document request is named before the sender pays. Bank-route examples for Senegal: CBAO Groupe Attijariwafa Bank, Ecobank Sénégal, Malian Solidarity Bank, Crédit Foncier de l’Ouest Africain, and Bridge Bank West Africa (BBWA).
The estimated payout for sending 1000 USD to Senegal in XOF should be checked by route: 545,301.82 XOF. ATM24 reviews CBAO Groupe Attijariwafa Bank, Ecobank Sénégal, Malian Solidarity Bank, Crédit Foncier de l’Ouest Africain, and Bridge Bank West Africa (BBWA), 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 Senegal: CBAO Groupe Attijariwafa Bank, Ecobank Sénégal, Malian Solidarity Bank, Crédit Foncier de l’Ouest Africain, and Bridge Bank West Africa (BBWA).
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