TogoXOFWest African CFA Franc
Togo is one of West African destinations for ATM24. ATM24 distributes XOF as cash in major cities of Togo and credits accounts at Ecobank or BIA-Togo. Flooz/T-Money credit availability is confirmed before payment. The CFA franc to ruble exchange rate is fixed before payment.
The route, the receiving bank and the payout amount are agreed before payment.
Togo is an African destination for ATM24, relevant for entrepreneurs with business contacts in West Africa, as well as Togo natives permanently residing in Russia. The country uses the West African CFA franc (XOF) — a common currency of eight countries in the West African Economic and Monetary Union (WAEMU), with an exchange rate fixed to the euro at 655.957 XOF per 1 EUR. Due to this peg, XOF is highly stable compared to many other African currencies.
Mobile money plays an important role in everyday payments: Flooz from Moov Africa and T-Money from Togocel are widely used, including in areas with limited banking infrastructure. To transfer to a mobile wallet, typically only the recipient's phone number is required, making this channel one of the fastest and most convenient. For larger amounts and corporate transactions, bank transfers to accounts at Ecobank, BIA-Togo, and other Togo banks are available. Togo is a small country with limited direct banking correspondent relationships with Russia, so ATM24 selects an available route individually for each request. The availability of a specific transfer method is confirmed when submitting your application.
Togo's payment ecosystem: banks, mobile money, cash, and transfers. Country — Togo. Receiving currency — XOF (West African CFA franc). Sending currency — RUB, USD, and USDT. Transfer method — mobile money, cash, or bank account. ATM24 commission — from 0.9%. Credit time — from several minutes for available cash and mobile channels; bank transfer time is clarified separately.
Togo's payment ecosystem: main payment systems and services. Flooz from Moov Africa — one of the most popular mobile money services in Togo, allowing transfers by Moov phone number. T-Money from Togocel — one of the country's largest mobile wallets with transfers by Togocel phone number. Ecobank Togo — one of the country's largest banks, handling international SWIFT transfers and regional payments. GIM-UEMOA — the regional interbank payment system of WAEMU countries, providing card operations between banks of eight union member states. Financial regulator — BCEAO, the Central Bank of West African States, which regulates XOF and the banking system of the monetary union countries. Banks in Togo typically operate Mon–Fri from 7:30 to 12:30 and from 14:30 to 16:30 with a midday break; some banks operate on Saturdays from 7:30 to 12:00.
Visa and Mastercard from Ecobank Togo, BIA-Togo, Societe Generale Togo, UTB. You will need 16-digit card number and recipient's full name. XOF credit within several minutes, ruble to XOF exchange rate is fixed before payment
Required: account number, bank name, recipient's full name. Togo banks: Ecobank Togo, BIA-Togo, Societe Generale Togo, UTB, Orabank. XOF credit time — check with manager
CFA franc (XOF) cash distribution in major cities of Togo through partner network. Current distribution points and payment procedures — check with manager when submitting your request
Before submitting your request, confirm with the recipient whether they have a bank account at Ecobank or BIA-Togo, or prefer to receive via mobile money. Flooz/T-Money credit availability is confirmed before payment. Phone number and mobile money operator are key for most recipients in Togo. An ATM24 manager will help you choose the best route.
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 Togo
The country's largest bank, part of the pan-African Ecobank network (31 countries). Accepts international transfers in XOF and USD (SWIFT ECOCTGLO).
Subsidiary of French Societe Generale. SWIFT SGBFTGLO. Accepts SWIFT transfers in XOF and EUR. Handles international transfers.
Major commercial bank with African coverage. Accepts SWIFT transfers in XOF. Serves individual and corporate clients.
UBA Togo — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
Banque Atlantique Togo — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National currency
Togo uses the West African CFA franc (XOF) — a common currency of eight WAEMU member countries.
Card systems
Visa and Mastercard have more limited distribution among individuals and are more commonly used by bank clients and in business settings.
Payment applications
Mobile money services Flooz and T-Money cover a significant portion of Togo's population and are among the country's main payment instruments.
Interbank transfers
The banking system is represented by Ecobank, BIA-Togo, Société Générale Togo, and UTB.
Financial regulator
BCEAO (Banque Centrale des Etats de l'Afrique de l'Ouest) — the central bank and XOF issuer within the WAEMU zone.
Features for ATM24
Togo does not apply Western sanctions against Russia. Flooz (Moov Africa) and T-Money (Togocel) — leading mobile money systems — accept transfers. ATM24 confirms the specific route — via mobile money or SWIFT in XOF.
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
Exchanged rubles for baht, everything's great Fast and precise Special thanks to manager Ekaterina for the clear instructions
Read full reviewEverything went quickly and clearly. Manager Anna helped withdraw cash without any problems. Within about 30 seconds at the ATM the funds were already with us. Many thanks to the professionals!
Read full reviewThey helped exchange rubles to baht very quickly and efficiently, thank you!
Read full reviewI was very worried it was a scam, but everything was excellent. They transferred quite a large amount and converted it to baht without any problems. It all takes about 25 minutes near the ATM. Many thanks! Operator Ekaterina responded quickly and helped resolve all issues.
Read full reviewI exchanged currency with them for the first time, manager Stanislav helped a lot, the transfer was completed quickly, thank you!
Read full reviewThank you, I gained trust in the company, the deal went quickly. I received the currency through an ATM by entering the phone number and code. Exchanged rubles for baht via transfer. Huge thanks to manager Stanislav!
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
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We've compiled answers to frequently asked questions about transfers to Togo, CFA francs, and Flooz and T-Money mobile wallets.
Sending money to Togo with payout in XOF works best when the Togo XOF payout route is checked before the sender pays. ATM24 verifies the route through a bank such as Ecobank Togo or Bank of Africa Togo, confirms the final payout amount, and shows the fee and timing in advance. Bank-route examples for Togo: Ecobank Togo, Orabank Togo, Bank of Africa Togo, West African Development Bank, and Union Togolaise de Banque.
A card or bank-account payout in Togo in XOF is possible only when the selected route supports it. ATM24 verifies whether the recipient's card, account number, and name match the Togo XOF payout route. The manager confirms the selected bank, such as Ecobank Togo or Bank of Africa Togo, before payment because card and account rules may differ. Bank-route examples for Togo: Ecobank Togo, Orabank Togo, Bank of Africa Togo, West African Development Bank, and Union Togolaise de Banque.
Banks for an XOF transfer to Togo should be checked by the recipient's actual route; common references include Ecobank Togo, Orabank Togo, Bank of Africa Togo, West African Development Bank, and Union Togolaise de Banque. ATM24 reviews bank name, account format, recipient-name spelling, and payout currency before the sender pays. A different bank can require a separate check.
For Togo, ATM24 does not use one universal recipient form for every XOF transfer. The details are checked by route: Ecobank Togo, Orabank Togo, Bank of Africa Togo, West African Development Bank, and Union Togolaise de Banque, card payout, account payout. Name, account/card data, and payout currency must match the selected option. Bank-route examples for Togo: Ecobank Togo, Orabank Togo, Bank of Africa Togo, West African Development Bank, and Union Togolaise de Banque.
An XOF transfer to Togo can start from 15 minutes after ATM24 confirms the recipient route. Timing depends on amount, recipient details, and Togo XOF payout route, Ecobank Togo, Orabank Togo, Bank of Africa Togo, card route, account route, and separate checks for Ecobank Togo and Bank of Africa Togo. The expected payout window is shown before payment. Bank-route examples for Togo: Ecobank Togo, Orabank Togo, Bank of Africa Togo, West African Development Bank, and Union Togolaise de Banque.
ATM24 calculates a transfer fee from 0.9% for payouts to Togo in XOF. The final figure depends on the Togo XOF payout route, amount, payment method, bank such as Orabank Togo, and whether the recipient receives money on a card or account. The sender sees the final payout amount before paying. Bank-route examples for Togo: Ecobank Togo, Orabank Togo, Bank of Africa Togo, West African Development Bank, and Union Togolaise de Banque.
Yes, ATM24 can calculate a transfer to Togo in XOF where the sender pays by card, bank transfer, USDT, or another available method. ATM24 checks the Togo XOF payout route, payment currency, exchange conditions, bank details such as Ecobank Togo or Bank of Africa Togo, and the final payout amount. Sender-side card or bank fees are separate from the ATM24 calculation. Bank-route examples for Togo: Ecobank Togo, Orabank Togo, Bank of Africa Togo, West African Development Bank, and Union Togolaise de Banque.
For Togo, the minimum XOF transfer through ATM24 starts from 100 USD or the equivalent. The upper limit is route-based: the manager checks Ecobank Togo, Orabank Togo, recipient details, payout method, and document requirements before payment. A route through Orabank Togo may have different limits than a card or non-bank payout. Bank-route examples for Togo: Ecobank Togo, Orabank Togo, Bank of Africa Togo, West African Development Bank, and Union Togolaise de Banque.
For a large XOF transfer to Togo, ATM24 reviews documents around Togo XOF payout route, Ecobank Togo, Orabank Togo, recipient-name match, route limit, payment purpose, source-of-funds review, and separate checks for Ecobank Togo and Bank of Africa Togo. 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 Togo: Ecobank Togo, Orabank Togo, Bank of Africa Togo, West African Development Bank, and Union Togolaise de Banque.
If you send 1000 USD to Togo, 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 Bank of Africa Togo, fee from 0.9%, and exchange conditions. ATM24 confirms the final amount before the sender pays. Bank-route examples for Togo: Ecobank Togo, Orabank Togo, Bank of Africa Togo, West African Development Bank, and Union Togolaise de Banque.
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