Send money to Senegal

For European senders, the XOF-EUR peg simplifies comparison — you only need to compare fees, not exchange rates. Wave and WorldRemit offer the lowest-cost options for mobile money delivery. From the US or UK, Wise and Remitly typically deliver the most XOF after accounting for both fees and FX markup.

Yes. WorldRemit, Remitly, and several other providers deliver directly to Orange Money wallets in Senegal. You need the recipient's Orange phone number (starting with 77 or 78). Funds arrive in minutes, and your recipient can cash out at any of thousands of Orange Money agent points across the country.

Wave is a Senegalese mobile money company that launched in 2020 and rapidly gained millions of users by offering free person-to-person transfers and low cash-out fees. Some international providers now support Wave wallet delivery. Your recipient needs a Wave account linked to their Senegalese phone number.

Orange Money and Wave transfers arrive within minutes. Bank deposits to CBAO or Société Générale Sénégal take 1–3 business days. Cash pickup at Western Union, Wari, or Joni Joni agents is usually ready within an hour. Speed depends primarily on your chosen delivery method, not the provider.

The West African CFA franc is pegged to the euro at a fixed rate of 655.957 XOF = 1 EUR. This peg has been in place since 1999 and is guaranteed by the French Treasury. If you're sending from a Eurozone country, there is no currency fluctuation risk — only the provider's transfer fee matters.

You'll need the recipient's full name, bank name (CBAO, Société Générale, BHS, etc.), and account number. Senegal uses BCEAO-standard RIB (Relevé d'Identité Bancaire) numbers for bank identification. IBAN is not commonly used in Senegal, though some banks issue IBAN-format numbers for international transfers.

Yes. Beyond Western Union and MoneyGram, Senegal has dense local networks through Wari and Joni Joni, which operate at small shops, pharmacies, and dedicated kiosks. These local networks often reach areas where global brands have limited presence, especially in Casamance and eastern Senegal.

Senegal does not tax incoming personal remittances. The BCEAO (Central Bank of West African States) regulates cross-border transfers across the WAEMU zone. However, mobile money cash-out fees apply when your recipient withdraws from Orange Money or Wave — these are typically 1–2% of the withdrawal amount.

Remittances into Senegal are regulated by the BCEAO, which oversees all eight WAEMU member states. There is no cap on incoming personal transfers. Providers must be licensed by the BCEAO or partner with locally licensed institutions. Anti-money-laundering rules require sender and recipient identification for all transfers.

Wari has the broadest physical network in Senegal with over 10,000 touchpoints including shops, gas stations, and kiosks. Western Union follows with thousands of locations. For mobile delivery, Orange Money's agent network covers virtually every neighborhood in Dakar and has strong penetration in secondary cities and towns.