How to send money to Guinea in 2026: francs, dollars or euros to an account and a wallet, instant within the country
Money is sent to Guinea by bank transfer to a local bank account: in francs at the bank's rate or in dollars and euros to a currency account without exchange, and a mobile wallet by phone number suits family. Since 22 July 2026 money moves around the clock within the country.
In short
- The central bank reference rate on 7 October 2026 - 8,798.33 francs per dollar.
- Banks keep accounts in dollars and euros, and there is no international account number.
- The instant payment system has worked since 22 July 2026.
- The 1992 land code grants home ownership to individuals and companies.
In detail
In 2026 money is sent to Guinea to an account in Guinean francs, to a dollar or euro currency account at a local bank, or to a mobile wallet. The franc rate floats: the Central Bank of Guinea gave 8,798.33 francs per dollar on 7 October 2026. Since July 2026 the country's banks and wallets have been linked by a common instant payment system across Guinea.
| Where to send the money | Status on 8 October 2026 | Currency | Details for the sender |
|---|---|---|---|
| Account in francs | works | Guinean francs at the bank's rate | the bank's international code and the account number with its key |
| Currency account at a Guinean bank | works | dollars or euros without exchange | the same details and the account currency |
| Mobile wallet | works | Guinean francs | phone number and the owner's name |
| Instant transfer within the country | works around the clock since 22 July 2026 | Guinean francs | account, wallet or phone |
Checked on 8 October 2026. The reference rate of the Central Bank of the Republic of Guinea on 7 October 2026 was 8,798.327 francs per dollar and 9,914.83 francs per euro.
The Guinean franc rate: keep dollars in the account or exchange straight away
The Guinean franc is pegged neither to the euro nor to the dollar: the rate is set on the interbank market, and the central bank publishes a reference rate every day. Guinean banks keep current, savings and term accounts in dollars and euros, so a large amount is conveniently received in foreign currency and exchanged in parts, as expenses arise.
Guinea has no international account number. The sender is given the recipient bank's international code and the local account number: the bank code, the branch code, the account itself and the key. The number length varies by bank, so it is copied in full from the statement.
Guinea's instant payment system: what started working in 2026
On 15 January 2025 the central bank launched a national switch for cards and electronic payments. On 22 July 2026 an instant payment system opened on its basis: it moves money around the clock between banks, e-wallets and microfinance institutions. Participants are connected in turn. Large amounts between banks go through the central bank's real-time settlement system.
Need to send money to family in Conakry to a wallet and keep the rest in dollars? Our manager will suggest a route for each amount.
An investor's profit and capital: the investment code guarantee
Under Article 17 of the 2015 Investment Code a foreign investor transfers abroad current payments, after-tax profit, dividends and savings without separate permission and in the currency of their choice, and foreign employees transfer their salaries. There is one condition: taxes have been paid.
Owning a house in Conakry: what the land code provides
Under Article 1 of the 1992 Land and State Property Code, land and buildings in Guinea may be owned by the state, individuals and companies; the code sets no condition on the buyer's citizenship. Ownership is confirmed by an entry in the land register and a title deed. A contract certified by a notary abroad is legalised at the Ministry of Foreign Affairs of Guinea for registration.
Buying a house from abroad is planned together with the transfer: the payment currency, the seller's account and the documents for registration. Our manager will review the deal and the payment order.
Tax residence in Guinea and bank papers by amount
Under the tax code a resident is someone who has a permanent home in Guinea, or lives in the country for more than six months a year, or has their main job and centre of economic interests there. Banks check clients under the 2021 anti-money laundering law, supervised by the central bank. In 2026 the documents grow with the amount:
| Amount | What the bank in Conakry will ask | What to show |
|---|---|---|
| Up to $10,000 | the sender and the purpose | purpose: family support, studies, medical treatment |
| $10,000 - $100,000 | the source of the money | bank statement, income certificate |
| From $100,000 | the source of the money and the deal | purchase agreement, land register extract, tax return |
A transfer for a house purchase is credited without pauses when the papers are collected in advance. We compare countries for moving with capital on the capital relocation page.
We will help you send money to Guinea
An incomplete account number, dollars to a franc account, paying for a house without a legalised contract - such mistakes cost more than the fee. We will help you avoid them: we will choose the currency and route, prepare documents for the bank in Conakry and take the transfer through licensed partners until it is credited.
Details and cost are with our manager in the chat: everything depends on the amount, currency and purpose of the transfer to Guinea.
Guinea and its neighbours: from Bissau to Monrovia
- Guinea-Bissau: the north-western neighbour on the CFA franc.
- Sierra Leone: the southern neighbour with the new leone.
- Liberia: a neighbour where the US dollar and the Liberian dollar are both in use.
- Senegal: the northern neighbour with the union's instant payments.
- Côte d'Ivoire: the eastern neighbour, the largest economy of the franc zone.
- France: the source of many transfers to Guinea.
Choosing a country to live in with your money is on the capital relocation page.
FAQ
Does Guinea have an international bank account number?
Since what date have instant transfers between banks and wallets worked in Guinea?
Can a foreigner own a house in Guinea?
How long do you need to live in Guinea to become a tax resident?
We will suggest the best way to send your money
We will choose a transfer method for your amount and country, prepare the documents on the origin of the money for the bank, make the transfer through licensed partners and follow it until the money is credited. Ask your question in the chat - the manager will suggest the best terms and the cost. The legal side with banks and government bodies is handled by Murblz specialists and locally licensed partners.
Details and cost are with the manager in the chat. Describe your situation and we will reply right away.
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