How to send money to Togo in 2026: CFA francs to an account in Lome in 1-3 business days or to a mobile wallet by phone number
In 2026 money reaches an account in Lome in 1-3 business days or a mobile wallet by phone number, in CFA francs pegged to the euro. You need the account number, the bank's international code and the name. Up to $10,000 the bank checks the purpose, and from $10,000 asks for a statement and a contract.
In short
- 585.28 francs per dollar is the rate on 9 October 2026.
- A non-resident account is opened with central bank approval since 1 August 2025.
- A home for a foreigner is bought with government authorisation and before a notary.
- Only a registered plot is sold.
In detail
A transfer to Togo: what works on 9 October 2026
The table data for Togo is current in 2026. Money reaches Lome by bank transfer in West African CFA francs in 1-3 business days, to a mobile wallet by phone number and through a money transfer system. 585.28 francs is the price of a dollar on that date, and the rate to the euro is fixed at 655.957 francs per euro.
| Route | Now | Currency credited | Time | What you need |
|---|---|---|---|---|
| Bank transfer to a CFA franc account | works | West African CFA francs | 1-3 business days | the account number, the bank's international code, the recipient's name |
| Transfer to a non-resident account | works, the account is opened with central bank approval | CFA francs or the account currency | 1-3 business days | a non-resident account at a bank in Togo |
| Transfer to a mobile wallet | works | CFA francs | from a few minutes | the recipient's phone number |
| Money transfer system | works | CFA francs | from a few minutes | the recipient's ID document |
Is a bank abroad slow with a payment to Lome? There are usually more options than it seems: a manager will suggest how to carry it out for your sum.
A non-resident account in Togo: why it is opened in advance
On 1 August 2025 the central bank's instructions to the new 2024 regulation on external financial relations came into force in Togo and the other union countries. Now a bank opens any non-resident account, in francs or in foreign currency, after central bank approval, so the application is filed in advance, before the first large transfer. Approval is also needed for accounts in francs and euros that a bank previously opened at its own discretion.
Citizens of union countries living abroad open a CFA franc account on the same terms as residents. A foreign currency account is topped up only in its currency, and for spending in Togo money is exchanged into francs at the euro-pegged rate.
While a non-resident account awaits approval, a relative or partner receives the money to their own franc account. So that the first sum arrives without delays, we will suggest how best to send it to Togo. The capital is covered on the Lome page.
We will help you send money to Togo
Mistakes cost more than fees: paying for a house before government authorisation, a first large transfer before the non-resident account is approved, a lease longer than 9 years without approval. We will help you avoid them: we will choose the route and timing, prepare documents on the origin of the money for the bank and carry out the transfer through to crediting.
Details and terms are with a manager in the chat: the cost depends on the sum and the purpose of the transfer.
A house or plot in Togo: authorisation, registration and a notary
2018 is the year Togo adopted its land code, under which any deal where a foreigner gets land or a house from a citizen goes ahead with prior government authorisation. The same authorisation is needed for a lease longer than 9 years, and if a foreigner later sells the house to another foreigner, the buyer gets their own authorisation.
Only a registered plot is sold, and a notary handles the deal: registration in the land book comes before the sale, not after. So money for a purchase is sent after authorisation to the notary's account, and the bank matches the payment against the contract and the registration number.
A lease of a flat or house in Lome longer than three years is also certified by a notary, and rent for several years ahead is sent under that contract. If the sum is large, a manager will check the documents before the money is sent.
A transfer to Togo by sum: from family support to buying a home
The port of Lome also serves supplies to landlocked neighbouring countries, so many payments to Togo go under supply contracts, not only to relatives.
- Up to $10,000. A bank in Lome checks the recipient's name, the account or phone number and the purpose: support for loved ones, study, medical care.
- $10,000-100,000. The sender attaches their account statement and a contract: a lease, a study contract, a supply contract through the port of Lome.
- From $100,000. The bank looks into the source of the money, the government authorisation for the deal and the notarial contract. At this level a specialist will prepare the document package together with you.
How to show a bank where your money comes from is covered in the article on proof of source of funds, and large payments in the article on sending a large sum abroad. If you are moving to Togo yourself together with your capital, the plan is on the capital relocation page.
Sending money to neighbouring countries
- How to send money to Benin: the eastern neighbour with an online land registry
- How to send money to Côte d'Ivoire: the union's instant payments
- How to send money to Cameroon: the Central African franc
- How to send money to France: the euro at a fixed rate
- How to send money to Ghana: an English-speaking country on the same coast
When savings move to a new country in full, see the capital relocation page.
FAQ
Is central bank approval needed to open a non-resident account in Togo?
Does a foreigner need government authorisation to buy a house in Togo?
Is a notary needed when buying a plot in Togo?
Since when has Togo's land code been in force?
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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