MoneyGram is the cheapest way to send money from Canada to Senegal based on the 9 companies we analyzed, giving your recipient 407,618.8 XOF from $1,000.
| 9 of 9 providers Last updated on 28 September 2026 | |||
| Based on 1,000 CAD transfer Best companies for CAD/XOF transfers | |||
| Ad  MoneyGram Pay via Debit Card | Fees: $1.99 1 CAD = 407.6188 XOF -0.11% vs mid-market | Recipient gets F CFA 407,618.80 6-12 Hours | |
Ways to receive money in Senegal with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile money6-12 HoursAvailable via:Orange $1.991 CAD = 407.6188 XOF F CFA 407,618.80You pay$1,001.99 Mobile wallet6-12 HoursAvailable via:Wave,Mixx $1.991 CAD = 407.6188 XOF F CFA 407,618.80You pay$1,001.99 Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 393.6900 XOF F CFA 393,690.00You pay$1,004.99 Cash pickup6-12 Hours $5.991 CAD = 383.0278 XOF F CFA 383,027.80You pay$1,005.99 | |||
| Ad  WorldRemit Pay via Debit Card | Fees: $3.99 1 CAD = 390.0694 XOF +4.29% vs mid-market | Recipient gets F CFA 388,513.00 Next Day | |
Ways to receive money in Senegal with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyNext Day $3.991 CAD = 390.0694 XOF F CFA 388,513.00You pay$1,000.00 Cash pickupNext Day $4.991 CAD = 390.0694 XOF F CFA 388,122.93You pay$1,000.00 | |||
Run a live search Showing top Canada to Senegal deals for 1,000 CAD. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live CAD to XOF rates. | |||
Run a live search These companies offer multi-currency accounts for spending XOF. We suggest doing a live search based on how much CAD you're planning to spend in Senegal. | |||
Run a live search These are managed services with real human support for large CAD transfers. Click the link and update the transfer amount to get the best deal. | |||
| $0 fee on first online transfers MoneyGram Pay via Debit Card | Fees: $1.99 1 CAD = 407.6188 XOF -0.11% vs mid-market | Recipient gets F CFA 407,618.80 6-12 Hours | |
Ways to receive money in Senegal with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile money6-12 HoursAvailable via:Orange $1.991 CAD = 407.6188 XOF F CFA 407,618.80You pay$1,001.99 Mobile wallet6-12 HoursAvailable via:Wave,Mixx $1.991 CAD = 407.6188 XOF F CFA 407,618.80You pay$1,001.99 Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 393.6900 XOF F CFA 393,690.00You pay$1,004.99 Cash pickup6-12 Hours $5.991 CAD = 383.0278 XOF F CFA 383,027.80You pay$1,005.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit Card | Fees: $1.99 1 CAD = 407.6188 XOF -0.11% vs mid-market | Recipient gets F CFA 407,618.80 6-12 Hours | |
Ways to receive money in Senegal with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile money6-12 HoursAvailable via:Orange $1.991 CAD = 407.6188 XOF F CFA 407,618.80You pay$1,001.99 Mobile wallet6-12 HoursAvailable via:Wave,Mixx $1.991 CAD = 407.6188 XOF F CFA 407,618.80You pay$1,001.99 Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 393.6900 XOF F CFA 393,690.00You pay$1,004.99 Cash pickup6-12 Hours $5.991 CAD = 383.0278 XOF F CFA 383,027.80You pay$1,005.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Cash deposit | Fees: $1.99 1 CAD = 407.6188 XOF -0.11% vs mid-market | Recipient gets F CFA 407,618.80 6-12 Hours | |
Ways to receive money in Senegal with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Mobile money6-12 HoursAvailable via:Orange $1.991 CAD = 407.6188 XOF F CFA 407,618.80You pay$1,001.99 Mobile wallet6-12 HoursAvailable via:Wave,Mixx $1.991 CAD = 407.6188 XOF F CFA 407,618.80You pay$1,001.99 Bank deposit6-12 HoursAvailable via:All Banks $4.991 CAD = 393.6900 XOF F CFA 393,690.00You pay$1,004.99 Cash pickup6-12 Hours $5.991 CAD = 383.0278 XOF F CFA 383,027.80You pay$1,005.99 | |||
 TapTap Send Pay via Debit Card | Fees: $0.00 1 CAD = 407.6000 XOF -0.10% vs mid-market | Recipient gets F CFA 407,600.00 Minutes | |
Ways to receive money in Senegal with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutesAvailable via:Wari Free1 CAD = 407.6000 XOF F CFA 407,600.00You pay$1,000.00 Mobile walletMinutesAvailable via:Mixx by Yas/Free Money, Wave, Wizall / Proximo Free1 CAD = 407.6000 XOF F CFA 407,600.00You pay$1,000.00 Mobile moneyMinutesAvailable via:Orange Free1 CAD = 407.6000 XOF F CFA 407,600.00You pay$1,000.00 | |||
 Western Union Pay via Debit Card | Fees: $0.00 1 CAD = 402.8600 XOF +1.07% vs mid-market | Recipient gets F CFA 402,860.00 Next Day | |
Ways to receive money in Senegal with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 402.8600 XOF F CFA 402,860.00You pay$1,000.00 | |||
| Western Union Pay via Bank Transfer | Fees: $0.00 1 CAD = 402.8600 XOF +1.07% vs mid-market | Recipient gets F CFA 402,860.00 Next Day | |
Ways to receive money in Senegal with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 402.8600 XOF F CFA 402,860.00You pay$1,000.00 | |||
| Only available via Mobile App  Sendwave Pay via Debit Card | Fees: $0.99 1 CAD = 403.0988 XOF +1.01% vs mid-market | Recipient gets F CFA 402,699.77 2 Days | |
Ways to receive money in Senegal with Sendwave when paying by debit card. MethodFee & ratesRecipient gets Mobile money2 Days $0.991 CAD = 403.0988 XOF F CFA 402,699.77You pay$1,000.00 Bank deposit2 Days $0.991 CAD = 403.0988 XOF F CFA 402,699.77You pay$1,000.00 Cash pickup2 Days $1.491 CAD = 403.0988 XOF F CFA 402,498.22You pay$1,000.00 | |||
 Remitbee Pay via Interac | Fees: $0.00 1 CAD = 401.2918 XOF +1.46% vs mid-market | Recipient gets F CFA 401,291.80 Next Day | |
Ways to receive money in Senegal with Remitbee when paying by interac. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 401.2918 XOF F CFA 401,291.80You pay$1,000.00 | |||
| Remitbee Pay via Bill payment | Fees: $0.00 1 CAD = 401.2918 XOF +1.46% vs mid-market | Recipient gets F CFA 401,291.80 Next Day | |
Ways to receive money in Senegal with Remitbee when paying by bill payment. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 401.2918 XOF F CFA 401,291.80You pay$1,000.00 | |||
| Remitbee Pay via Bank Transfer | Fees: $0.00 1 CAD = 401.2918 XOF +1.46% vs mid-market | Recipient gets F CFA 401,291.80 Next Day | |
Ways to receive money in Senegal with Remitbee when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 401.2918 XOF F CFA 401,291.80You pay$1,000.00 | |||
| Remitbee Pay via Debit Card | Fees: $8.99 1 CAD = 401.2918 XOF +1.46% vs mid-market | Recipient gets F CFA 397,684.19 Next Day | |
Ways to receive money in Senegal with Remitbee when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day $8.991 CAD = 401.2918 XOF F CFA 397,684.19You pay$1,000.00 | |||
 Paysend Pay via Debit Card | Fees: $0.00 1 CAD = 396.9697 XOF +2.54% vs mid-market | Recipient gets F CFA 396,969.72 6-12 Hours | |
Ways to receive money in Senegal with Paysend when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 396.9697 XOF F CFA 396,969.72You pay$1,000.00 | |||
| Paysend Pay via Credit Card | Fees: $0.00 1 CAD = 396.9697 XOF +2.54% vs mid-market | Recipient gets F CFA 396,969.72 6-12 Hours | |
Ways to receive money in Senegal with Paysend when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 396.9697 XOF F CFA 396,969.72You pay$1,000.00 | |||
 Ria Money Transfer Pay via Debit Card | Fees: $1.50 1 CAD = 396.6328 XOF +2.62% vs mid-market | Recipient gets F CFA 396,037.85 6-12 Hours | |
Ways to receive money in Senegal with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $1.501 CAD = 396.6328 XOF F CFA 396,037.85You pay$1,000.00 Mobile wallet6-12 Hours $1.501 CAD = 396.6328 XOF F CFA 396,037.85You pay$1,000.00 Cash pickup6-12 Hours $1.501 CAD = 395.6971 XOF F CFA 395,103.55You pay$1,000.00 | |||
| Ria Money Transfer Pay via Credit Card | Fees: $2.00 1 CAD = 396.6328 XOF +2.62% vs mid-market | Recipient gets F CFA 395,839.53 6-12 Hours | |
Ways to receive money in Senegal with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.001 CAD = 396.6328 XOF F CFA 395,839.53You pay$1,000.00 Mobile wallet6-12 Hours $2.001 CAD = 396.6328 XOF F CFA 395,839.53You pay$1,000.00 Cash pickup6-12 Hours $2.001 CAD = 395.6971 XOF F CFA 394,905.71You pay$1,000.00 | |||
 Remitly Pay via Debit Card | Fees: $0.00 1 CAD = 394.0300 XOF +3.28% vs mid-market | Recipient gets F CFA 394,030.00 2 Days | |
Ways to receive money in Senegal with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 CAD = 394.0300 XOF F CFA 394,030.00You pay$1,000.00 | |||
| Remitly Pay via Credit Card | Fees: $20.00 1 CAD = 394.0300 XOF +3.28% vs mid-market | Recipient gets F CFA 394,030.00 2 Days | |
Ways to receive money in Senegal with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank deposit2 Days $20.001 CAD = 394.0300 XOF F CFA 394,030.00You pay$1,020.00 | |||
| Remitly Pay via Bank Transfer | Fees: $0.00 1 CAD = 394.0300 XOF +3.28% vs mid-market | Recipient gets F CFA 394,030.00 2 Days | |
Ways to receive money in Senegal with Remitly when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 CAD = 394.0300 XOF F CFA 394,030.00You pay$1,000.00 | |||
| Remitly Pay via Interac | Fees: $0.00 1 CAD = 394.0300 XOF +3.28% vs mid-market | Recipient gets F CFA 394,030.00 2 Days | |
Ways to receive money in Senegal with Remitly when paying by interac. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 CAD = 394.0300 XOF F CFA 394,030.00You pay$1,000.00 | |||
| Only available via Mobile App WorldRemit Pay via Debit Card | Fees: $3.99 1 CAD = 390.0694 XOF +4.29% vs mid-market | Recipient gets F CFA 388,513.00 Next Day | |
Ways to receive money in Senegal with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyNext Day $3.991 CAD = 390.0694 XOF F CFA 388,513.00You pay$1,000.00 Cash pickupNext Day $4.991 CAD = 390.0694 XOF F CFA 388,122.93You pay$1,000.00 | |||
| How Our Results Work Mid-market rate: 1 CAD = 407.1793 XOF Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is MoneyGram at 407,618.8 XOF on $1,000.
More than half of Canadians sending money still pay at a store counter. The same company is often cheaper online.
You have 6 ways to pay, including debit card, credit card, bank transfer, interac, cash deposit, and bill payment.
Interac e-Transfer is how most companies take your money, moving it into their Canadian account so they can carry it over the border.
First time round you'll need a photo ID, and often where the money came from.
Your first transfer will be slower than the ones after it because of those checks, so send it a few days before it's needed.
How much CAD you send to Senegal heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $100 | -0.11% | $1.99 | F CFA 40,761.88with debit card to mobile money | +F CFA 997.04 | |
| $500 | -0.11% | $1.99 | F CFA 203,809.40with debit card to mobile money | +F CFA 3,917.93 | |
| $1,000This page | -0.11% | $1.99 | F CFA 407,618.80with debit card to mobile money | +F CFA 8,074.52 | |
| $10,000 | -0.11% | $1.99 | F CFA 4,076,188.00with debit card to mobile money | +F CFA 34,734.10 | |
| $50,000 | -0.14% | $1.99 | F CFA 20,380,940.00with debit card to mobile money | +F CFA 169,821.14 |
Mid-market rate: 1 CAD = 407.1793 XOF
There are 9 companies sending money to India, but how you send depends on your needs.
Most common option
Hand your cash over the counter and your recipient can collect it the same day without needing an app or bank account.
Bring $1,000 in cash to the closest MoneyGram location, and your recipient picks up 407,618.8 XOF within minutes.
Cash transfers cost more
Cash transfer to Senegal is usually the most expensive option, compare your options above to get the best deal.
For transfers home
An app does the same job as the store for less, and you top it up with an Interac e-Transfer, the same way you'd send money to a friend.
MoneyGram charges $1.99 in fees and adds -0.11% markup, so your $1,000 delivers 407,618.8 XOF in 6-12 hours.
You don't need a SIN to sign up either, a passport works.
For one-off transfers
For bigger or less frequent transfers, compare a couple of online services on the day, and pick the cheapest.
Of 9 online companies, MoneyGram is the cheapest and currently gets you 407,618.8 XOF on a $1,000 transfer after a $1.99 fee and -0.11% markup.
Funding by bank transfer (EFT) is cheapest but takes 1-2 days to clear, and Interac e-Transfer or debit card is faster but pricier.
For large transfers from Canada
For property, tuition, moving from Canada, or an inheritance, a broker is the best and usually the cheapest option.
For large transfers (CA$15,000+), brokers like Currencies Direct or RegencyFX charge no fee, but add a margin that gets lower the more you send. Run a live search with your real amount to see it.
If you're sending large amounts. expect more questions about the transfers, so have statements and documents ready to avoid delays.
For businesses paying abroad
Global accounts handle the business side, paying suppliers, contractors and overseas invoices in XOF.
Companies like OFX, Airwallex, or WorldFirst are set up for the batch and recurring payments a personal app can't do.
With MoneyGram, paying by debit card and receiving through mobile money is the cheapest combination. Sending $1,000 gives your recipient 407,618.8 XOF.
Deposit CAD using debit card, credit card, bank transfer, interac, cash deposit, and bill payment.
I suggest using Interac e-Transfer for simplicity
Follow the company's Interac instructions and check the business name before sending.
Do not send to an email address supplied outside the company's app or website.
The recipient can receive XOF through bank deposit, cash pickup, mobile money, and mobile wallet.
For a bank deposit payout, you will need the recipient's bank details in Senegal.
You pay $1,001.99
CFA407,619
Cheapest
You pay $1,001.99
CFA407,619
CFA0
You pay $1,001.99
CFA407,619
CFA0
You pay $1,001.99
CFA407,619
CFA0
You pay $1,001.99
CFA407,619
CFA0
You pay $1,001.99
CFA407,619
CFA0
You pay $1,000.00
CFA407,600
-CFA19
You pay $1,000.00
CFA402,860
-CFA4,759
You pay $1,000.00
CFA402,860
-CFA4,759
You pay $1,000.00
CFA401,292
-CFA6,327
You pay $1,000.00
CFA401,292
-CFA6,327
You pay $1,000.00
CFA396,970
-CFA10,649
You pay $1,000.00
CFA394,906
-CFA12,713
You pay $1,004.99
CFA393,690
-CFA13,929
You pay $1,005.99
CFA383,028
-CFA24,591
Interac can fund an international transfer, but it does not send money abroad by itself. You should also know what happens when a transfer reaches the FINTRAC reporting threshold.
For a $1,000 transfer to Senegal, these are the cheapest, fastest and easiest options available now.
Best way to send money to Senegal
MoneyGram is the cheapest and easiest option, funded by debit card with mobile money for the payout. Your recipient gets 407,618.8 XOF, which is 0% more than the next best option.
Fastest way to send money to Senegal
TapTap Send is fastest when you pay by debit card and choose cash pickup for the payout. The transfer delivers 407,600 XOF in minutes.
An Interac e-Transfer cannot go directly to a recipient in Senegal.
When a transfer company accepts Interac, you send CAD to its Canadian account and the company handles the international side over its own network.
There is no C$10,000 legal cap on electronic transfers from Canada.
A reporting entity must report an international electronic funds transfer of C$10,000 or more to FINTRAC, including linked transfers that meet the 24-hour rule.
The bank or transfer company makes that report, you do not file it yourself.
But you may be asked for proof of where the money came from.
Sending your own cash or making a genuine cash gift does not create a Canadian gift tax simply because the money goes abroad.
Tax can become relevant when you transfer an appreciated asset rather than cash, or when attribution rules apply.
Money held with a payment company is not covered by CDIC in the same way as an eligible bank deposit.
Payment companies covered by the Retail Payment Activities Act must safeguard end-user funds, but the Bank of Canada does not resolve individual fee or payment disputes.
If you’re unsure about the company, you can check the company in the FINTRAC MSB Registry.
If you live in Quebec, also confirm that it is allowed to provide money services there.
The rate has a direct impact on the XOF amount received. The last seven days show how today's CAD quote compares with the recent market.
Mid-market rate:1 CAD = 407.00235 XOF
Most of the pricing here comes straight from the companies, and anything we gather by hand is labelled in the table.
That covers 9 FINTRAC-registered companies sending CAD to Senegal, updated in real time during a live search, compared on rates, fees and how your recipient can collect.
Each goes through our review. More on who we are, why you can trust us and getting started.
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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