How to send money to Congo from UK with the best GBP-XAF rate

We’ve compared 3 companies, and found Xe to be the cheapest, while TapTap Send the fastest.

Sending £6,000 gets you FCFA4,550,394 with Xe at 758.3990 rupees per pound, about 1.67% more than the next best option.

Best companies for GBP/XAF transfers

3 of 3 providers

Last updated on 28 September 2026

Based on 6,000 GBP transfer

Best companies for GBP/XAF transfers

Sort Cheapest
Promoted

Xe

Pay via Debit card
Fee £0.00 1 GBP = 758.3990 XAF Recipient gets FCFA 4,550,394.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Congo - Brazzaville with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 GBP = 758.3990 XAF
FCFA 4,550,394.00You pay£6,000.00
Promoted

Regency FX

Pay via Bank transfer
Fee £0.00 1 GBP = 0.0000 XAF +0.27% vs mid-market Recipient gets FCFA 0.00 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Congo - Brazzaville with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 GBP = 0.0000 XAF
FCFA 0.00You pay£6,000.00

Run a live search

Showing top United Kingdom to Congo deals for 6,000 GBP. Do a live search with your exact amount for today's best rates.

Xe

Pay via Debit card
Fee £0.00 1 GBP = 758.3990 XAF Recipient gets FCFA 4,550,394.00 Minutes - 24 hours
CheapestRecommended
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Congo - Brazzaville with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 GBP = 758.3990 XAF
FCFA 4,550,394.00You pay£6,000.00

Xe

Pay via Bank transfer
Fee £0.00 1 GBP = 758.3990 XAF Recipient gets FCFA 4,550,394.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Congo - Brazzaville with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 GBP = 758.3990 XAF
FCFA 4,550,394.00You pay£6,000.00

Xe

Pay via Credit card
Fee £0.00 1 GBP = 758.3990 XAF Recipient gets FCFA 4,550,394.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Congo - Brazzaville with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 GBP = 758.3990 XAF
FCFA 4,550,394.00You pay£6,000.00

TapTap Send

Pay via Debit card
Fee £0.00 1 GBP = 745.7000 XAF Recipient gets FCFA 4,474,200.00 Minutes
Fastest
Receive to bank account

Ways to receive money in Congo - Brazzaville with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Mobile moneyMinutesAvailable via:Airtel, MTN
Free1 GBP = 745.7000 XAF
FCFA 4,474,200.00You pay£6,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee £0.00 1 GBP = 0.0000 XAF +0.27% vs mid-market Recipient gets FCFA 0.00 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Congo - Brazzaville with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 GBP = 0.0000 XAF
FCFA 0.00You pay£6,000.00

How to send money from UK to Congo

Pick a company

For a one-off transfer to Congo, I suggest picking the cheapest option which is Xe.

On a 6,000 GBP transfer, Xe delivers the most XAF.

The best option will change depending on how much you actually send, so I suggest to get the best GBP/XAF rate.

Fund your transfer

You have 3 ways to pay, including debit card, bank transfer, and credit card.

Paying from your bank is usually both cheapest and quickest, since most companies connect straight into your banking app via Open Banking.

Anywhere a debit card works, Apple Pay and Google Pay usually do too.

Verify and send

First time round you'll need to confirm your name, date of birth, address and a photo ID.

On £6,000 transfer it's normally instant but can take a couple hours.

Compare amounts

How much GBP are you sending to Congo?

How much GBP you send to Congo 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
£500-0.21%£0.00FCFA 382,960.00with debit card to bank deposit+FCFA 12,236.85
£1,000-0.19%£0.00FCFA 765,010.00with debit card to bank deposit+FCFA 18,360.19
£2,000£0.00FCFA 1,511,339.20with debit card to bank deposit+FCFA 29,902.09
£6,000This page£0.00FCFA 4,550,394.00with debit card to bank deposit+FCFA 925,317.60
£250,0000.20%£0.00FCFA 190,365,348.81with bank transfer to bank deposit+FCFA 3,173,399.05

Ways to send money from the UK to Congo

There are many ways to send money to Congo from the UK, including app, broker, and online, and more.

For small & frequent transfers

Money transfer apps

If you send small amounts back home to Congo, say weekly or monthly, an app like Xe is the easiest and cheapest way to do it.

It charges £0 in fees, has % markup, lets you save recipient details, and XAF will arrive in minutes.

For one off transfers

Online transfers

Sending money online is good for occasional medium sized XAF transfers, around £1,000 - £5,000.

Online companies like Xe often have higher limits and/or first time promos.

Of 1 online services, Xe is the cheapest and will get you FCFA4,550,394 on £6,000 transfer.

For large transfers

Brokers

Currency brokers like Xe are the best for £10,000+ transfers (things like house deposits, education fees, relocation, etc.).

You get a dedicated account manager to handle your transfer to Congo, and 24/7 support.

Xe charges no fees on large transfers, but adds % markup on top of the current GBP/XAF rate.

The markup gets better the more GBP you send, so we suggest .

For business transfers

Global accounts

Global accounts are for UK businesses making payments overseas.

For suppliers, freelancers, salaries, or invoices in Congo, companies like Airwallex, WorldFirst, or Payoneer handle batch and recurring payments a consumer app simply can’t.

Ways to fund GBP and receive XAF in Congo

Pay-in and pay-out methods will affect how much GBP you deposit and how much XAF your recipient gets. Use the table below to see how different options change how much you pay and what they get.

The overall best and cheapest way to send £6,000 to Congo is via Xe, using a debit card to deposit GBP and bank deposit to receive XAF.

Depositing GBP

You have 3 pay-in options for transfers to Congo, including debit card, bank transfer, and credit card.

The cheapest pay-in option is debit card.

The fastest option in the UK is almost always bank transfer, since most companies use Open Banking and Faster Payments System (FPS).

The most expensive deposit option is bank transfer.

Be careful with credit card deposits, since your bank often treats it as a cash advance and will charge interest.

Receiving money in Congo

Money can reach Congo by bank deposit and mobile money, and each delivery method comes with its own fees.

The cheapest way to receive money in Congo is with bank deposit on average.

Digital wallets

Your recipient can receive XAF directly into a digital wallet (like PayPal) which usually takes a few minutes to arrive.

Mobile money

You can send money directly to a mobile number in Congo.

and use our filters to find the company offering mobile money at the best GBP/XAF rate.

  1. 1
    Debit card Bank deposit

    You pay £6,000.00

    FCFA4,550,394

    Cheapest

  2. 2
    Bank transfer Bank deposit

    You pay £6,000.00

    FCFA4,550,394

    FCFA0

  3. 3
    Credit card Bank deposit

    You pay £6,000.00

    FCFA4,550,394

    FCFA0

  4. 4
    Debit card Mobile money

    You pay £6,000.00

    FCFA4,474,200

    -FCFA76,194

Consider this when sending GBP to Congo

There are a few nuances you should consider before sending GBP to Congo such as limits, taxes, and safety.

Compare GBP/XAF transfer options

Right now, these are the best money transfer options for £6,000 transfer to Congo:

Cheapest way to send money to Congo

The cheapest way is to use Xe, pay in with a debit card and withdraw via bank deposit. You will get FCFA4,550,394, which is 1.67% more than the next best option.

Fastest way to send money to Congo

The fastest way is to use TapTap Send via debit card deposit and mobile money for pay out. You get FCFA4,474,200 and it will arrive in minutes.

UK transfer limits

There is no legal limit and no tax on sending your own money abroad.

Main hard limits come from your bank or money transfer company, often around £10,000 to £25,000 online (which you can usually increase in the app).

Also, the "£10,000 declaration" only applies to physically carrying cash through the border, not online transfers.

And on bigger GBP/XAF transfers (roughly £10,000 up) expect a source-of-funds check, such as a payslip or a statement.

That's anti-money-laundering checks, but it holds transfers up, so be prepared.

The transfer costs involved

Your cost is the fee plus the exchange-rate margin.

For example, sending FCFA4,550,394 with Xe will get you 4,550,394 XAF, that’s including £0 fee and % in exchange rate markup.

A bank like on the other hand, will get you FCFA0, that’s £ in fees but % in FX fees.

Taxes on money transfers

There is no UK tax for the act of sending money to Congo.

And, regular gifts out of your normal income are free of inheritance tax straight away, no cap and no seven-year wait.

Staying safe when sending abroad

Only ever use a provider authorised by the FCA, which you can check on the FCA register in under a minute.

The rules in place for any scams cover domestic pound transfers only, on a transfer abroad you're less protected.

Always confirm who you're really sending to before you send, because there's little recourse after.

For more information, check our guide to money transfer regulations in the UK.

Live GBP-XAF Exchange Rate

Finding the best exchange rate for GBP to XAF

The exchange rate you secure impacts how much XAF you get for your GBP, so waiting a day or two can get you more CFA Franc BEAC.

Mid-market rate:1 GBP = 764.68026 XAF

How we analyse the market

We track 3 regulated companies offering money transfers from the UK to Congo in real time.

We analyse the fees, exchange rates, deposit/withdrawal methods, and each goes through our internal review.

Most GBP/XAF pricing data comes directly from the providers. We collect the rest manually, run it through our comparison engine and label it in the table.

More on how we work:

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.