How to send money to Togo from Nigeria with the best NGN-XOF rate
PayPal App (P2P Transfer) is the overall cheapest way to send money from Nigeria of the 3 options available. It will get you 141,006.57 XOF from 360,000 NGN transfer.
In Togo, you can withdraw money using bank deposit.
Use our filters below to find the best transfer option for your needs.
| 3 of 3 providers Last updated on 28 September 2026 | |||
| Based on 360,000 NGN transfer Best companies for NGN/XOF transfers | |||
Run a live search Showing top Nigeria to Togo deals for 360,000 NGN. 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 NGN 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 NGN you're planning to spend in Togo. | |||
Run a live search These are managed services with real human support for large NGN transfers. Click the link and update the transfer amount to get the best deal. | |||
| Send Money Between PayPal Accounts  PayPal App (P2P Transfer) Pay via Bank transfer | Fee ₦14,400.00 1 NGN = 0.4080 XOF +6.00% vs mid-market | Recipient gets F CFA 141,006.57 Minutes | |
Ways to receive money in Togo with PayPal App (P2P Transfer) when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes ₦14,400.001 NGN = 0.4080 XOF F CFA 141,006.57You pay₦360,000.00 | |||
| Send cash via a MoneyGram agent  MoneyGram Agent Pay via Bank transfer | Fee ₦14,400.00 1 NGN = 0.4080 XOF +6.00% vs mid-market | Recipient gets F CFA 141,006.57 Minutes - 3 days | |
Ways to receive money in Togo with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days ₦14,400.001 NGN = 0.4080 XOF F CFA 141,006.57You pay₦360,000.00 | |||
| Send cash via a Western Union agent  Western Union Agent Pay via Bank transfer | Fee ₦10,800.00 1 NGN = 0.4037 XOF +7.00% vs mid-market | Recipient gets F CFA 140,959.69 Minutes - 5 days | |
Ways to receive money in Togo with Western Union Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days ₦10,800.001 NGN = 0.4037 XOF F CFA 140,959.69You pay₦360,000.00 | |||
| How Our Results Work Mid-market rate: 1 NGN = 0.4340 XOF Updates every 60 minutes. | |||
Transfer details
How to send money from Nigeria to Togo
Pick a company
Start with the best service, which is PayPal App (P2P Transfer) at 141,006.57 XOF for ₦360,000 transfer.
Most of the transfer apps you see advertised only bring money into Nigeria, but companies above can send it out.
Fund your transfer
You have 1 ways to pay, including bank transfer.
A transfer from your banking app is instant and free, and it's how nearly everyone pays.
Verify and send
First time round you'll need your BVN and a photo ID.
Get it done before the day you need to send, since it's the usual reason a first transfer stalls.
Check the rate you're shown against the day's rate before you confirm.
How much NGN are you sending to Togo?
How much NGN you send to Togo 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 | |||||
|---|---|---|---|---|---|
| ₦300,000 | 6.00% | ₦12,000.00 | F CFA 117,497.35with bank transfer to bank deposit | +F CFA 13.02 | |
| ₦360,000This page | 6.00% | ₦14,400.00 | F CFA 141,006.57with bank transfer to bank deposit | +F CFA 15.63 |
Mid-market rate: 1 NGN = 0.4340 XOF
Ways to fund NGN and receive XOF in Togo
With PayPal App (P2P Transfer), paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending ₦360,000 gives your recipient 141,006.57 XOF.
For paying in NGN, you can use bank transfer.
I suggest funding the NGN side by bank transfer
Use bank transfer to add NGN from your Nigerian account.
NIP moves the money to the specialist within Nigeria, then the specialist handles the cross-border transfer to Togo over internal network.
They can receive XOF using bank deposit.
To receive money as bank deposit (straight to their bank account), enter their bank and account details in Togo.
- 1 Bank transfer Bank deposit
You pay ₦360,000.00
CFA141,007
Cheapest
Things to know before sending NGN to Ghana
Sending money out of Nigeria is an access-to-FX problem first. The cheapest quote only matters if the company can legally accept NGN from a Nigerian resident.
Compare the available NGN/GHS options
Compare the available NGN/GHS options
There are 3 companies available for a ₦360,000 transfer to Togo, so the shortlist is smaller than it is for money coming into Nigeria.
Cheapest way to send money to Togo
The cheapest option is PayPal App (P2P Transfer), funded by bank transfer with bank deposit for the payout. Your recipient gets 141,006.57 XOF, which is 0% more than the next best option.
Fastest way to send money to Togo
The fastest option is PayPal App (P2P Transfer). Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 141,006.57 XOF in minutes.
NIP stops at the Nigerian border
NIP stops at the Nigerian border
NIP can move NGN from your bank to the transfer company within Nigeria, but it does not send the money to Togo.
The company still needs an approved cross-border route for the conversion and payout.
For a bank wire, money already held in a domiciliary account is generally easier to document than foreign currency bought informally and deposited as cash.
Check the CBN licence
Check the CBN licence
Use the CBN's licensed institution records and confirm that the service is authorised for money transfers.
Do not send naira to a personal account or an unknown USDT seller because the quoted rate is better.
If the transfer fails, there may be no real way to recover it.
Check the NGN to XOF exchange rate
The NGN/XOF rate affects the final amount received in Togo, so compare the current quote with its recent range.
Mid-market rate:1 NGN = 0.434141 XOF
How we analyse the market
Only companies licensed to send money out of Nigeria make this table, which rules out most of the apps you'll see advertised.
We track 3 of them on NGN to XOF, comparing rates, fees and how the money is paid in and collected. Each goes through our review first.
Rates here move daily, so ours refresh in real time on live searches. 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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