MoneyTransfers

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 out of the 3 options available. It will get you 140,957.84 XOF from a 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.

Best companies for NGN/XOF transfers

3 of 3 providers

Last updated on 10 November 2026

Based on 360,000 NGN transfer

Best companies for NGN/XOF transfers

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Showing top Nigeria to Togo deals for 360,000 NGN. Do a live search with your exact amount for today's best rates.
Send Money Between PayPal Accounts

PayPal App (P2P Transfer)

Pay via Bank transfer
Fee ₦14,400.00 1 NGN = 0.4079 XOF +6.00% vs mid-market Recipient gets F CFA 140,957.84 Minutes
0 reviews
Fastest

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 = 0.4079 XOF
F CFA 140,957.84You pay₦360,000.00
Send cash via a MoneyGram agent

MoneyGram Agent

Pay via Bank transfer
Fee ₦14,400.00 1 NGN = 0.4079 XOF +6.00% vs mid-market Recipient gets F CFA 140,957.84 Minutes - 3 days
0 reviews
Cheapest

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 = 0.4079 XOF
F CFA 140,957.84You pay₦360,000.00
Send cash via a Western Union agent

Western Union Agent

Pay via Bank transfer
Fee ₦10,800.00 1 NGN = 0.4035 XOF +7.00% vs mid-market Recipient gets F CFA 140,910.98 Minutes - 5 days
0 reviews
Our top pick

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 = 0.4035 XOF
F CFA 140,910.98You pay₦360,000.00
How Our Results Work
Mid-market rate: 1 NGN = 0.4339 XOF Updates every 60 minutes.

How to send money from Nigeria to Togo

Pick a company

Start with the best service, which is PayPal App (P2P Transfer) at 140,957.84 XOF for a ₦360,000 transfer.

PayPal App (P2P Transfer) was the cheapest on 30 of the 30 days it quoted ₦360,000 transfers to Togo.

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.

Compare amounts

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.

Our analysis shows PayPal App (P2P Transfer) was the cheapest in 75% of all the transfers it quoted over the past month.

Cheapest service
₦100,00010.00%₦3,000.00F CFA 37,879.73with bank transfer to bank deposit+F CFA 260.34
₦250,0006.00%₦10,000.00F CFA 97,854.45with bank transfer to bank deposit+F CFA 10.84
₦300,0006.00%₦12,000.00F CFA 117,457.02with bank transfer to bank deposit+F CFA 13.02
₦360,000This page6.00%₦14,400.00F CFA 140,957.84with bank transfer to bank deposit+F CFA 15.62

Mid-market rate: 1 NGN = 0.4339 XOF

NGN/XOF Exchange Rate History

Is today a good time to send money from Nigeria to Togo?

The cheapest way to send NGN to XOF can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's PayPal App (P2P Transfer)), across 30 days of comparisons for 360,000 NGN transfers to Togo.

XOF received for ₦360,000, after fees

Tue, 10 Nov 2026Mid-market rateF CFA 156,203.28 PayPal App (P2P Transfer) F CFA 140,957.84PayPal App (P2P Transfer)F CFA 140,957.84MoneyGram AgentF CFA 140,957.84Western Union AgentF CFA 140,910.98

135,000
140,000
145,000
150,000
155,000
160,000
At the mid-market rateWith the cheapest optionPayPal App (P2P Transfer)MoneyGram AgentWestern Union Agent
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4400 – F CFA 158,384.52
PayPal App (P2P Transfer) Cheapest 0.4136 ₦14,400.00 F CFA 142,926.19 −F CFA 15,458.33
MoneyGram Agent 0.4136 ₦14,400.00 F CFA 142,926.19 −F CFA 15,458.33
Western Union Agent 0.4092 ₦10,800.00 F CFA 142,878.68 −F CFA 15,505.84
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4410 – F CFA 158,751.36
PayPal App (P2P Transfer) Cheapest 0.4145 ₦14,400.00 F CFA 143,257.23 −F CFA 15,494.13
MoneyGram Agent 0.4145 ₦14,400.00 F CFA 143,257.23 −F CFA 15,494.13
Western Union Agent 0.4101 ₦10,800.00 F CFA 143,209.60 −F CFA 15,541.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4403 – F CFA 158,494.68
PayPal App (P2P Transfer) Cheapest 0.4138 ₦14,400.00 F CFA 143,025.60 −F CFA 15,469.08
MoneyGram Agent 0.4138 ₦14,400.00 F CFA 143,025.60 −F CFA 15,469.08
Western Union Agent 0.4094 ₦10,800.00 F CFA 142,978.05 −F CFA 15,516.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4400 – F CFA 158,414.40
PayPal App (P2P Transfer) Cheapest 0.4136 ₦14,400.00 F CFA 142,953.15 −F CFA 15,461.25
MoneyGram Agent 0.4136 ₦14,400.00 F CFA 142,953.15 −F CFA 15,461.25
Western Union Agent 0.4092 ₦10,800.00 F CFA 142,905.63 −F CFA 15,508.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4387 – F CFA 157,917.60
PayPal App (P2P Transfer) Cheapest 0.4123 ₦14,400.00 F CFA 142,504.84 −F CFA 15,412.76
MoneyGram Agent 0.4123 ₦14,400.00 F CFA 142,504.84 −F CFA 15,412.76
Western Union Agent 0.4080 ₦10,800.00 F CFA 142,457.47 −F CFA 15,460.13
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4385 – F CFA 157,860.72
PayPal App (P2P Transfer) Cheapest 0.4122 ₦14,400.00 F CFA 142,453.51 −F CFA 15,407.21
MoneyGram Agent 0.4122 ₦14,400.00 F CFA 142,453.51 −F CFA 15,407.21
Western Union Agent 0.4078 ₦10,800.00 F CFA 142,406.16 −F CFA 15,454.56
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4385 – F CFA 157,860.72
PayPal App (P2P Transfer) Cheapest 0.4122 ₦14,400.00 F CFA 142,453.51 −F CFA 15,407.21
MoneyGram Agent 0.4122 ₦14,400.00 F CFA 142,453.51 −F CFA 15,407.21
Western Union Agent 0.4078 ₦10,800.00 F CFA 142,406.16 −F CFA 15,454.56
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4383 – F CFA 157,799.52
PayPal App (P2P Transfer) Cheapest 0.4120 ₦14,400.00 F CFA 142,398.29 −F CFA 15,401.23
MoneyGram Agent 0.4120 ₦14,400.00 F CFA 142,398.29 −F CFA 15,401.23
Western Union Agent 0.4076 ₦10,800.00 F CFA 142,350.95 −F CFA 15,448.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4404 – F CFA 158,534.64
PayPal App (P2P Transfer) Cheapest 0.4140 ₦14,400.00 F CFA 143,061.66 −F CFA 15,472.98
MoneyGram Agent 0.4140 ₦14,400.00 F CFA 143,061.66 −F CFA 15,472.98
Western Union Agent 0.4095 ₦10,800.00 F CFA 143,014.10 −F CFA 15,520.54
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4392 – F CFA 158,117.40
PayPal App (P2P Transfer) Cheapest 0.4129 ₦14,400.00 F CFA 142,685.14 −F CFA 15,432.26
MoneyGram Agent 0.4129 ₦14,400.00 F CFA 142,685.14 −F CFA 15,432.26
Western Union Agent 0.4085 ₦10,800.00 F CFA 142,637.71 −F CFA 15,479.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4378 – F CFA 157,613.76
PayPal App (P2P Transfer) Cheapest 0.4115 ₦14,400.00 F CFA 142,230.66 −F CFA 15,383.10
MoneyGram Agent 0.4115 ₦14,400.00 F CFA 142,230.66 −F CFA 15,383.10
Western Union Agent 0.4072 ₦10,800.00 F CFA 142,183.37 −F CFA 15,430.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4396 – F CFA 158,261.76
PayPal App (P2P Transfer) Cheapest 0.4132 ₦14,400.00 F CFA 142,815.41 −F CFA 15,446.35
MoneyGram Agent 0.4132 ₦14,400.00 F CFA 142,815.41 −F CFA 15,446.35
Western Union Agent 0.4088 ₦10,800.00 F CFA 142,767.93 −F CFA 15,493.83
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4396 – F CFA 158,250.60
PayPal App (P2P Transfer) Cheapest 0.4132 ₦14,400.00 F CFA 142,805.34 −F CFA 15,445.26
MoneyGram Agent 0.4132 ₦14,400.00 F CFA 142,805.34 −F CFA 15,445.26
Western Union Agent 0.4088 ₦10,800.00 F CFA 142,757.87 −F CFA 15,492.73
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4396 – F CFA 158,250.60
PayPal App (P2P Transfer) Cheapest 0.4132 ₦14,400.00 F CFA 142,805.34 −F CFA 15,445.26
MoneyGram Agent 0.4132 ₦14,400.00 F CFA 142,805.34 −F CFA 15,445.26
Western Union Agent 0.4088 ₦10,800.00 F CFA 142,757.87 −F CFA 15,492.73
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4341 – F CFA 156,289.32
PayPal App (P2P Transfer) Cheapest 0.4081 ₦14,400.00 F CFA 141,035.48 −F CFA 15,253.84
MoneyGram Agent 0.4081 ₦14,400.00 F CFA 141,035.48 −F CFA 15,253.84
Western Union Agent 0.4037 ₦10,800.00 F CFA 140,988.60 −F CFA 15,300.72
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4384 – F CFA 157,807.44
PayPal App (P2P Transfer) Cheapest 0.4121 ₦14,400.00 F CFA 142,405.43 −F CFA 15,402.01
MoneyGram Agent 0.4121 ₦14,400.00 F CFA 142,405.43 −F CFA 15,402.01
Western Union Agent 0.4077 ₦10,800.00 F CFA 142,358.09 −F CFA 15,449.35
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4395 – F CFA 158,223.24
PayPal App (P2P Transfer) Cheapest 0.4131 ₦14,400.00 F CFA 142,780.65 −F CFA 15,442.59
MoneyGram Agent 0.4131 ₦14,400.00 F CFA 142,780.65 −F CFA 15,442.59
Western Union Agent 0.4087 ₦10,800.00 F CFA 142,733.18 −F CFA 15,490.06
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4376 – F CFA 157,522.68
PayPal App (P2P Transfer) Cheapest 0.4113 ₦14,400.00 F CFA 142,148.47 −F CFA 15,374.21
MoneyGram Agent 0.4113 ₦14,400.00 F CFA 142,148.47 −F CFA 15,374.21
Western Union Agent 0.4069 ₦10,800.00 F CFA 142,101.21 −F CFA 15,421.47
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4354 – F CFA 156,742.92
PayPal App (P2P Transfer) Cheapest 0.4093 ₦14,400.00 F CFA 141,444.81 −F CFA 15,298.11
MoneyGram Agent 0.4093 ₦14,400.00 F CFA 141,444.81 −F CFA 15,298.11
Western Union Agent 0.4049 ₦10,800.00 F CFA 141,397.79 −F CFA 15,345.13
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4348 – F CFA 156,510.36
PayPal App (P2P Transfer) Cheapest 0.4087 ₦14,400.00 F CFA 141,234.95 −F CFA 15,275.41
MoneyGram Agent 0.4087 ₦14,400.00 F CFA 141,234.95 −F CFA 15,275.41
Western Union Agent 0.4043 ₦10,800.00 F CFA 141,188.00 −F CFA 15,322.36
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4348 – F CFA 156,510.36
PayPal App (P2P Transfer) Cheapest 0.4087 ₦14,400.00 F CFA 141,234.95 −F CFA 15,275.41
MoneyGram Agent 0.4087 ₦14,400.00 F CFA 141,234.95 −F CFA 15,275.41
Western Union Agent 0.4043 ₦10,800.00 F CFA 141,188.00 −F CFA 15,322.36
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4362 – F CFA 157,019.40
PayPal App (P2P Transfer) Cheapest 0.4100 ₦14,400.00 F CFA 141,694.31 −F CFA 15,325.09
MoneyGram Agent 0.4100 ₦14,400.00 F CFA 141,694.31 −F CFA 15,325.09
Western Union Agent 0.4056 ₦10,800.00 F CFA 141,647.20 −F CFA 15,372.20
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4370 – F CFA 157,329.72
PayPal App (P2P Transfer) Cheapest 0.4108 ₦14,400.00 F CFA 141,974.34 −F CFA 15,355.38
MoneyGram Agent 0.4108 ₦14,400.00 F CFA 141,974.34 −F CFA 15,355.38
Western Union Agent 0.4064 ₦10,800.00 F CFA 141,927.14 −F CFA 15,402.58
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4347 – F CFA 156,500.28
PayPal App (P2P Transfer) Cheapest 0.4086 ₦14,400.00 F CFA 141,225.85 −F CFA 15,274.43
MoneyGram Agent 0.4086 ₦14,400.00 F CFA 141,225.85 −F CFA 15,274.43
Western Union Agent 0.4043 ₦10,800.00 F CFA 141,178.90 −F CFA 15,321.38
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4326 – F CFA 155,727.00
PayPal App (P2P Transfer) Cheapest 0.4066 ₦14,400.00 F CFA 140,528.04 −F CFA 15,198.96
MoneyGram Agent 0.4066 ₦14,400.00 F CFA 140,528.04 −F CFA 15,198.96
Western Union Agent 0.4023 ₦10,800.00 F CFA 140,481.33 −F CFA 15,245.67
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4357 – F CFA 156,856.68
PayPal App (P2P Transfer) Cheapest 0.4096 ₦14,400.00 F CFA 141,547.47 −F CFA 15,309.21
MoneyGram Agent 0.4096 ₦14,400.00 F CFA 141,547.47 −F CFA 15,309.21
Western Union Agent 0.4052 ₦10,800.00 F CFA 141,500.41 −F CFA 15,356.27
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4367 – F CFA 157,195.44
PayPal App (P2P Transfer) Cheapest 0.4105 ₦14,400.00 F CFA 141,853.17 −F CFA 15,342.27
MoneyGram Agent 0.4105 ₦14,400.00 F CFA 141,853.17 −F CFA 15,342.27
Western Union Agent 0.4061 ₦10,800.00 F CFA 141,806.01 −F CFA 15,389.43
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4367 – F CFA 157,195.44
PayPal App (P2P Transfer) Cheapest 0.4105 ₦14,400.00 F CFA 141,853.17 −F CFA 15,342.27
MoneyGram Agent 0.4105 ₦14,400.00 F CFA 141,853.17 −F CFA 15,342.27
Western Union Agent 0.4061 ₦10,800.00 F CFA 141,806.01 −F CFA 15,389.43
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4355 – F CFA 156,763.08
PayPal App (P2P Transfer) Cheapest 0.4093 ₦14,400.00 F CFA 141,463.00 −F CFA 15,300.08
MoneyGram Agent 0.4093 ₦14,400.00 F CFA 141,463.00 −F CFA 15,300.08
Western Union Agent 0.4050 ₦10,800.00 F CFA 141,415.97 −F CFA 15,347.11
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4339 – F CFA 156,203.28
PayPal App (P2P Transfer) Cheapest 0.4079 ₦14,400.00 F CFA 140,957.84 −F CFA 15,245.44
MoneyGram Agent 0.4079 ₦14,400.00 F CFA 140,957.84 −F CFA 15,245.44
Western Union Agent 0.4035 ₦10,800.00 F CFA 140,910.98 −F CFA 15,292.30

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send ₦360,000, after fees, as quoted by each company. The mid-market line shows what ₦360,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more XOF per NGN than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of XOF on every transfer from Nigeria.

Right now, PayPal App (P2P Transfer) pays 140,957.84 XOF on 360,000 NGN, which is 15,245.44 XOF less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 143,257.23 XOF.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Togo.

We've tracked 235 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

  1. PayPal App (P2P Transfer)Appeared in 115 comparisons

    Cheapest in 75% of them

  2. MoneyGram AgentAppeared in 115 comparisons

    Never the cheapest

  3. Western Union AgentAppeared in 115 comparisons

    Cheapest in 25% of them

Based on 235 comparisons across 8 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today PayPal App (P2P Transfer) is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

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 140,957.84 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. 1
    Bank transfer Bank deposit

    You pay ₦360,000.00

    CFA140,958

    Cheapest

Things to know before sending NGN to Togo

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/XOF 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 140,957.84 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 140,957.84 XOF in minutes.

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

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.

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.

In the past 30 days alone, we analysed 235 comparisons across 8 amounts.

This page covers the cheapest and fastest options for NGN/XOF transfers. This is how we pick them:

  • Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.

  • Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

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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