Best companies for USD/XOF transfers
6 of 6 providers Last updated on 10 November 2026
Based on 7,000 USD transfer Best companies for USD/XOF transfers Sort Cheapest
Promoted Xe Pay via Bank transfer	Fee $0.00 1 USD = 579.6475 XOF +0.79% vs mid-market	Recipient gets F CFA 4,057,532.50 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Benin with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 579.6475 XOF F CFA 4,057,532.50You pay$7,000.00
Promoted Regency FX Pay via Bank transfer	Fee $0.00 1 USD = 582.6506 XOF +0.27% vs mid-market	Recipient gets F CFA 4,078,554.40 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Benin with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 582.6506 XOF F CFA 4,078,554.40You pay$7,000.00
Run a live search Showing top United States to Benin deals for 7,000 USD. 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 USD 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 USD you're planning to spend in Benin.
Run a live search These are managed services with real human support for large USD transfers. Click the link and update the transfer amount to get the best deal.
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee $0.00 1 USD = 582.6506 XOF +0.27% vs mid-market	Recipient gets F CFA 4,078,554.40 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Benin with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 582.6506 XOF F CFA 4,078,554.40You pay$7,000.00
TapTap Send Pay via Debit card	Fee $0.00 1 USD = 580.0000 XOF +0.73% vs mid-market	Recipient gets F CFA 4,060,000.00 Minutes
2 reviews Fastest Receive to bank account
Ways to receive money in Benin with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutesAvailable via:MTN, Moov Free1 USD = 580.0000 XOF F CFA 4,060,000.00You pay$7,000.00
Xe Pay via Bank transfer	Fee $0.00 1 USD = 579.6475 XOF +0.79% vs mid-market	Recipient gets F CFA 4,057,532.50 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Benin with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 579.6475 XOF F CFA 4,057,532.50You pay$7,000.00
Only available via Mobile App WorldRemit Pay via Debit card	Fee $1.99 1 USD = 578.5614 XOF +0.97% vs mid-market	Recipient gets F CFA 4,048,778.46 Minutes - 2 days
13 reviews Receive to bank account or cash pickup
Ways to receive money in Benin with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 2 days $1.991 USD = 578.5614 XOF F CFA 4,048,778.46You pay$7,000.00
Xe Pay via Debit card	Fee $35.00 1 USD = 579.6475 XOF +0.79% vs mid-market	Recipient gets F CFA 4,037,244.84 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Benin with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 579.6475 XOF F CFA 4,037,244.84You pay$7,000.00
$0 fee on first online transfers MoneyGram Pay via Cash deposit	Fee $60.79 1 USD = 576.7171 XOF +1.29% vs mid-market	Recipient gets F CFA 4,037,019.70 Minutes - 24 hours
2 reviews
Ways to receive money in Benin with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 576.7171 XOF F CFA 4,037,019.70You pay$7,060.79
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee $40.50 1 USD = 579.7485 XOF +0.77% vs mid-market	Recipient gets F CFA 4,034,759.00 Same day
10 reviews Our top pick Multi-currency cardReceive to bank account
Ways to receive money in Benin with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame day $40.501 USD = 579.7485 XOF F CFA 4,034,759.00You pay$7,000.00
US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US / for details.
$0 fee on first online transfers MoneyGram Pay via Debit card	Fee $0.99 1 USD = 575.0272 XOF +1.59% vs mid-market	Recipient gets F CFA 4,025,190.40 Minutes - 24 hours
2 reviews
Ways to receive money in Benin with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $0.991 USD = 575.0272 XOF F CFA 4,025,190.40You pay$7,000.99 Bank depositMinutes - 24 hoursAvailable via:All Banks $2.491 USD = 571.7497 XOF F CFA 4,002,247.90You pay$7,002.49 Cash pickupMinutes - 24 hours $14.001 USD = 571.4633 XOF F CFA 4,000,243.10You pay$7,014.00

$0 fee on first online transfers MoneyGram Pay via Bank transfer	Fee $105.00 1 USD = 575.0272 XOF +1.59% vs mid-market	Recipient gets F CFA 4,025,190.40 Minutes - 24 hours
2 reviews
Ways to receive money in Benin with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $105.001 USD = 575.0272 XOF F CFA 4,025,190.40You pay$7,105.00 Bank depositMinutes - 24 hoursAvailable via:All Banks $105.001 USD = 571.7497 XOF F CFA 4,002,247.90You pay$7,105.00 Cash pickupMinutes - 24 hours $105.001 USD = 571.4633 XOF F CFA 4,000,243.10You pay$7,105.00
$0 fee on first online transfers MoneyGram Pay via Credit card	Fee $210.00 1 USD = 575.0272 XOF +1.59% vs mid-market	Recipient gets F CFA 4,025,190.40 Minutes - 24 hours
2 reviews
Ways to receive money in Benin with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $210.001 USD = 575.0272 XOF F CFA 4,025,190.40You pay$7,210.00 Bank depositMinutes - 24 hoursAvailable via:All Banks $177.991 USD = 571.7497 XOF F CFA 4,002,247.90You pay$7,177.99 Cash pickupMinutes - 24 hours $179.991 USD = 571.4633 XOF F CFA 4,000,243.10You pay$7,179.99
Xe Pay via Credit card	Fee $210.00 1 USD = 579.6475 XOF +0.79% vs mid-market	Recipient gets F CFA 3,935,806.53 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Benin with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 579.6475 XOF F CFA 3,935,806.53You pay$7,000.00
How Our Results Work Mid-market rate: 1 USD = 584.2280 XOF Updates every 60 minutes.

Why compare

USD/XOF exchange rate

Best ways to pay & receive

Transfer speed

How to send money from US to Benin

Pick a company

If you're sending a one-off transfer, then Regency FX is the best option.

Regency FX was the cheapest on 18 of the 28 days it quoted $7,000 transfers to Benin.

For recurring transfers, I'd suggest using an app like TapTap Send or a multi-currency account.

For large transfers, a broker like Regency FX is the best option.

If your recipient needs cash, MoneyGram is the cheapest.

How much you send will affect the best option for you right now.

Pay for it

You have 4 ways to pay for your transfer to Benin, including bank transfer, debit card, credit card, and cash deposit.

Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a few days).

You can use a debit card, Apple Pay and Google Pay for quicker deposit but it's a bit more expensive.

I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).

Check and send

First time round you'll need to confirm who you are.

An SSN isn't required, an ITIN or a foreign passport works with most companies here.

Compare amounts

How much USD are you sending to Benin?

How much USD you send to Benin 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 Regency FX was the cheapest in 65% of the transfers from $5,000 it quoted, and in 65% of all the transfers it quoted.


$500	-0.70%	$0.00	F CFA 294,135.00with debit card to bank deposit	+F CFA 10,128.84
$2,000	0.72%	$0.00	F CFA 1,160,000.00with debit card to mobile money	+F CFA 17,128.65
$5,000	0.72%	$0.00	F CFA 2,900,000.00with debit card to mobile money	+F CFA 32,985.19
$7,000This page	0.27%	$0.00	F CFA 4,078,554.40with bank transfer to bank deposit	+F CFA 45,348.34
$10,000	0.27%	$0.00	F CFA 5,821,732.12with bank transfer to bank deposit	+F CFA 61,161.89
$50,000	0.25%	$0.00	F CFA 29,109,584.10with bank transfer to bank deposit	+F CFA 318,635.00
$100,000	0.20%	$0.00	F CFA 58,247,694.95with bank transfer to bank deposit	+F CFA 663,497.78
$250,000	0.20%	$0.00	F CFA 145,746,872.10with bank transfer to bank deposit	+F CFA 1,901,249.95

Mid-market rate: 1 USD = 584.2280 XOF

USD/XOF Exchange Rate History

Is today a good time to send money from US to Benin?

The cheapest way to send USD 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 Regency FX), across 30 days of comparisons for 7,000 USD transfers to Benin.

Each line shows what the recipient gets when you send $7,000, after fees, as quoted by each company. The mid-market line shows what $7,000 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.

Understanding USD/XOF exchange rate

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 USD than the mid-market rate can offer.

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

In the past month, a money transfer company beat the mid-market rate on 9 of the last 30 days.

Right now, Regency FX pays 4,078,554.40 XOF on 7,000 USD, which is 11,041.91 XOF less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 4,117,754.13 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 Benin.

We've tracked 239 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

Regency FXAppeared in 140 comparisons
Cheapest in 65% of them
TapTap SendAppeared in 226 comparisons
Cheapest in 46% of them
XeAppeared in 198 comparisons
Cheapest in 9% of them

Based on 239 comparisons across 8 amounts over the last 30 days.

Is the cheapest money transfer company always the best?

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 analyze companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Regency FX is the cheapest and gets you the most XOF, and it was also the cheapest in 65% of the 140 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Benin.

TapTap Send (today's second cheapest) was the cheapest in only 46% of its comparisons, so it's rarely the cheapest option for transfers to Benin.

Ways to send money from the US to Benin

There are 6 companies available for sending money from the US to Benin, across app, currency broker, online, in person, multi-currency account, and global business account, and more.

For regular transfers home

Money transfer apps

If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.

TapTap Send charges $0 on a $7,000 transfer with 0.73% markup, saves your recipient's details for next time, and XOF arrives in minutes.

Over the past month, TapTap Send was the cheapest app on 69% of the days it appeared for $7,000 transfers.

Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.

Sending without a US bank account

Cash & in-person transfers

Paying in cash at an agent can work without a US bank account.

The ID accepted depends on the company and the amount, so check before visiting if you do not have an SSN.

Hand $7,000 to a MoneyGram agent in the US, and your recipient will get 4,037,019.70 XOF in minutes - 24 hours.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

However, transfers funded with cash or a money order carry a 1% federal tax since January 1, 2026. To avoid it, fund with a debit card or bank account instead (most agents take both).

For one-off transfers

Online transfers

For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Benin.

Of all online companies listed here, Xe gets you the most XOF per USD.

On a $7,000 transfer, you will get 4,057,532.50 XOF after a $0 fee and 0.79% markup.

In our comparisons over the past month, it was the cheapest online service on 25 of the 29 days it quoted.

But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.

For transfers over $10,000

Currency brokers

For large transfers to Benin (e.g. a property purchase, tuition, or moving to Benin), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/XOF that gets lower the more you send.

Our analysis shows Regency FX was the cheapest broker in 96% of the transfers from $5,000 it quoted.

Business payments from the US

Global accounts

Global accounts are for US businesses paying people abroad.

Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.

Holding & spending currencies

Multi-currency accounts

A multi-currency account like Revolut is the best for holding and receiving XOF.

This is useful for traveling to Benin, building up XOF balance, or receiving payments in XOF.

Revolut converts $7,000 at 0.77% markup plus small fee and holds the XOF until you spend it.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

Ways to fund USD and receive XOF in Benin

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 4,078,554.40 XOF.

Deposit USD by bank transfer, debit card, credit card, and cash deposit.

The simplest way is to pay from your US checking account

Pay by bank transfer using your routing and account numbers.

An ACH payment is usually cheaper than a card, but it may take some time for it to clear before a money transfer company can send the money to Benin.

You can deposit cash

You'll need to visit the nearest MoneyGram branch and hand over $7,000.

MoneyGram is the cheapest option and will get you 4,037,019.70 XOF on a $7,000 transfer after fees.

Transfers funded with physical cash are subject to the 1% US remittance transfer tax, but funding from a US bank account or with a US-issued debit or credit card is exempt.

Zelle and Cash App only send money within the US, so neither can send money to Benin.

Venmo now sends money internationally to PayPal users in 90+ countries.

Your recipient in Benin can collect XOF through bank deposit, mobile money, mobile wallet, and cash pickup.

They can collect cash in Benin

Your recipient can collect XOF from a participating MoneyGram location in Benin.

They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.

1

Bank transfer Bank deposit

You pay $7,000.00

CFA4,078,554

Cheapest
2

Debit card Mobile money

You pay $7,000.00

CFA4,060,000

-CFA18,554
3

Debit card Bank deposit

You pay $7,000.00

CFA4,037,245

-CFA41,310
4

Cash deposit Cash pickup

You pay $7,060.79

CFA4,037,020

-CFA41,535
5

Bank transfer Mobile wallet

You pay $7,105.00

CFA4,025,190

-CFA53,364

Show moreShow less

6

Debit card Mobile wallet

You pay $7,000.99

CFA4,025,190

-CFA53,364
7

Credit card Mobile wallet

You pay $7,210.00

CFA4,025,190

-CFA53,364
8

Credit card Bank deposit

You pay $7,177.99

CFA4,002,248

-CFA76,307
9

Bank transfer Cash pickup

You pay $7,105.00

CFA4,000,243

-CFA78,311
10

Debit card Cash pickup

You pay $7,014.00

CFA4,000,243

-CFA78,311
11

Credit card Cash pickup

You pay $7,179.99

CFA4,000,243

-CFA78,311

Things to consider before sending USD to Benin

The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.

Find the right USD/XOF company

Cheapest way to send money to Benin

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 4,078,554.40 XOF, which is 0.45% more than the next best option.

Fastest way to send money to Benin

The fastest option is TapTap Send. Pay by debit card and choose mobile money for the payout. Your recipient gets 4,060,000 XOF, with the money arriving in minutes.

Cash-funded transfers now carry a 1% tax

Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.

Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.

The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.

The $10,000 rule is not a transfer limit

There is no federal cap on how much of your own money you can send electronically abroad.

Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.

Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.

Do not split cash transactions to avoid a report.

You normally have 30 minutes to cancel

The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.

You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.

You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.

Contact the company first and keep the receipt.

The CFPB explains the cancellation and error process.

Need to send a large amount of USD to Benin?

For transfers over $10,000, Regency FX is the best option.

It offers the best exchange rate, which is more important than the fee for large transfers to Benin.

While Regency FX may not always be the cheapest or fastest way to send XOF, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.

How we analyze the market

We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Benin and the United States. 

We work with leading money transfer companies to provide real time fees and exchange rates. In the past 30 days alone, we analyzed 239 comparisons across 8 amounts.

This page covers the cheapest and fastest options for USD/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.

For a deeper understanding of our commitment to integrity and transparency, check out these articles:

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

Related transfer routes

Send money to Benin

Send money from Nigeria to Benin Send money from South Africa to Benin

Recommendations

Fastest way to send money

Cheapest way to send money

Money transfer companies

Multi-currency accounts

Global business payments

Tools & resources

SWIFT code calculator

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	585.2776	–	F CFA 4,096,943.14
Regency FX Cheapest	583.6973	$0.00	F CFA 4,085,881.40	−F CFA 11,061.74
TapTap Send	580.0000	$0.00	F CFA 4,060,000.00	−F CFA 36,943.14
Xe	578.0617	$0.00	F CFA 4,046,431.90	−F CFA 50,511.24

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	586.1109	–	F CFA 4,102,776.51
Regency FX Cheapest	584.5284	$0.00	F CFA 4,091,699.01	−F CFA 11,077.50
TapTap Send	580.0000	$0.00	F CFA 4,060,000.00	−F CFA 42,776.51
Xe	578.0617	$0.00	F CFA 4,046,431.90	−F CFA 56,344.61

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	585.5051	–	F CFA 4,098,535.97
Regency FX Cheapest	583.9243	$0.00	F CFA 4,087,469.93	−F CFA 11,066.04
TapTap Send	582.5000	$0.00	F CFA 4,077,500.00	−F CFA 21,035.97
Xe	578.0617	$0.00	F CFA 4,046,431.90	−F CFA 52,104.07

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	584.9038	–	F CFA 4,094,326.76
Regency FX Cheapest	583.3246	$0.00	F CFA 4,083,272.08	−F CFA 11,054.68
TapTap Send	582.5000	$0.00	F CFA 4,077,500.00	−F CFA 16,826.76
Xe	580.1730	$0.00	F CFA 4,061,211.00	−F CFA 33,115.76

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	583.5388	–	F CFA 4,084,771.46
Regency FX Cheapest	581.9632	$0.00	F CFA 4,073,742.58	−F CFA 11,028.88
Xe	580.1730	$0.00	F CFA 4,061,211.00	−F CFA 23,560.46
TapTap Send	580.0000	$0.00	F CFA 4,060,000.00	−F CFA 24,771.46

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	583.7388	–	F CFA 4,086,171.78
Regency FX Cheapest	582.1627	$0.00	F CFA 4,075,139.11	−F CFA 11,032.67
Xe	580.6381	$0.00	F CFA 4,064,466.70	−F CFA 21,705.07
TapTap Send	580.0000	$0.00	F CFA 4,060,000.00	−F CFA 26,171.77

Sun, Oct 18, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Xe Cheapest	580.6381	$0.00	F CFA 4,064,466.70	–
TapTap Send	580.0000	$0.00	F CFA 4,060,000.00	–
Regency FX No quote collected this day	–	–	–	–

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	585.2187	–	F CFA 4,096,530.93
Regency FX Cheapest	583.6386	$0.00	F CFA 4,085,470.29	−F CFA 11,060.64
Xe	580.9488	$0.00	F CFA 4,066,641.60	−F CFA 29,889.33
TapTap Send	580.0000	$0.00	F CFA 4,060,000.00	−F CFA 36,530.93

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	583.9523	–	F CFA 4,087,666.16
Regency FX Cheapest	582.3756	$0.00	F CFA 4,076,629.46	−F CFA 11,036.70
Xe	580.9488	$0.00	F CFA 4,066,641.60	−F CFA 21,024.56
TapTap Send	575.0000	$0.00	F CFA 4,025,000.00	−F CFA 62,666.16

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	584.3242	–	F CFA 4,090,269.60
Regency FX Cheapest	582.7466	$0.00	F CFA 4,079,225.88	−F CFA 11,043.72
Xe	579.9144	$0.00	F CFA 4,059,400.80	−F CFA 30,868.80
TapTap Send	575.0000	$0.00	F CFA 4,025,000.00	−F CFA 65,269.60

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	583.6726	–	F CFA 4,085,708.24
Regency FX Cheapest	582.0967	$0.00	F CFA 4,074,676.83	−F CFA 11,031.41
Xe	579.9144	$0.00	F CFA 4,059,400.80	−F CFA 26,307.44
TapTap Send	575.0000	$0.00	F CFA 4,025,000.00	−F CFA 60,708.24

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	585.6778	–	F CFA 4,099,744.79
Regency FX Cheapest	584.0965	$0.00	F CFA 4,088,675.48	−F CFA 11,069.31
Xe	579.9144	$0.00	F CFA 4,059,400.80	−F CFA 40,343.99
TapTap Send	575.0000	$0.00	F CFA 4,025,000.00	−F CFA 74,744.79

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	585.5534	–	F CFA 4,098,873.86
TapTap Send Cheapest	587.0000	$0.00	F CFA 4,109,000.00	+F CFA 10,126.14
Regency FX	583.9724	$0.00	F CFA 4,087,806.90	−F CFA 11,066.96
Xe	581.1038	$0.00	F CFA 4,067,726.60	−F CFA 31,147.26

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	585.4419	–	F CFA 4,098,092.98
TapTap Send Cheapest	587.0000	$0.00	F CFA 4,109,000.00	+F CFA 10,907.02
Regency FX	583.8612	$0.00	F CFA 4,087,028.13	−F CFA 11,064.85
Xe	578.4213	$0.00	F CFA 4,048,949.10	−F CFA 49,143.88

Tue, Oct 27, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	587.8753	–	F CFA 4,115,126.86
TapTap Send Cheapest	587.0000	$0.00	F CFA 4,109,000.00	−F CFA 6,126.85
Regency FX	586.2880	$0.00	F CFA 4,104,016.01	−F CFA 11,110.85
Xe	578.4213	$0.00	F CFA 4,048,949.10	−F CFA 66,177.75

Wed, Oct 28, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	589.8432	–	F CFA 4,128,902.17
Regency FX Cheapest	588.2506	$0.00	F CFA 4,117,754.13	−F CFA 11,148.04
TapTap Send	587.0000	$0.00	F CFA 4,109,000.00	−F CFA 19,902.17
Xe	578.4213	$0.00	F CFA 4,048,949.10	−F CFA 79,953.07

Thu, Oct 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	588.8658	–	F CFA 4,122,060.81
Regency FX Cheapest	587.2759	$0.00	F CFA 4,110,931.25	−F CFA 11,129.56
TapTap Send	587.0000	$0.00	F CFA 4,109,000.00	−F CFA 13,060.81
Xe	578.6779	$0.00	F CFA 4,050,745.30	−F CFA 71,315.51

Fri, Oct 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	586.7338	–	F CFA 4,107,136.63
TapTap Send Cheapest	587.0000	$0.00	F CFA 4,109,000.00	+F CFA 1,863.37
Regency FX	585.1496	$0.00	F CFA 4,096,047.36	−F CFA 11,089.27
Xe	578.6779	$0.00	F CFA 4,050,745.30	−F CFA 56,391.33

Sat, Oct 31, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	585.3787	–	F CFA 4,097,651.03
TapTap Send Cheapest	587.0000	$0.00	F CFA 4,109,000.00	+F CFA 11,348.97
Regency FX	583.7982	$0.00	F CFA 4,086,587.37	−F CFA 11,063.66
Xe	578.6779	$0.00	F CFA 4,050,745.30	−F CFA 46,905.73

Mon, Nov 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	586.3403	–	F CFA 4,104,381.76
TapTap Send Cheapest	587.0000	$0.00	F CFA 4,109,000.00	+F CFA 4,618.24
Regency FX	584.7571	$0.00	F CFA 4,093,299.93	−F CFA 11,081.83
Xe	582.5591	$0.00	F CFA 4,077,913.70	−F CFA 26,468.06

Tue, Nov 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	585.4678	–	F CFA 4,098,274.94
TapTap Send Cheapest	587.0000	$0.00	F CFA 4,109,000.00	+F CFA 10,725.06
Regency FX	583.8871	$0.00	F CFA 4,087,209.59	−F CFA 11,065.35
Xe	583.1137	$0.00	F CFA 4,081,795.90	−F CFA 16,479.04

Wed, Nov 4, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	584.3907	–	F CFA 4,090,734.59
TapTap Send Cheapest	587.0000	$0.00	F CFA 4,109,000.00	+F CFA 18,265.41
Xe	583.1137	$0.00	F CFA 4,081,795.90	−F CFA 8,938.69
Regency FX	582.8128	$0.00	F CFA 4,079,689.60	−F CFA 11,044.99

Thu, Nov 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	582.4634	–	F CFA 4,077,243.79
TapTap Send Cheapest	587.0000	$0.00	F CFA 4,109,000.00	+F CFA 31,756.21
Xe	583.1137	$0.00	F CFA 4,081,795.90	+F CFA 4,552.11
Regency FX	580.8907	$0.00	F CFA 4,066,235.23	−F CFA 11,008.56

Fri, Nov 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	586.5895	–	F CFA 4,106,126.37
Regency FX Cheapest	585.0057	$0.00	F CFA 4,095,039.83	−F CFA 11,086.54
TapTap Send	585.0000	$0.00	F CFA 4,095,000.00	−F CFA 11,126.37
Xe	583.1137	$0.00	F CFA 4,081,795.90	−F CFA 24,330.47

Sat, Nov 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	588.2649	–	F CFA 4,117,854.50
Regency FX Cheapest	586.6766	$0.00	F CFA 4,106,736.30	−F CFA 11,118.20
TapTap Send	585.0000	$0.00	F CFA 4,095,000.00	−F CFA 22,854.50
Xe	581.7594	$0.00	F CFA 4,072,315.80	−F CFA 45,538.70

How to send money to Benin from the US with the best USD-XOF rate

Best companies for USD/XOF transfers

Pick a company

Pay for it

Check and send

Understanding USD/XOF exchange rate

Is the cheapest money transfer company always the best?

Money transfer apps

Cash & in-person transfers

Online transfers

Currency brokers

Global accounts

Multi-currency accounts

Find the right USD/XOF company

Cash-funded transfers now carry a 1% tax

The $10,000 rule is not a transfer limit

You normally have 30 minutes to cancel

Need to send a large amount of USD to Benin?

Send money to Benin

Recommendations

Tools & resources

Mon, Nov 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	587.3446	–	F CFA 4,111,412.38
Regency FX Cheapest	585.7588	$0.00	F CFA 4,100,311.57	−F CFA 11,100.81
TapTap Send No quote collected this day	–	–	–	–
Xe No quote collected this day	–	–	–	–

Tue, Nov 10, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	584.2280	–	F CFA 4,089,596.31
Regency FX Cheapest	582.6506	$0.00	F CFA 4,078,554.40	−F CFA 11,041.91
TapTap Send	580.0000	$0.00	F CFA 4,060,000.00	−F CFA 29,596.31
Xe	579.6475	$0.00	F CFA 4,057,532.50	−F CFA 32,063.81