Compare the best ways to send money from United States to Senegal

We compared 6 companies sending money from the United States to Senegal. TapTap Send is the best and cheapest, while TapTap Send is the fastest.

Sending $7,000 with TapTap Send gets your recipient 4,131,400 XOF at 590.2000 XOF per USD.

Best companies for USD/XOF transfers

6 of 6 providers

Last updated on 28 October 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 = 578.4213 XOF +1.96% vs mid-market Recipient gets F CFA 4,048,949.10 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Senegal with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 578.4213 XOF
F CFA 4,048,949.10You pay$7,000.00
Promoted

Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 588.3061 XOF +0.27% vs mid-market Recipient gets F CFA 4,118,142.66 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Senegal with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 588.3061 XOF
F CFA 4,118,142.66You pay$7,000.00

Run a live search

Showing top United States to Senegal deals for 7,000 USD. Do a live search with your exact amount for today's best rates.

TapTap Send

Pay via Debit card
Fee $0.00 1 USD = 590.2000 XOF -0.05% vs mid-market Recipient gets F CFA 4,131,400.00 Minutes
CheapestFastest
Receive to bank account

Ways to receive money in Senegal with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Cash pickupMinutesAvailable via:Wari
Free1 USD = 590.2000 XOF
F CFA 4,131,400.00You pay$7,000.00
Mobile walletMinutesAvailable via:Mixx by Yas/Free Money, Wave, Wizall / Proximo
Free1 USD = 590.2000 XOF
F CFA 4,131,400.00You pay$7,000.00
Mobile moneyMinutesAvailable via:Orange
Free1 USD = 590.2000 XOF
F CFA 4,131,400.00You pay$7,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 588.3061 XOF +0.27% vs mid-market Recipient gets F CFA 4,118,142.66 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Senegal with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 588.3061 XOF
F CFA 4,118,142.66You pay$7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee $1.99 1 USD = 586.4196 XOF +0.59% vs mid-market Recipient gets F CFA 4,104,937.20 Minutes - 24 hours

Ways to receive money in Senegal with MoneyGram when paying by bank transfer.

MethodFee & ratesRecipient gets
Mobile moneyMinutes - 24 hoursAvailable via:Orange
$1.991 USD = 586.4196 XOF
F CFA 4,104,937.20You pay$7,001.99
Mobile walletMinutes - 24 hoursAvailable via:Wave,Mixx
$1.991 USD = 586.4196 XOF
F CFA 4,104,937.20You pay$7,001.99
Bank depositMinutes - 24 hoursAvailable via:All Banks
$1.991 USD = 579.9700 XOF
F CFA 4,059,790.00You pay$7,001.99
Cash pickupMinutes - 24 hours
$3.991 USD = 576.4297 XOF
F CFA 4,035,007.90You pay$7,003.99
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee $0.99 1 USD = 585.2404 XOF +0.79% vs mid-market Recipient gets F CFA 4,096,682.80 Minutes - 24 hours

Ways to receive money in Senegal with MoneyGram when paying by debit card.

MethodFee & ratesRecipient gets
Mobile walletMinutes - 24 hoursAvailable via:Wave,Mixx
$0.991 USD = 585.2404 XOF
F CFA 4,096,682.80You pay$7,000.99
Mobile moneyMinutes - 24 hoursAvailable via:Orange
$0.991 USD = 585.2404 XOF
F CFA 4,096,682.80You pay$7,000.99
Bank depositMinutes - 24 hoursAvailable via:All Banks
$1.991 USD = 579.3301 XOF
F CFA 4,055,310.70You pay$7,001.99
Cash pickupMinutes - 24 hours
$14.991 USD = 576.4227 XOF
F CFA 4,034,958.90You pay$7,014.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee $210.00 1 USD = 585.2404 XOF +0.79% vs mid-market Recipient gets F CFA 4,096,682.80 Minutes - 24 hours

Ways to receive money in Senegal with MoneyGram when paying by credit card.

MethodFee & ratesRecipient gets
Mobile walletMinutes - 24 hoursAvailable via:Wave,Mixx
$210.001 USD = 585.2404 XOF
F CFA 4,096,682.80You pay$7,210.00
Mobile moneyMinutes - 24 hoursAvailable via:Orange
$210.001 USD = 585.2404 XOF
F CFA 4,096,682.80You pay$7,210.00
Bank depositMinutes - 24 hoursAvailable via:All Banks
$177.991 USD = 579.3301 XOF
F CFA 4,055,310.70You pay$7,177.99
Cash pickupMinutes - 24 hours
$179.991 USD = 576.4227 XOF
F CFA 4,034,958.90You pay$7,179.99
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee $40.50 1 USD = 585.2055 XOF +0.80% vs mid-market Recipient gets F CFA 4,072,737.00 Same day
Recommended
Multi-currency cardReceive to bank account

Ways to receive money in Senegal with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame day
$40.501 USD = 585.2055 XOF
F CFA 4,072,737.00You 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.

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 578.4213 XOF +1.96% vs mid-market Recipient gets F CFA 4,048,949.10 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Senegal with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 578.4213 XOF
F CFA 4,048,949.10You pay$7,000.00

Xe

Pay via Debit card
Fee $35.00 1 USD = 578.4213 XOF +1.96% vs mid-market Recipient gets F CFA 4,028,704.35 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Senegal with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$35.001 USD = 578.4213 XOF
F CFA 4,028,704.35You pay$7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Cash deposit
Fee $60.79 1 USD = 571.4827 XOF +3.17% vs mid-market Recipient gets F CFA 4,000,378.90 Minutes - 24 hours

Ways to receive money in Senegal with MoneyGram when paying by cash deposit.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 24 hours
$60.791 USD = 571.4827 XOF
F CFA 4,000,378.90You pay$7,060.79
Only available via Mobile App

WorldRemit

Pay via Debit card
Fee $0.00 1 USD = 567.8163 XOF +3.81% vs mid-market Recipient gets F CFA 3,974,714.24 Minutes - 2 days
Receive to bank account or cash pickup

Ways to receive money in Senegal with WorldRemit when paying by debit card.

MethodFee & ratesRecipient gets
Mobile moneyMinutes - 2 days
Free1 USD = 567.8163 XOF
F CFA 3,974,714.24You pay$7,000.00
Cash pickupMinutes - 2 days
$2.991 USD = 563.5674 XOF
F CFA 3,943,287.01You pay$7,000.00

Xe

Pay via Credit card
Fee $210.00 1 USD = 578.4213 XOF +1.96% vs mid-market Recipient gets F CFA 3,927,480.63 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Senegal with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
$210.001 USD = 578.4213 XOF
F CFA 3,927,480.63You pay$7,000.00
How Our Results Work
Mid-market rate: 1 USD = 589.8988 XOF Updates every 60 minutes.

How to send money from US to Senegal

Pick a company

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

TapTap Send was the cheapest on 9 of the 30 days it quoted $7,000 transfers to Senegal.

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

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 Senegal, 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 day or two).

You can use a debit card, Apple Pay and Google Pay for quicker deposit but its 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 Senegal?

How much USD 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.

Our analysis shows TapTap Send was the cheapest in 39% of the transfers from $5,000 it quoted, and in 32% of all the transfers it quoted.

Cheapest service
$500-1.74%$0.00F CFA 300,100.00with debit card to bank deposit+F CFA 14,322.78
$2,000-0.03%$0.00F CFA 1,180,400.00with debit card to cash pickup+F CFA 33,253.78
$5,000-0.06%$0.00F CFA 2,951,000.00with debit card to cash pickup+F CFA 51,512.74
$7,000This page-0.05%$0.00F CFA 4,131,400.00with debit card to cash pickup+F CFA 76,780.94
$10,000-0.12%$0.00F CFA 5,902,000.00with debit card to cash pickup+F CFA 116,547.61
$50,000-0.11%$0.00F CFA 29,510,000.00with debit card to cash pickup+F CFA 495,189.27
$100,000-0.11%$0.00F CFA 59,020,000.00with debit card to cash pickup+F CFA 987,173.29
$250,000-0.04%$0.00F CFA 147,550,000.00with debit card to cash pickup+F CFA 2,066,888.95

Mid-market rate: 1 USD = 589.8988 XOF

USD/XOF Exchange Rate History

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

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 TapTap Send), across 30 days of comparisons for 7,000 USD transfers to Senegal.

XOF received for $7,000, after fees

Wed, Oct 28, 2026Mid-market rateF CFA 4,129,291.75 TapTap Send F CFA 4,131,400.00TapTap SendF CFA 4,131,400.00Regency FXF CFA 4,118,142.66MoneyGramF CFA 4,104,937.20

3.95M
4.00M
4.05M
4.10M
4.15M
At the mid-market rateWith the cheapest optionTapTap SendRegency FXMoneyGram
Exchange rateFeeRecipient getsDifference
Mid-market rate 577.3536 – F CFA 4,041,475.49
MoneyGram Cheapest 576.0155 $1.99 F CFA 4,032,108.50 −F CFA 9,366.99
Regency FX 575.7948 $0.00 F CFA 4,030,563.51 −F CFA 10,911.98
TapTap Send 571.0000 $0.00 F CFA 3,997,000.00 −F CFA 44,475.49
Exchange rateFeeRecipient getsDifference
Mid-market rate 577.7735 – F CFA 4,044,414.37
Regency FX Cheapest 576.2135 $0.00 F CFA 4,033,494.45 −F CFA 10,919.92
MoneyGram 576.0167 $1.99 F CFA 4,032,116.90 −F CFA 12,297.47
TapTap Send 571.0000 $0.00 F CFA 3,997,000.00 −F CFA 47,414.37
Exchange rateFeeRecipient getsDifference
Mid-market rate 579.7413 – F CFA 4,058,189.12
Regency FX Cheapest 578.1760 $0.00 F CFA 4,047,232.01 −F CFA 10,957.11
MoneyGram 576.0168 $1.99 F CFA 4,032,117.60 −F CFA 26,071.52
TapTap Send 571.0000 $0.00 F CFA 3,997,000.00 −F CFA 61,189.12
Exchange rateFeeRecipient getsDifference
Mid-market rate 582.8376 – F CFA 4,079,863.50
Regency FX Cheapest 581.2640 $0.00 F CFA 4,068,847.87 −F CFA 11,015.63
MoneyGram 580.0480 $1.99 F CFA 4,060,336.00 −F CFA 19,527.50
TapTap Send 572.5000 $0.00 F CFA 4,007,500.00 −F CFA 72,363.50
Exchange rateFeeRecipient getsDifference
Mid-market rate 582.5885 – F CFA 4,078,119.39
Regency FX Cheapest 581.0155 $0.00 F CFA 4,067,108.47 −F CFA 11,010.92
MoneyGram 580.0485 $1.99 F CFA 4,060,339.50 −F CFA 17,779.89
TapTap Send 574.5000 $0.00 F CFA 4,021,500.00 −F CFA 56,619.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 582.5885 – F CFA 4,078,119.39
Regency FX Cheapest 581.0155 $0.00 F CFA 4,067,108.47 −F CFA 11,010.92
MoneyGram 580.0485 $1.99 F CFA 4,060,339.50 −F CFA 17,779.89
TapTap Send 574.6000 $0.00 F CFA 4,022,200.00 −F CFA 55,919.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 586.1369 – F CFA 4,102,958.35
Regency FX Cheapest 584.5543 $0.00 F CFA 4,091,880.36 −F CFA 11,077.99
MoneyGram 580.0485 $1.99 F CFA 4,060,339.50 −F CFA 42,618.85
TapTap Send 574.6000 $0.00 F CFA 4,022,200.00 −F CFA 80,758.35
Exchange rateFeeRecipient getsDifference
Mid-market rate 585.1662 – F CFA 4,096,163.61
MoneyGram Cheapest 585.9431 $1.99 F CFA 4,101,601.70 +F CFA 5,438.09
Regency FX 583.5863 $0.00 F CFA 4,085,103.97 −F CFA 11,059.64
TapTap Send 576.5000 $0.00 F CFA 4,035,500.00 −F CFA 60,663.61
Exchange rateFeeRecipient getsDifference
Mid-market rate 584.2147 – F CFA 4,089,503.04
Regency FX Cheapest 582.6373 $0.00 F CFA 4,078,461.38 −F CFA 11,041.66
MoneyGram 580.8629 $0.99 F CFA 4,066,040.30 −F CFA 23,462.74
TapTap Send 575.0000 $0.00 F CFA 4,025,000.00 −F CFA 64,503.04
Exchange rateFeeRecipient getsDifference
Mid-market rate 586.5041 – F CFA 4,105,529.04
Regency FX Cheapest 584.9206 $0.00 F CFA 4,094,444.11 −F CFA 11,084.93
MoneyGram 582.9026 $0.99 F CFA 4,080,318.20 −F CFA 25,210.84
TapTap Send 577.0000 $0.00 F CFA 4,039,000.00 −F CFA 66,529.04
Exchange rateFeeRecipient getsDifference
Mid-market rate 584.1930 – F CFA 4,089,351.06
MoneyGram Cheapest 583.6746 $0.99 F CFA 4,085,722.20 −F CFA 3,628.86
Regency FX 582.6157 $0.00 F CFA 4,078,309.82 −F CFA 11,041.24
TapTap Send 580.0000 $0.00 F CFA 4,060,000.00 −F CFA 29,351.06
Exchange rateFeeRecipient getsDifference
Mid-market rate 585.4443 – F CFA 4,098,110.20
Regency FX Cheapest 583.8636 $0.00 F CFA 4,087,045.30 −F CFA 11,064.90
MoneyGram 583.6646 $0.99 F CFA 4,085,652.20 −F CFA 12,458.00
TapTap Send 582.0000 $0.00 F CFA 4,074,000.00 −F CFA 24,110.20
Exchange rateFeeRecipient getsDifference
Mid-market rate 585.4443 – F CFA 4,098,110.20
Regency FX Cheapest 583.8636 $0.00 F CFA 4,087,045.30 −F CFA 11,064.90
MoneyGram 583.6646 $0.99 F CFA 4,085,652.20 −F CFA 12,458.00
TapTap Send 581.5000 $0.00 F CFA 4,070,500.00 −F CFA 27,610.20
Exchange rateFeeRecipient getsDifference
Mid-market rate 585.5927 – F CFA 4,099,149.15
Regency FX Cheapest 584.0116 $0.00 F CFA 4,088,081.45 −F CFA 11,067.70
MoneyGram 583.6646 $0.99 F CFA 4,085,652.20 −F CFA 13,496.95
TapTap Send 581.5000 $0.00 F CFA 4,070,500.00 −F CFA 28,649.15
Exchange rateFeeRecipient getsDifference
Mid-market rate 586.2927 – F CFA 4,104,048.96
MoneyGram Cheapest 585.7940 $0.99 F CFA 4,100,558.00 −F CFA 3,490.96
Regency FX 584.7097 $0.00 F CFA 4,092,968.02 −F CFA 11,080.94
TapTap Send 581.5000 $0.00 F CFA 4,070,500.00 −F CFA 33,548.96
Exchange rateFeeRecipient getsDifference
Mid-market rate 585.5332 – F CFA 4,098,732.69
MoneyGram Cheapest 586.8965 $0.99 F CFA 4,108,275.50 +F CFA 9,542.81
Regency FX 583.9523 $0.00 F CFA 4,087,666.11 −F CFA 11,066.58
TapTap Send 583.5000 $0.00 F CFA 4,084,500.00 −F CFA 14,232.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 584.7988 – F CFA 4,093,591.68
MoneyGram Cheapest 586.6347 $0.99 F CFA 4,106,442.90 +F CFA 12,851.22
TapTap Send 585.0000 $0.00 F CFA 4,095,000.00 +F CFA 1,408.32
Regency FX 583.2199 $0.00 F CFA 4,082,538.99 −F CFA 11,052.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 583.7690 – F CFA 4,086,383.29
MoneyGram Cheapest 588.2508 $1.99 F CFA 4,117,755.60 +F CFA 31,372.31
TapTap Send 585.5500 $0.00 F CFA 4,098,850.00 +F CFA 12,466.71
Regency FX 582.1929 $0.00 F CFA 4,075,350.06 −F CFA 11,033.23
Exchange rateFeeRecipient getsDifference
Mid-market rate 583.7388 – F CFA 4,086,171.78
MoneyGram Cheapest 588.2430 $1.99 F CFA 4,117,701.00 +F CFA 31,529.23
TapTap Send 587.5000 $0.00 F CFA 4,112,500.00 +F CFA 26,328.23
Regency FX 582.1627 $0.00 F CFA 4,075,139.11 −F CFA 11,032.67
Exchange rateFeeRecipient getsDifference
Mid-market rate 583.7388 – F CFA 4,086,171.78
MoneyGram Cheapest 588.2430 $1.99 F CFA 4,117,701.00 +F CFA 31,529.23
TapTap Send 588.0000 $0.00 F CFA 4,116,000.00 +F CFA 29,828.23
Regency FX 582.1627 $0.00 F CFA 4,075,139.11 −F CFA 11,032.67
Exchange rateFeeRecipient getsDifference
Mid-market rate 585.1530 – F CFA 4,096,070.95
MoneyGram Cheapest 588.2430 $1.99 F CFA 4,117,701.00 +F CFA 21,630.05
TapTap Send 588.0000 $0.00 F CFA 4,116,000.00 +F CFA 19,929.05
Regency FX 583.5731 $0.00 F CFA 4,085,011.56 −F CFA 11,059.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 584.0180 – F CFA 4,088,126.07
TapTap Send Cheapest 586.5000 $0.00 F CFA 4,105,500.00 +F CFA 17,373.93
MoneyGram 585.0236 $1.99 F CFA 4,095,165.20 +F CFA 7,039.13
Regency FX 582.4412 $0.00 F CFA 4,077,088.13 −F CFA 11,037.94
Exchange rateFeeRecipient getsDifference
Mid-market rate 584.3395 – F CFA 4,090,376.51
TapTap Send Cheapest 588.0000 $0.00 F CFA 4,116,000.00 +F CFA 25,623.49
MoneyGram 585.0223 $1.99 F CFA 4,095,156.10 +F CFA 4,779.59
Regency FX 582.7618 $0.00 F CFA 4,079,332.50 −F CFA 11,044.01
Exchange rateFeeRecipient getsDifference
Mid-market rate 583.8147 – F CFA 4,086,702.94
TapTap Send Cheapest 588.2000 $0.00 F CFA 4,117,400.00 +F CFA 30,697.06
Regency FX 582.2384 $0.00 F CFA 4,075,668.84 −F CFA 11,034.10
MoneyGram No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 585.8025 – F CFA 4,100,617.84
TapTap Send Cheapest 588.2000 $0.00 F CFA 4,117,400.00 +F CFA 16,782.16
MoneyGram 585.5373 $1.99 F CFA 4,098,761.10 −F CFA 1,856.74
Regency FX 584.2209 $0.00 F CFA 4,089,546.17 −F CFA 11,071.67
Exchange rateFeeRecipient getsDifference
Mid-market rate 585.5534 – F CFA 4,098,873.86
TapTap Send Cheapest 588.2000 $0.00 F CFA 4,117,400.00 +F CFA 18,526.14
MoneyGram 586.6876 $1.99 F CFA 4,106,813.20 +F CFA 7,939.34
Regency FX 583.9724 $0.00 F CFA 4,087,806.90 −F CFA 11,066.96
Exchange rateFeeRecipient getsDifference
Mid-market rate 585.5534 – F CFA 4,098,873.86
TapTap Send Cheapest 588.2000 $0.00 F CFA 4,117,400.00 +F CFA 18,526.14
MoneyGram 586.6876 $1.99 F CFA 4,106,813.20 +F CFA 7,939.34
Regency FX 583.9724 $0.00 F CFA 4,087,806.90 −F CFA 11,066.96
Exchange rateFeeRecipient getsDifference
Mid-market rate 585.4092 – F CFA 4,097,864.62
TapTap Send Cheapest 587.0000 $0.00 F CFA 4,109,000.00 +F CFA 11,135.38
MoneyGram 586.6876 $1.99 F CFA 4,106,813.20 +F CFA 8,948.58
Regency FX 583.8286 $0.00 F CFA 4,086,800.39 −F CFA 11,064.23
Exchange rateFeeRecipient getsDifference
Mid-market rate 587.7473 – F CFA 4,114,231.39
TapTap Send Cheapest 590.0000 $0.00 F CFA 4,130,000.00 +F CFA 15,768.61
MoneyGram 586.4148 $1.99 F CFA 4,104,903.60 −F CFA 9,327.79
Regency FX 586.1604 $0.00 F CFA 4,103,122.96 −F CFA 11,108.43
Exchange rateFeeRecipient getsDifference
Mid-market rate 589.8988 – F CFA 4,129,291.75
TapTap Send Cheapest 590.2000 $0.00 F CFA 4,131,400.00 +F CFA 2,108.25
Regency FX 588.3061 $0.00 F CFA 4,118,142.66 −F CFA 11,149.09
MoneyGram 586.4196 $1.99 F CFA 4,104,937.20 −F CFA 24,354.55

Exchange rateFeeRecipient getsDifference

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 16 of the last 30 days.

Right now, TapTap Send pays 4,131,400 XOF on 7,000 USD, which is 2,108.25 XOF more than the mid-market amount, so it's a good deal (pretty much free money).

Today's payout is the highest in the past month.

If you need to send money now, it's a good time to send.

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 Senegal.

We've tracked 207 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

  1. TapTap SendAppeared in 207 comparisons

    Cheapest in 32% of them

  2. Regency FXAppeared in 117 comparisons

    Cheapest in 29% of them

  3. MoneyGramAppeared in 205 comparisons

    Cheapest in 40% of them

Based on 207 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 TapTap Send is the cheapest and gets you the most XOF, but it was the cheapest in only 32% of the 207 comparisons it appeared in over the past month.

Regency FX (today's second cheapest) was the cheapest in only 29% of its comparisons, so it's rarely the cheapest option for transfers to Senegal.

If it's a one-off transfer, go with TapTap Send, since it's the cheapest right now.

Ways to send money from the US to Senegal

There are 6 companies available for sending money from the US to Senegal, across app, broker, online, in person, multi-currency account, and global 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 -0.05% 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 30% 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 4,104,937.2 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 Senegal.

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

On a $7,000 transfer, you will get 4,104,937.2 XOF after a $1.99 fee and 0.59% markup.

In our comparisons over the past month, it was the cheapest online service on 29 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 Senegal (e.g. a property purchase, tuition, or moving to Senegal), 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 100% 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 Senegal, building up XOF balance, or receiving payments in XOF.

Revolut converts $7,000 at 0.8% 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 Senegal

With TapTap Send, paying by debit card and receiving through cash pickup is the cheapest combination. Sending $7,000 gives your recipient 4,131,400 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 Senegal.

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 4,104,937.2 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, Venmo and Cash App only support domestic transfers, so they cannot send money to Senegal.

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

They can collect cash in Senegal

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

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

  1. 1
    Debit card Cash pickup

    You pay $7,000.00

    CFA4,131,400

    Cheapest

  2. 2
    Debit card Mobile wallet

    You pay $7,000.00

    CFA4,131,400

    CFA0

  3. 3
    Debit card Mobile money

    You pay $7,000.00

    CFA4,131,400

    CFA0

  4. 4
    Bank transfer Bank deposit

    You pay $7,000.00

    CFA4,118,143

    -CFA13,257

  5. 5
    Bank transfer Mobile money

    You pay $7,001.99

    CFA4,104,937

    -CFA26,463

Show moreShow less
  1. 6
    Bank transfer Mobile wallet

    You pay $7,001.99

    CFA4,104,937

    -CFA26,463

  2. 7
    Credit card Mobile wallet

    You pay $7,210.00

    CFA4,096,683

    -CFA34,717

  3. 8
    Credit card Mobile money

    You pay $7,210.00

    CFA4,096,683

    -CFA34,717

  4. 9
    Debit card Bank deposit

    You pay $7,001.99

    CFA4,055,311

    -CFA76,089

  5. 10
    Credit card Bank deposit

    You pay $7,177.99

    CFA4,055,311

    -CFA76,089

  6. 11
    Bank transfer Cash pickup

    You pay $7,003.99

    CFA4,035,008

    -CFA96,392

  7. 12
    Credit card Cash pickup

    You pay $7,179.99

    CFA4,034,959

    -CFA96,441

  8. 13
    Cash deposit Cash pickup

    You pay $7,060.79

    CFA4,000,379

    -CFA131,021

Things to consider before sending USD to Senegal

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 Senegal

The cheapest option is TapTap Send, funded by debit card with cash pickup for the payout. Your recipient gets 4,131,400 XOF, which is 0.32% more than the next best option.

Fastest way to send money to Senegal

The fastest option is TapTap Send. Pay by debit card and choose cash pickup for the payout. Your recipient gets 4,131,400 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 Senegal?

For transfers over $10,000, TapTap Send is the best option.

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

While TapTap Send 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.

Read Review

How we analyze the market

We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Senegal and 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 207 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.