What is the best way to send money home to [COUNTRY_TO_NAME] as an expat?

Due to the constant growth of global migration, millions of South African people live all over the world nowadays. Research conducted in 2020 found an estimated 229,000 South African expats now live in the UK and each year, thousands of overseas remittances are sent to South Africa from countries including Togo . One of the most popular platforms serving South African remittance corridors is Azimo : the company offers low-cost options tailor-made to expats who need to send money home to South Africa.

What is the current exchange rate for [COUNTRY_TO_NAME]?

At the time of writing, the current exchange rate is ZAR 0.025737 for XOF 0.025737. The ZAR has fluctuated significantly over the last few years and the socio-political conditions of South Africa will determine future fluctuations in currency exchange rates. You can reasonably expect these fluctuations to continue going forward, barring unforeseen circumstances. Stay in the know by reviewing the mid-market rate 0.025737 of exchange using XE , or using our handy comparison tool.

What do we mean by the top provider? The top provider is the money transfer service that we believe is the most suitable for the country you’re sending money to. In order to keep our service free we factor in the commercial agreements we have with partners into this ranking. How do we choose providers to display? We make sure that each table displays the most relevant brands to the country you are sending money to and from. We consider many factors when choosing the providers to display in the table.All of the providers we display are fully regulated to provide money transfer services in the jurisdiction you are searching, relevant regulatory authorities are the FCA, ASIC, Fincen, FINTRAC & AMF. Alongside being regulated the services are manually checked by our team for both quality of service and online trust from such platforms like Trustpilot and Google reviews.We base our rankings primarily on the quality of the service provided, the benefit to the consumer and to keep our service free - the commercial agreements we have. How do we order our comparisons? We are affiliated with some of the partners displayed in the tables. However, the order of the providers is based on the quality of the service for the particular country corridor followed by the commercial agreement in place. You don’t pay any extra and the deal you get isn’t affected by our commercial agreement with the money transfer provider. We may receive a commission when you click through to a listing or when you make a transaction.We aim to find the balance between the quality of the service, customer satisfaction and the commercial agreements we have, and continue comparing services in a transparent way.If you have any questions about our listings, please don’t hesitate to email us at contact@moneytransfers.com

Send Money From Togo to South Africa | Transfer XOF to ZAR

Q: How can I send money abroad?

There are many ways to do this, but the best option really depends on your specific needs. Are you looking to transfer quickly? Or do you care mainly about how much of your hard earned cash actually ends up being sent over to its destination. We compare money transfer providers for your specific needs, to make sure you can send money abroad as efficiently as possible, all whilst saving you money.

Q: Can I send money with MoneyTransfers.com?

No. MoneyTransfers.com is a comparison website aiming to match you with the best money transfer providers for your needs when transferring money online.

Q: Why can’t I just use my bank to transfer money abroad?

The honest answer; you can. But traditional banks aren’t set up very well to handle international payments and money transfers. This is why many other service providers exist, who are specialists in transferring money abroad. Money transfer companies are designed to provide cheaper ways to send money abroad , whereas, banks take much longer, cost a lot more and are generally more complex to use. This is why we always recommend using a specific money transfer provider to send your money abroad .

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XOF to ZAR Currency Transfers

Almost a quarter of the adult population in South Africa are reportedly unbanked and without access to financial services, so recipients in this country have unique remittance requirements. Certain international money transfer companies cater to recipients in South Africa and are therefore able to provide the most intuitive and tailor-made solutions, with multiple pay-out choices for sending money to someone without a bank account.

Best Providers for Sending Money to South Africa from Togo

When considering how to send money South Africa from Togo there are some key aspects of the transfer that will impact the best provider for your needs.

There are plenty of international money transfer providers for Togo to South Africa. The fastest money transfer provider is . The cheapest provider we found is at Above Mid-Market Rate.

If you’re looking for the best combination of price, speed, and reliability we recommend using when sending XOF – ZAR.

This means that by using for online money transfers to South Africa from Togo, you are likely to save on transfer fees and benefit from fast speeds – so your recipient will get more money and have it delivered in less time.

Alternatively, if you are unable to access for any reason, our comparison engine has found also to be very good options when sending XOF to ZAR.

If you are looking to make an international transfer, in some cases you might need to know the SWIFT/BIC code of your recipient in South Africa. If you’re unsure what it is, check out our SWIFT calculator to figure out the correct SWIFT code in South Africa.

The cheapest way to send money from Togo to South Africa

The cost of transferring money will depend on the value of the transaction and amount of ZAR you want the recipient in South Africa to receive.

In order to avoid high fees, you should consider the cheapest way to send money from Togo to South Africa.

has been determined by our comparison engine to be currently offering you the cheapest rates possible.

The fastest way to send money from Togo to South Africa

When sending money from Togo to South Africa, speed is one of the biggest factors you need to consider in terms of the service offered by different money transfer providers, particularly if you want to send money instantly. Currently, is the fastest way to send XOF – ZAR.

What payment methods are available when sending money from Togo to South Africa?

Most money transfer providers allow you to deposit and send money using various payment methods, but not all providers offer every option. Typically you’ll find the most common methods are bank transfers and card payments, but many providers also accept cash and some will even deliver funds straight to your recipient’s door.

Sending money to South Africa from Togo using credit card

To avoid high fees you can opt to use an online money transfer provider such as to pay for your transfer to South Africa. Our guide on sending money using a credit card has more information.

Sending money to South Africa from Togo using a debit card

With you can send money online to South Africa using your debit card. But before making a payment, make sure you understand all the processing fees in place. Our guide on sending money using a debit card has more information.

Using a wire transfer to send money from Togo to South Africa

Bank and international wire transfers are the most common ways of sending money South Africa as they are secure, reliable, and convenient. However, they often come with the slowest delivery times in case speed is an important factor for you. You can use to send money using a bank or wire transfer at a great rate as long as you’re happy for your transfer to take 1-2 days.

When sending money to South Africa from Togo using bank account transfer you are paying for the outgoing fees, flat fees, currency exchange rate markup, and sometimes an additional incoming transfer fee. If you do decide to make an international transfer using wire transfer, you might be required to use a SWIFT/BIC code when completing your transaction. If you’re unsure of what it is, check out our guide on what is a SWIFT code as well as use our SWIFT code calculator to find the right SWIFT/BIC code.

On the other hand, you usually only pay a sender fee and a small exchange rate markup when using online money transfer services such as .

Considerations for a XOF to ZAR Currency Transfer

Before sending money to South Africa from Togo, you should consider the following:

The amount you want to transfer: It is likely that the more money you send to South Africa the more value you will get and more ZAR the recipient will receive. This is because any flat fee charged ends up as a smaller percentage of your transfer amount, and also because many providers allow you to negotiate a better exchange rate margin if sending large amounts.
The XOF – ZAR exchange rate margin: Money transfer providers charge a small percentage on top of the mid-market exchange rates in order to generate revenue. Current mid market rate is 0.025737 and the lowest exchange rate margin is currently offered by at above the mid market rate.
Hidden fees & charges: Before sending money to South Africa, make sure the provider you are using doesn’t charge any hidden fees. Our reviews of the top ranked providers , and will give insight here.

How to send money from Togo to South Africa at the best rate?

This one’s easy. Simply use our comparison table above to find the best provider to send XOF to ZAR. After that it’s just a process of making your transfer via the following steps:

Click “Visit Site” inside our comparison table
Register for an account if required
Input how much you are willing to send
Fund your transfer
Receive & save an email confirming your transfer

How to receive transfers from XOF to ZAR in South Africa?

Your recipient has a few methods available to receive your money in South Africa. These will vary between providers, but it is possible to find services that will:

Deposit ZAR directly into a bank account
Enable the recipient to pick up cash a specific locations across South Africa
Deliver money directly to their door
Send ZAR to your recipient’s mobile wallet

If your recipient is going to collect or have the money delivered to them in South Africa, then they will usually need the following:

A government issued I.D document
The money transfer reference number
Senders details and the amount of money sent

How much money can be transferred from Togo to South Africa?

The amount of ZAR you can receive from Togo will largely depend on the money transfer service you are using. There are providers that specialise in smaller remittance payments, and providers who specialise in larger transfers.

You should also check if there are any government regulations pertaining to the amount of ZAR that can be received in South Africa or sent from Togo before making your transfer.

What is the best way to send money home to South Africa as an expat?

What is the current exchange rate for South Africa?

How can I send money abroad?

Can I send money with MoneyTransfers.com?

Why can’t I just use my bank to transfer money abroad?

How we compare?

Written by
Keith Hodges

Keith is a digital specialist with a background in the financial industry, both as a marketeer and a journalist. Keith joined MoneyTransfers.com in order to take the business to the next level and expand our offering in multiple international money transfer markets.

Sending money from Togo to South Africa