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Send money from Nigeria to Togo
"Western Union agents help you send money from a wide variety of countries. Find a local branch near you to deposit cash and send your funds abroad."
"With MoneyGram you can send money globally. Find a local MoneyGram branch near you to deposit and send cash abroad."
"If you and the person you are sending money to both have PayPal apps, you can quickly and easily send money between each other."
The best way to send NGN to Togo is to use cash transfer via Western Union
We’ve analysed 100s of money transfer companies, and found that the overall coverage of NGN/XOF transfers is very limited for online transfers.
This is why we suggest sending cash as an alternative, using Western Union.
The transfer fees depend on which branch you use and how much you send, but overall you can expect to pay around 3 NGN for a 360,000 NGN transfer.
Depending on where you are, we suggest checking Western Union to see what deposit methods you have available.
In many cases you can deposit NGN online and the recipient in Togo will need to visit a branch to pick up XOF.
How to get the best deal on your Nigeria to Togo money transfer
Always compare rates
Don't pay more than you have to. Use our live comparison tool to get the best exchange rates on sending money from Nigeria to Togo.
Choose a provider
Select the provider that offers you the best value and timeframes for transfers between Nigeria and Togo.
Click, sign up & send
Follow the steps & make your transfer to Togo. Your funds will be sent from Nigeria and converted into CFA Franc BCEAO.
Summary of recent searches
Understanding Nigeria to Togo money transfers
Comparing providers
Comparing providers when sending money from Nigeria to Togo is the easiest way to make a transfer at the best price.
We’ve compared 3 providers for sending Naira to Togo. This ensures you will get the best options for your transfer to Togo from Nigeria.
We rate Western Union Agent as the best overall, but comparing gives you a comprehensive view of all the options for transferring money from Nigeria to Togo.
Get ahead of the Naira-CFA Franc BCEAO exchange rate
Choosing the right payment method
Financial regulators in Nigeria and Togo
Consider transfer limits
Receiving money in Togo
Have your ID ready
Tax declarations
The cheapest way to send money from Nigeria to Togo is a cash transfer via MoneyGram.
The cheapest way to send money to Togo from Nigeria is via a cash transfer through a MoneyGram Agent.
While cash transfers are usually more expensive than online options, our analysis of hundreds of money transfer companies shows that very few services currently support NGN/XOF transfers online.
The total cost of your transfer includes both the transfer fee (around 3 NGN per 360,000 NGN) and an exchange rate markup.
Ultimately, the exact price will depend on your location, payment method, and transfer amount.
The cheapest way to to send money to Togo from Nigeria is via PayPal P2P Transfer
The coverage of NGN/XOF transfer options is very limited, therefore, PayPal’s P2P transfer service is one of the cheaper options you have, along with cash transfer via Western Union and MoneyGram.
With PayPals P2P transfer, the main cost is the conversion between currencies, which can go as high as % on top of the mid market rate, as well as a NGN transfer fee.
You can also opt to use a cash transfer via MoneyGram or Western Union, which are cheaper in some cases (depending on the amount, deposit method, and your branch).
Transferring large sums of money
Of the 3 money transfer companies tested, Western Union Agent is the strongest option for large transfers from Nigeria to Togo.
Reasons for sending large sums of money vary and include business or property purchases. But whatever the reason, sending large amounts of money from Nigeria to Togo can become expensive through your bank or with the wrong provider.
Western Union Agent is our choice for sending large sums of money to NGN because they offer a strong all-round product.
Understanding the cost of sending money from Nigeria to Togo
Ensuring a strong combination of fees and exchange rates ensures the best deal on money transfers from Nigeria to Togo.
The Mid-Market and Exchange Rates: Finding a provider as close to mid-market rate as possible will ensure more CFA Franc BCEAO for your Naira. The current NGN-XOF mid-market rate is 0.3921 XOF per Naira.
This rate changes regularly so it can pay to track it. For comparison, the NGN-XOF mid-market rate for the past 7 days has averaged 0.3922 XOF per Naira, with a low of 0.3908 and a high of 0.3945.
Western Union Agent is currently offering the best exchange rate from the 3 companies compared.
Often the NGN-XOF exchange rate you pay is the biggest cost factor when transferring Nairas to Togo.
Fees: Money transfer fees are charged on top the exchange rate and can be set, or a percentage of the total amount of Naira you’re sending to Togo. Western Union Agent currently is the cheapest option for transfers into XOF costing 3 NGN per transfer. We always recommend searching for your exact send amount for an exact fee.
Amount Received: The amount received in CFA Franc BCEAO is the biggest indicator of the total cost of sending money to Togo from Nigeria. The bigger the amount received in Togo, the lower the overall cost of sending from Nigeria.
Track the exchange rate for Naira to CFA Franc BCEAO
Sending money at the right time between NGN and XOF can make a huge difference to overall cost. The exchange rate impacts how much XOF you get for your NGN.
Over the last 7 days, the average numbers are:
The exchange rate from NGN to XOF averaged 0.3922 XOF.
The highest value recorded was 0.3945 XOF, while the lowest was 0.3908 XOF.
3 providers currently offer transfers between Nigeria and Togo close to this rate
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Payment options for transfers from Nigeria to Togo
Bank transfers
Bank transfers are often the fastest and cheapest way to send money from Nigeria to Togo.
Using a money transfer company such as Western Union Agent for payments from Nigeria to Togo, means you can send via a bank transfer and benefit from lower fees and more favorable exchange rates than you would get with a traditional bank.
Western Union Agent is the best money transfer provider for bank transfers of the 3 we compared when sending NGN to Togo.With a fee of 3 NGN to transfer money from Nigeria to Togo, Western Union Agent offers a great combination of competitive exchange rates and lower fees.
Prepaid and debit cards
Sending money with a debit card from Nigeria to Togo is easy with Western Union Agent.
Western Union Agent is a leader in debit card money transfers from Nigeria to Togo. They are the best option of the 3 transfer companies compared.
Credit cards
Not many money transfer companies offer direct credit card deposits, because it is more expensive for everyone.
We recommend using a bank transfer or a debit card transfer if you can; otherwise, make a quick comparison to find the latest deal.
Fee alert: using a credit card to transfer money internationally often results in a fee being charged by your card issuer. That's why we recommend bank transfer or debit card instead.
How we analyze the market
We track the cost, speed, and product offerings of the leading money transfer services available between Togo and Nigeria.
Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.
We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.
This thorough analysis helps you get the best available deal - every time you want to move money from Nigeria to Togo.
We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send NGN to XOF.
For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy and review methodology.
Money transfer company reviews
