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How to send money to Togo from Nigeria with the best NGN-XOF rate

Compare the best deals on sending money from Nigeria to Togo. Get insights on the cheapest, fastest, and most reliable providers with the best NGN to XOF exchange rates.

Read on for the insights, analysis, and all you need to know about money transfers to Togo from Nigeria.

Transferring the other way? Send XOF from Togo to Nigeria instead.
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August 9th, 2025
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How to send money from Nigeria to Togo

Sending money from Nigeria to Togo doesn’t have a huge amount of options. Because of this, we suggest sending money via:

How to get the best deal on your Nigeria to Togo money transfer

Sending money from Nigeria to Togo: key insights and tips

1
Compare all the options

Don't settle for the first option. Always compare ways to send money from Nigeria to Togo to find out about fees, speed, and reliability.

Your analysis should include all the providers that operate between Nigeria and Togo. Through this, you get a comprehensive view of all the options you have in Nigeria when you need to send money to Togo.

2
Think about the Naira-CFA Franc BCEAO exchange rate
3
Keep your money safe
4
Consider transfer limits
5
How to receive money in Togo
6
Have your ID ready
7
Don't forget about taxes

Cheapest way to send money from Nigeria to Togo

Without any money transfer providers serving the Nigeria to Togo route, the cheapest money transfer options are limited.

We would recommend using:

Understanding the costs involved when moving money from Nigeria to Togo

When calculating the costs of money transfers between Nigeria and Togo, here's what really matters:

The Mid-Market Rate: Today, the NGN-XOF mid-market rate equals to 0.3676. Keep in mind that this rate fluctuates all the time.

The NGN-XOF average exchange rate of the past week has been 0.3707, with a highest of 0.3751 and a lowest of 0.3689.

Fees and Markups: When you pick a service with competitive exchange rates and low fees, you get to make the most out of your NGN to XOF transfers. This strategy keeps your costs down, offering a smart way to handle your international transactions.

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.

Mid-market Rate
1 
NGN
=
0.367631 
XOF

Over the last 7 days, the average numbers are:

  • The exchange rate from NGN to XOF averaged 0.3707 XOF.

  • The highest value recorded was 0.3751 XOF, while the lowest was 0.3689 XOF.

  • 4 providers currently offer transfers between Nigeria and Togo close to this rate

Want to secure the best NGN-CFA Franc BCEAO exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from Nigeria to Togo!

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

  • Sending bank transfers from Nigeria to Togo

    Bank transfers are the most common way of sending NGN to Togo as they are secure, reliable, and convenient.

    If you want to send Nairas to Togo via bank transfer, you can use your bank where no provider is available, but it will likely be at a bad exchange rate.

  • Sending money from Nigeria to Togo by credit card

    Credit card payments are quick, convenient, and typically more secure than other methods, thanks to backing by the issuing party. Some users may even be able to rack up reward points when making large transactions.

    If you want to send Nairas to Togo with a credit card.

    Note: Beware of charges

    Credit card payments are often classified as cash advances, which bring their own charges, as well as currency conversion and usage fees. Forgetting to pay your balance can also result in high interest charges, and can even damage your credit score.

  • Sending money from Nigeria to Togo by payment apps

    If you’d like to send money from Nigeria to Togo via payment app, follow these steps:

    1. Download the app and register. Download the app from the App Store or Google Play. You’ll need to register to be able to open an account. Make sure the app services transfers from Nigeria to Togo.

    2. Enter your details. Enter any of the details required. You may need a valid form of ID.

    3. Start your transfer. Enter the details of your recipient. Some apps will require full payment details, while others allow you to pay with just an email address. You may need to state that you’re planning to send money to Togo in CFA Franc BCEAO at this stage.

    4. Check the details. It’s vital that you check the details you’ve added to make sure everything is correct. It can be very difficult to reverse a transfer, and most payment apps don’t let you cancel a transfer from Nigeria to Togo after it’s been sent.

    5. Send the money. Your app will probably charge a fee for the transfer. They may also add a markup to the NGN to XOF exchange rate. Check the rate they’re offering against the mid-market rate to make sure you’re getting a good deal.

    The current mid-market rate of NGN to XOF is 0.3676

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

How much money can be transferred from Nigeria to Togo?
Are there any tax implications to sending money from Nigeria to Togo?
Can I send money from Nigeria to Togo with MoneyTransfers.com?
What are the typical transfer fees for sending Nairas to Togo through various providers?
How long does it take to send money from Nigeria to Togo?
What is the best exchange rate I can get for sending money from Nigeria to Togo?
Are there any minimum or maximum transfer amounts for sending money from Nigeria to Togo?
Can I schedule regular transfers between Nigeria and Togo?

Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is the founder and CEO of MoneyTransfers.com, with over 10 years’ experience building consumer products across finance, insurance, and travel. A frequent traveler himself, Luke has hands-on experience testing payment and transfer services globally, giving him a unique perspective on the real-world challenges users face. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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