Find the best ways to send money from the United States to Togo.
Find the cheapest, fastest, and most reliable providers with the best USD to XOF exchange rates.
Explore the best deals, read expert information, and discover all you need to send money to Togo from United States.
| 4 of 4 providers Last updated on 2 September 2026 This page updates weekly. We collect, store, and analyze USD/XOF exchange rates from our comparisons. | |||
| Based on 7,000 USD transfer Best companies for USD/XOF transfersAll money transfer offers for USD/XOF transfers, sorted by most XOF received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Regency FX Pay via Bank transfer | Fee $0.00 1 USD = 564.7640 XOF +0.27% vs mid-market | Recipient gets F CFA 3,953,348.05 Minutes - 24 hours | |
Ways to receive money in Togo with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 564.7640 XOF F CFA 3,953,348.05You pay$7,000.00 | |||
Run a live search Showing top United States to Togo 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 Togo. | |||
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 = 564.7640 XOF +0.27% vs mid-market | Recipient gets F CFA 3,953,348.05 Minutes - 24 hours | |
Ways to receive money in Togo with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 564.7640 XOF F CFA 3,953,348.05You pay$7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee $40.50 1 USD = 562.0783 XOF +0.75% vs mid-market | Recipient gets F CFA 3,911,783.00 Same day | |
Ways to receive money in Togo with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame day $40.501 USD = 562.0783 XOF F CFA 3,911,783.00You 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 $1.49 1 USD = 558.7393 XOF +1.34% vs mid-market | Recipient gets F CFA 3,911,175.10 Minutes - 24 hours | |
Ways to receive money in Togo with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $1.491 USD = 558.7393 XOF F CFA 3,911,175.10You pay$7,001.49 Cash pickupMinutes - 24 hours $75.991 USD = 555.9027 XOF F CFA 3,891,318.90You pay$7,075.99 Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 555.3385 XOF F CFA 3,887,369.50You pay$7,001.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee $1.99 1 USD = 558.7393 XOF +1.34% vs mid-market | Recipient gets F CFA 3,911,175.10 Minutes - 24 hours | |
Ways to receive money in Togo with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $1.991 USD = 558.7393 XOF F CFA 3,911,175.10You pay$7,001.99 Cash pickupMinutes - 24 hours $5.991 USD = 555.9027 XOF F CFA 3,891,318.90You pay$7,005.99 Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 555.3385 XOF F CFA 3,887,369.50You pay$7,001.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee $210.00 1 USD = 558.7393 XOF +1.34% vs mid-market | Recipient gets F CFA 3,911,175.10 Minutes - 24 hours | |
Ways to receive money in Togo with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $210.001 USD = 558.7393 XOF F CFA 3,911,175.10You pay$7,210.00 Cash pickupMinutes - 24 hours $179.991 USD = 555.9027 XOF F CFA 3,891,318.90You pay$7,179.99 Bank depositMinutes - 24 hoursAvailable via:All Banks $177.991 USD = 555.3385 XOF F CFA 3,887,369.50You pay$7,177.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Cash deposit | Fee $60.79 1 USD = 554.9100 XOF +2.03% vs mid-market | Recipient gets F CFA 3,884,370.00 Minutes - 24 hours | |
Ways to receive money in Togo with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 554.9100 XOF F CFA 3,884,370.00You pay$7,060.79 | |||
 TapTap Send Pay via Debit card | Fee $0.00 1 USD = 540.0000 XOF +4.75% vs mid-market | Recipient gets F CFA 3,780,000.00 Minutes | |
Ways to receive money in Togo with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutesAvailable via:Mixx by Yas Free1 USD = 540.0000 XOF F CFA 3,780,000.00You pay$7,000.00 | |||
| How Our Results Work Mid-market rate: 1 USD = 566.292998 XOF Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then Regency FX is the best option.
For recurring transfers, I'd suggest using an app or a multi-currency account with Revolut.
For large transfers using 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.
You have 4 ways to pay for your transfer to Togo, 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).
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.
There are 4 companies available for sending money from the US to Togo, across app, broker, multi-currency account, global account, online, and in person, and more.
For regular transfers home
If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.
Revolut charges $40.5 on a $7,000 transfer with 0.75% markup, saves your recipient's details for next time, and XOF arrives in same day.
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
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 3,911,175.1 XOF in minutes - 24 hours.
However, transfers funded with cash or a money order carry a 1% federal tax from January 2021. To avoid it, fund with a debit card or bank account instead (most agents take both).
For one-off transfers
For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Togo.
Of all online companies listed here, MoneyGram gets you the most XOF per USD.
On a $7,000 transfer, you will get 3,911,175.1 XOF after a $1.49 fee and 1.34% markup.
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
For large transfers to Togo (e.g. a property purchase, tuition, or moving to Togo), 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.
Business payments from the US
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
A multi-currency account like Revolut is the best for holding and receiving XOF.
This is useful for traveling to Togo, building up XOF balance, or receiving payments in XOF.
Revolut converts $7,000 at 0.75% markup plus small fee and holds the XOF until you spend it.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 3,953,348.05 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 the it may take some time for it to clear before a money transfer company can send the money to Togo.
You can deposit cash
You'll need to visit nearest MoneyGram branch and had over $7,000.
MoneyGram is the cheapest option and will get you 3,911,175.1 XOF on $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 Togo.
Your recipient in Togo can collect XOF through bank deposit, mobile wallet, and cash pickup.
They can collect cash in Togo
Your recipient can collect XOF from a participating MoneyGram location in Togo.
They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.
You pay $7,000.00
CFA3,953,348
Cheapest
You pay $7,001.99
CFA3,911,175
-CFA42,173
You pay $7,001.49
CFA3,911,175
-CFA42,173
You pay $7,210.00
CFA3,911,175
-CFA42,173
You pay $7,005.99
CFA3,891,319
-CFA62,029
You pay $7,075.99
CFA3,891,319
-CFA62,029
You pay $7,179.99
CFA3,891,319
-CFA62,029
You pay $7,001.99
CFA3,887,370
-CFA65,979
You pay $7,177.99
CFA3,887,370
-CFA65,979
You pay $7,060.79
CFA3,884,370
-CFA68,978
The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.
Cheapest way to send money to Togo
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 3,953,348.05 XOF, which is 1.05% more than the next best option.
Fastest way to send money to Togo
The fastest option is TapTap Send. Pay by debit card and choose mobile wallet for the payout. Your recipient gets 3,780,000 XOF, with the money arriving in minutes.
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.
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.
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.
For larger transfers, your best bet is Regency FX.
While Regency FX may not always be the cheapest or fastest way to send XOF, but they offer the best exchange rate, years of experience, and will offer you the peace of mind you need when sending large amounts abroad.
The rate changes how much XOF your recipient gets for your USD. Recent movement gives you a useful benchmark before you send.
Mid-market rate:1 USD = 566.738234 XOF
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Togo and United States.
We work with leading money transfer companies to provide real time fees and exchange rates.
We also conduct detailed company reviews, combined with in-depth analysis, we can offer the best deals on the market - every time you want to transfer money from United States to Togo.
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.
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