Best Way to Send Money to Togo from USA (USD to XOF)

Sending money from USA to Togo: what today's data shows

RemitFinder compares 10 providers and 55 ways to send money from USA to Togo. The mid-market rate is XOF 582.6853 per USD. 7 providers have no-fee options. The fastest published delivery is instant.

🧭 What is the best way to send money to Togo from USA?

It depends on how you pay, how your recipient wants the money and how much you send. RemitFinder compares 10 providers offering 55 ways to send US Dollar (USD) to CFA Franc BCEAO (XOF).

💰 Most XOF received today, by amount sent:

Four providers rank in the top three at one or more of these amounts: BOSS Money, MoneyGram, Taptap Send and XE Money Transfer.

At USD 1,000, the top three providers are BOSS Money, MoneyGram and Taptap Send, giving XOF 598,729.60, XOF 592,560.10 and XOF 587,000.00 respectively. XOF 11,729.60 separates BOSS Money in first place from Taptap Send in third.

The leaders change with the amount you send. Compare providers at your own amount: the cards above rank every way to send for it, fees included.

🔀 Ways to receive, with the most received at USD 1,000:

Bank Account is the most widely offered way to receive, with 8 providers, followed by Cash Pickup (4) and Mobile Wallet (4). At USD 1,000, receiving in a Bank Account gets your recipient the most: up to XOF 598,729.60.

💱 How to get the best USD to XOF exchange rate?

The mid-market US Dollar to CFA Franc BCEAO rate today is XOF 582.6853 per USD. Providers add a markup to it, so compare the rate each one gives you, not the mid-market rate.

At that rate, USD 1,000 is XOF 582,685.30, and each 1% of markup costs about XOF 5,826.85.

• 📊 Rates run from XOF 564.291 to XOF 598.7296 per USD across all amounts. The top three rates are from BOSS Money (XOF 598.7296 for transfers of USD 10 to USD 2,000), MoneyGram (XOF 592.5601 for transfers up to USD 1,000) and Taptap Send (XOF 587.00 for transfers up to USD 10,000).
• 📏 Typical markup: 0.48%. The median provider's best rate is 0.48% below the mid-market rate.
• ✅ 4 providers offer a rate above the mid-market rate on some amounts: BOSS Money, MoneyGram, Taptap Send and XE Money Transfer.
• 💳 How you pay rarely changes the rate. At USD 1,000, 4 of the 5 providers that offer more than one way to pay give the same rate whichever you choose. Payment methods differ mostly in their fees.

How your recipient gets the money changes the rate. The median provider's best rate is 1.19% above the mid-market rate for money received in a Mobile Wallet, 0.61% below it in a Bank Account and 1.52% below it as Cash Pickup.

💸 What is the cheapest way to send money to Togo from USA?

At USD 1,000, the three cheapest providers today are BOSS Money (paying from a Bank Account, received in a Bank Account), MoneyGram (paying by Debit Card, received as Cash Pickup) and Taptap Send (paying by Debit Card, received in a Mobile Wallet). With these providers, your recipient gets XOF 598,729.60, XOF 592,560.10 and XOF 587,000.00 respectively.

💸 Total cost (fee + exchange-rate markup) by amount:

Below zero (−) is better than the mid-market rate^ⓘ A total cost below zero (−) means the provider's exchange rate is better than the mid-market rate, so your recipient gets more than your amount converted at the mid-market rate, even after the fee.

The typical total cost is 2.05% at USD 200, 1.21% at USD 1,000 and 1.65% at USD 5,000. At USD 1,000, all three of the cheapest providers have a total cost below zero, so your recipient gets more than at the mid-market rate.

Total cost is the fee plus the exchange-rate markup, as a share of the amount sent.

💳 Cheapest way to pay, at USD 1,000:

Below zero (−) is better than the mid-market rate^ⓘ A total cost below zero (−) means the provider's exchange rate is better than the mid-market rate, so your recipient gets more than your amount converted at the mid-market rate, even after the fee.

Paying by Mobile Wallet has the lowest typical total cost at USD 1,000 (−2.01%), and paying with Google Pay the highest (3.22%). On USD 1,000, that difference is worth about XOF 30,484 more to your recipient.^ⓘ A total cost below zero (−) means the provider's exchange rate is better than the mid-market rate, so your recipient gets more than your amount converted at the mid-market rate, even after the fee.

🏦 Cheapest way to receive, at USD 1,000:

Receiving in a Mobile Wallet has the lowest typical total cost at USD 1,000 (0.86%), and receiving as Cash Pickup the highest (2.58%). On USD 1,000, that difference is worth about XOF 9,973 more to your recipient.

🔗 Cheapest pay and receive combinations, at USD 1,000:

Below zero (−) is better than the mid-market rate^ⓘ A total cost below zero (−) means the provider's exchange rate is better than the mid-market rate, so your recipient gets more than your amount converted at the mid-market rate, even after the fee.

The cheapest combination is paying by Mobile Wallet, received in a Bank Account, with a typical total cost of −2.75%, so your recipient typically gets more than at the mid-market rate. The most expensive is paying with Google Pay, received as Cash Pickup, at 4.30%.^ⓘ A total cost below zero (−) means the provider's exchange rate is better than the mid-market rate, so your recipient gets more than your amount converted at the mid-market rate, even after the fee.

On USD 1,000, your recipient typically gets XOF 598,729.60 with the cheapest combination and XOF 557,923.78 with the most expensive: XOF 40,805.82 more with the cheapest combination.

Choosing well is worth XOF 50,631.49 more on USD 1,000. The most your recipient can get today is XOF 598,729.60, and the least is XOF 548,098.11.

• 🧮 Fixed fees weigh most on small transfers. A typical fixed fee of USD 4 is 2.00% of USD 200 but only 0.08% of USD 5,000.
• 🆓 7 providers charge no fee on some ways to send or some amounts: Airwallex, BOSS Money, Key Currency, MoneyGram, Taptap Send, Western Union and XE Money Transfer.

🏦 How to send money from USA to Togo through a bank?

8 providers accept payment by Bank Transfer. Your recipient can receive the money in a Bank Account with 8 providers.

Bank Transfer or Card? At USD 1,000, the typical total cost is −0.16% paying by Debit Card, 0.86% paying by ACH, 1.11% paying from a Bank Account and 3.05% paying by Credit Card.^ⓘ A total cost below zero (−) means the provider's exchange rate is better than the mid-market rate, so your recipient gets more than your amount converted at the mid-market rate, even after the fee.

• ⏱️ Money typically arrives in a Bank Account in 2–4 days, and MoneyGram publishes delivery within 30 minutes.
• 🧾 What you need: the recipient's full name, bank name and account number, plus the bank's code.

Find the bank code: SWIFT codes for banks in Togo.

⚡ How to send money from USA to Togo fast?

The fastest published delivery arrives instantly, with MoneyGram (Cash Pickup).

By the times providers publish, money can arrive within 30 minutes in a Bank Account or in a Mobile Wallet and instantly as Cash Pickup.

What speed costs. At USD 1,000, the cheapest way with a published delivery time within an hour is MoneyGram (paying by Debit Card, received as Cash Pickup), with a total cost of −1.69%. The cheapest way overall has a total cost of −2.75%, 1.06 percentage points less.^ⓘ A total cost below zero (−) means the provider's exchange rate is better than the mid-market rate, so your recipient gets more than your amount converted at the mid-market rate, even after the fee.

Delivery times are those providers publish, or typical times for the delivery method where they publish none. Actual times can vary with identity checks, bank cut-off times and public holidays.

🏆 Which are the best money transfer companies to send money to Togo from USA?

There's no single best company: it depends on the amount and how you send. These are today's standouts, each by a measured figure.

• 🥇 BOSS Money, MoneyGram and Taptap Send give your recipient the most on USD 1,000 today.
• 💱 BOSS Money, MoneyGram and Taptap Send offer the highest exchange rates, from XOF 587.00 to XOF 598.7296 per USD.
• 🔀 BOSS Money offers the most ways to send (15), followed by Ria Money Transfer (12) and Western Union (10).
• 💵 BOSS Money, MoneyGram, Ria Money Transfer and Western Union offer Cash Pickup in Togo.
• 🆓 7 providers have no-fee options.
• ⚡ MoneyGram publishes the fastest delivery: instant.
• 🎁 4 providers have RemitFinder deals for this corridor.

📋 All 10 providers, by what your recipient gets for USD 1,000:

At USD 1,000, 9 of the 10 providers accept the transfer. Among them, your recipient gets between XOF 566,789.16 and XOF 598,729.60, and half of the providers give at least XOF 577,652.90.

Below are the details for each provider, in alphabetical order: its exchange rate, fees, ways to pay and receive, delivery times, limits and what your recipient gets.

Airwallex USD to XOF exchange rate today

• 💱 Airwallex's US Dollar to CFA Franc BCEAO exchange rate is XOF 576.2149 per USD, 1.11% below the mid-market rate.
• 💸 Airwallex charges no fee.
• 🏦 With Airwallex, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Airwallex, money arrives in a Bank Account in about 2 hours.
• 💰 On USD 1,000, your recipient gets XOF 576,214.90 with Airwallex (paying from a Bank Account, received in a Bank Account).

BOSS Money USD to XOF exchange rate today

• 💱 BOSS Money's US Dollar to CFA Franc BCEAO exchange rate runs from XOF 575.3476 to XOF 598.7296 per USD. Its best rate applies to transfers of USD 10 to USD 2,000 and is 2.75% above the mid-market rate.
• 💸 BOSS Money charges no fee when you pay from a Bank Account, by Debit Card, by Mobile Wallet or by BOSS Money Wallet and USD 4.99 (USD 9.99 from USD 250.01, USD 12.99 from USD 500.01, USD 18.99 from USD 750.01, 3% from USD 1,000.01) when you pay by Credit Card.
• 🏦 With BOSS Money, you pay from a Bank Account, by Credit Card, by Debit Card, by Mobile Wallet or by BOSS Money Wallet, and your recipient gets the money in a Bank Account, as Cash Pickup or in a Mobile Wallet.
• ⏱️ With BOSS Money, money arrives in a Bank Account typically in 2–4 days, as Cash Pickup typically within 2 hours and in a Mobile Wallet typically within 30 minutes.
• 📏 BOSS Money accepts USD 10 to USD 5,000 per transfer.
• 💰 On USD 1,000, your recipient gets XOF 598,729.60 with BOSS Money (paying from a Bank Account, received in a Bank Account).
• 🎁 RemitFinder exclusives for BOSS Money: $0 Fee on first 3 transfers; Refer a friend to earn USD 25.

Key Currency USD to XOF exchange rate today

• 💱 Key Currency's US Dollar to CFA Franc BCEAO exchange rate is XOF 582.1026 per USD, 0.10% below the mid-market rate.
• 💸 Key Currency charges no fee.
• 🏦 With Key Currency, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Key Currency, money arrives in a Bank Account typically in 2–4 days.
• 📏 Key Currency accepts transfers from USD 6,706 per transfer.

MoneyGram USD to XOF exchange rate today

• 💱 MoneyGram's US Dollar to CFA Franc BCEAO exchange rate runs from XOF 574.297 to XOF 592.5601 per USD. Its best rate applies to transfers up to USD 1,000 and is 1.69% above the mid-market rate.
• 💸 MoneyGram's fee depends on how you pay and how much you send.
• 🏦 With MoneyGram, you pay by Credit Card, by Debit Card or in Cash, and your recipient gets the money in a Bank Account, as Cash Pickup or in a Mobile Wallet.
• ⏱️ With MoneyGram, money arrives in a Bank Account within 30 minutes, as Cash Pickup instantly and in a Mobile Wallet within 30 minutes.
• 📏 MoneyGram accepts up to USD 9,110 per transfer.
• 💰 On USD 1,000, your recipient gets XOF 592,560.10 with MoneyGram (paying by Debit Card, received as Cash Pickup).

OFX USD to XOF exchange rate today

• 💱 OFX's US Dollar to CFA Franc BCEAO exchange rate is XOF 567.0727 per USD, 2.68% below the mid-market rate.
• 💸 OFX's fee is not published for USD to XOF transfers, so amounts here include an estimated fee.
• 🏦 With OFX, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With OFX, money arrives in a Bank Account typically in 2–4 days.
• 💰 On USD 1,000, your recipient gets about XOF 566,789.16 with OFX (paying from a Bank Account, received in a Bank Account).
• 🎁 RemitFinder exclusive for OFX: Get 10 free transfers.

Remitly USD to XOF exchange rate today

• 💱 Remitly's US Dollar to CFA Franc BCEAO exchange rate is XOF 574.43 per USD, 1.42% below the mid-market rate.
• 💸 Remitly's fee is not published for USD to XOF transfers, so amounts here include an estimated fee.
• 🏦 With Remitly, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Remitly, money arrives in a Bank Account typically in 2–4 days.
• 📏 Remitly accepts up to USD 20,000 per transfer.
• 💰 On USD 1,000, your recipient gets about XOF 574,142.78 with Remitly (paying from a Bank Account, received in a Bank Account).

Ria Money Transfer USD to XOF exchange rate today

• 💱 Ria Money Transfer's US Dollar to CFA Franc BCEAO exchange rate runs from XOF 571.1765 to XOF 572.0553 per USD. Its best rate applies to transfers of USD 100 to USD 29,999.99 and is 1.82% below the mid-market rate.
• 💸 Ria Money Transfer's fee depends on how you pay and how much you send.
• 🏦 With Ria Money Transfer, you pay from a Bank Account, by Credit Card, by Debit Card, with Google Pay, with Apple Pay or by PayNearMe, and your recipient gets the money in a Bank Account or as Cash Pickup.
• ⏱️ With Ria Money Transfer, money arrives in a Bank Account typically in 2–4 days and as Cash Pickup typically within 2 hours.
• 📏 Ria Money Transfer accepts USD 100 to USD 29,999.99 per transfer.
• 💰 On USD 1,000, your recipient gets XOF 570,911.19 with Ria Money Transfer (paying from a Bank Account, received in a Bank Account).

Taptap Send USD to XOF exchange rate today

• 💱 Taptap Send's US Dollar to CFA Franc BCEAO exchange rate is XOF 587.00 per USD, 0.74% above the mid-market rate.
• 💸 Taptap Send charges no fee.
• 🏦 With Taptap Send, you pay by Debit Card, and your recipient gets the money in a Mobile Wallet.
• ⏱️ With Taptap Send, money arrives in a Mobile Wallet typically within 30 minutes.
• 📏 Taptap Send accepts up to USD 10,000 per transfer.
• 💰 On USD 1,000, your recipient gets XOF 587,000.00 with Taptap Send (paying by Debit Card, received in a Mobile Wallet).

Western Union USD to XOF exchange rate today

• 💱 Western Union's US Dollar to CFA Franc BCEAO exchange rate runs from XOF 564.291 to XOF 577.6529 per USD. Its best rate applies to all amounts and is 0.86% below the mid-market rate.
• 💸 Western Union charges 3% when you pay by Credit Card or with Google Pay and no fee when you pay by Debit Card, with Apple Pay or by ACH.
• 🏦 With Western Union, you pay by Credit Card, by Debit Card, with Google Pay, with Apple Pay or by ACH, and your recipient gets the money as Cash Pickup or in a Mobile Wallet.
• ⏱️ With Western Union, money arrives as Cash Pickup typically within 2 hours and in a Mobile Wallet typically within 30 minutes.
• 💰 On USD 1,000, your recipient gets XOF 577,652.90 with Western Union (paying by Debit Card, received in a Mobile Wallet).
• 🎁 RemitFinder exclusives for Western Union: Refer a friend to earn USD 20; Get first transfer free in US.

XE Money Transfer USD to XOF exchange rate today

• 💱 XE Money Transfer's US Dollar to CFA Franc BCEAO exchange rate runs from XOF 576.6351 to XOF 583.1137 per USD. Its best rate applies to transfers up to USD 100,000 and is 0.07% above the mid-market rate.
• 💸 XE Money Transfer charges USD 4 (no fee from USD 1,000) when you pay from a Bank Account or by ACH, 3% + USD 4 (3% from USD 1,000) when you pay by Credit Card and 0.5% + USD 4 (0.5% from USD 1,000) when you pay by Debit Card.
• 🏦 With XE Money Transfer, you pay from a Bank Account, by Credit Card, by Debit Card or by ACH, and your recipient gets the money in a Bank Account.
• ⏱️ With XE Money Transfer, money arrives in a Bank Account typically in 2–4 days.
• 💰 On USD 1,000, your recipient gets XOF 583,113.70 with XE Money Transfer (paying from a Bank Account, received in a Bank Account).
• 🎁 RemitFinder exclusive for XE Money Transfer: Refer a friend to earn USD 25.

Limits are those providers publish to RemitFinder. What you can actually send depends on the provider's checks, your account and the rules in both countries.

🪜 Step by step guide to send money from USA to Togo

1. Compare providers. RemitFinder lists 10 providers and 55 ways to send; the cards above rank them for your amount.
2. Choose how to pay. At USD 1,000, paying by Mobile Wallet has the lowest typical total cost (−2.01%).^ⓘ A total cost below zero (−) means the provider's exchange rate is better than the mid-market rate, so your recipient gets more than your amount converted at the mid-market rate, even after the fee.
3. Choose how your recipient gets the money. Bank Account (8 providers), Cash Pickup (4 providers) or Mobile Wallet (4 providers), including Orabank, Mixx by Yas and Moov.
4. Check the limits. Published maximums start at USD 5,000 per transfer. What you can send also depends on the provider's checks and the rules in both countries.
5. Sign up and verify your identity. Providers need ID before your first transfer.
6. Add your recipient's details. Name and Bank Account details, or their name as on their ID for Cash Pickup. Find the bank code: SWIFT codes for banks in Togo.
7. Pay and track the transfer. The fastest published delivery arrives instantly. Money typically arrives in a Bank Account in 2–4 days.

Frequently Asked Questions: Sending money to Togo from USA

These FAQs use data from RemitFinder's live comparison of 10 providers for USA to Togo money transfers.

• How do I send money from USA to Togo?

  Compare 10 providers on RemitFinder, choose how you pay and how your recipient gets the money, then send online with the provider you pick.

• What is the best way to send money to Togo from USA?

  At USD 1,000, BOSS Money, MoneyGram and Taptap Send give your recipient the most today: XOF 598,729.60, XOF 592,560.10 and XOF 587,000.00 respectively. The best way changes with the amount, so compare at yours.

• What is the cheapest way to send money to Togo?

  At USD 1,000, the cheapest providers today are BOSS Money, MoneyGram and Taptap Send. The cheapest combination is paying by Mobile Wallet, received in a Bank Account, with a typical total cost of −2.75%. 7 providers charge no fee on some ways to send or some amounts, and the exchange-rate markup decides the rest. RemitFinder ranks every way to send by what your recipient gets, fees included.

• How much can I save by comparing providers to send money to Togo?

  At USD 1,000, your recipient gets between XOF 548,098.11 and XOF 598,729.60, depending on the provider and how you send. Comparing can get them XOF 50,631.49 more on one transfer. BOSS Money gives the most today, paying from a Bank Account, received in a Bank Account.

• What is the USD to XOF exchange rate today?

  The mid-market rate is XOF 582.6853 per USD. Providers' rates run from XOF 564.291 to XOF 598.7296.

• Can I get a better rate than the mid-market USD to XOF rate?

  Yes. Four providers, led by BOSS Money, MoneyGram and Taptap Send, offer a rate above the mid-market rate on some amounts today, so your recipient can get more than your amount converted at the mid-market rate. Rates like these can depend on the amount, how you pay or a first-transfer offer, so check the provider's terms.

• Exchange rate or fee: what matters more when you send money to Togo?

  At USD 200, the typical fee is 0.75% of the amount, and the typical exchange rate has a markup of 0.96%. At USD 5,000, the typical fee is 0.00% of the amount, and the typical exchange rate has a markup of 1.16%. So the exchange rate matters more at every amount shown. Compare both: the cards above rank every way to send with both included.

• Does sending more money to Togo lower the cost?

  Not always. The typical total cost is 2.05% at USD 200, 1.21% at USD 1,000 and 1.65% at USD 5,000. Western Union gives a better exchange rate on larger transfers.

• Which payment method is cheapest for sending money from USA to Togo?

  Paying by Mobile Wallet has the lowest typical total cost at USD 1,000 (−2.01%), and paying with Google Pay the highest (3.22%). On USD 1,000, that difference is worth about XOF 30,484 more to your recipient. The provider giving your recipient the most when paying by Mobile Wallet is BOSS Money.

• Is Debit Card cheaper than Credit Card for sending money to Togo?

  Yes. At USD 1,000, paying by Debit Card has a typical total cost of −0.16%, compared with 3.05% paying by Credit Card. On USD 1,000, that difference is worth about XOF 18,715 more to your recipient. Your card issuer may also charge a cash advance fee when you pay by Credit Card.

• Which delivery method is cheapest for sending money to Togo from USA?

  Receiving in a Mobile Wallet has the lowest typical total cost at USD 1,000 (0.86%), and receiving as Cash Pickup the highest (2.58%). On USD 1,000, that difference is worth about XOF 9,973 more to your recipient. The providers giving your recipient the most when receiving in a Mobile Wallet are BOSS Money, MoneyGram and Taptap Send.

• Is Bank Account cheaper than Cash Pickup for sending money to Togo?

  Yes. At USD 1,000, receiving in a Bank Account has a typical total cost of 1.00%, compared with 2.58% receiving as Cash Pickup. On USD 1,000, that difference is worth about XOF 9,150 more to your recipient. Money typically arrives in a Bank Account in 2–4 days, and Cash Pickup is typically ready within 2 hours.

• How can I send cash to Togo from USA?

  BOSS Money, MoneyGram, Ria Money Transfer and Western Union offer Cash Pickup in Togo. By published times, Cash Pickup can be ready instantly with MoneyGram.

• Which mobile wallets can receive money in Togo?

  BOSS Money, MoneyGram, Taptap Send and Western Union send to Mobile Wallet accounts in Togo, including Mixx by Yas and Moov.

• What is the fastest way to send money to Togo?

  By their published times, MoneyGram delivers fastest, instantly.

• Can I send money from USA to Togo instantly?

  Yes. MoneyGram publishes delivery within an hour on some ways to send. On USD 1,000, the most your recipient gets that fast is XOF 592,560.10, with MoneyGram (paying by Debit Card, received as Cash Pickup).

• How much money can I send to Togo from USA?

  Each provider sets its own limits. The lowest published maximum is USD 5,000, and 5 of 10 providers publish no maximum. Checks and the rules in both countries also apply.

• Can I send money to Togo without fees?

  Yes, with Airwallex, BOSS Money, Key Currency, MoneyGram, Taptap Send, Western Union and XE Money Transfer on some ways to send or some amounts. Check the exchange rate too, as a no-fee transfer can still carry a markup.

• Which providers send money from USA to Togo?

  RemitFinder compares 10 providers: Airwallex, BOSS Money, Key Currency, MoneyGram, OFX, Remitly, Ria Money Transfer, Taptap Send, Western Union and XE Money Transfer.

• Which app is best to send money to Togo?

  It depends on your amount and how you pay. RemitFinder compares 10 providers and ranks every way to send for the amount you enter.