Send money to Senegal

Send West African CFA francs (XOF) to family and businesses in Senegal, directly to bank accounts or mobile money wallets, for a flat fee of $2 via bank transfer or $3 via mobile money. No percentage markups.

Open a Grey account

Send XOF to bank accounts and mobile money in Senegal

With Grey, you can send West African CFA franc (XOF) directly to bank accounts and mobile money wallets across Senegal. No need for printouts or agent visits. With flat fees of $2 via bank transfer or $3 via mobile money per transfer, every time.

How it works

Sign up

Open a free Grey account on your phone in under 5 minutes.

Fund your account

Add money to your USD, EUR, GBP, or Stablecoin balance.

Send XOF

Send to the recipient’s bank account or mobile money details, directly from the app.

Flat fees on every transfer

Most services charge you more the more you send, and bury extra costs in the exchange rate. With Grey, you pay only a flat fee of $2 for bank transfers and $3 for mobile money, whether you’re paying a 1000 XOF bill or 1, 500,000 XOF for a month of contractor work. No percentage markups and no hidden fees.

You send

Grey fees

$100

$500

$1,000

$5,000

$2.99

$3.38

$43.99

Comparison based on publicly available competitor pricing as of September 2026. Competitor fees may change. Exchange rates are live and shown before you confirm your transfer.

With Grey, there are no hidden fees baked into the rate

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How exchange rates work

Grey shows you the live mid-market rate inside the app before you confirm any transfer, displayed openly at the point of sending. You see the exact XOF amount your recipient will get before you tap “Send”.

Transfer limits

Bank transfer

Minimum per transaction

Maximum per transaction

Fee

Speed

1,000 XOF

1,500,000 XOF

Typically same-day

1,000 XOF

1,500,000 XOF

Instant

Send XOF for work, family, and everything in between

Founders and businesses

Paying a supplier in Dakar? Send XOF directly to their bank account or mobile money wallet and keep your invoices settled faster.

Families abroad

If you’re in Marseille, sending support to family in Dakar, or in Barcelona helping out with school fees in Kaolack, you can send XOF to the wallet or bank account they already use.

Companies hiring global talent

A product team in London can pay a contractor in Dakar on a recurring invoice.

Your reasons may be different, but the need is the same: the money has to get there, the fee has to make sense, and the app has to work the same way it did last month.

Send XOF to Senegal

A global money app you can trust

Over 3 million people across 80+ countries use Grey to move money across borders. Your transfers are protected with strict identity verification and two-factor authentication. Every payout is tracked end-to-end. You'll know exactly when the money lands, and so will the recipient. If you have any questions, our support team is one tap away.

Hand with purple nails and bracelet holding phone displaying a digital wallet app with balances and transactions.

Open a free Grey account

Real stories from our global community

Working in an NGO, I often have to deal with various currencies. Grey's virtual account has simplified these transactions immensely. It's a reliable and convenient financial tool, too.

Nneka Bada

NGO facilitator

As a freelancer working with clients globally, Grey’s virtual foreign account has made receiving payments so much easier. No more currency headaches and the fees are surprisingly low!

Imisioluwa Adeyeri

Content Marketer

As someone who’s always on the move, Grey’s virtual foreign account fits my lifestyle perfectly. Easy access to my funds in different currencies, all in one app - it’s brilliant!

Emeka Amadi

Digital Nomad

I regularly deal with clients from different countries, and Grey has simplified my financial transactions incredibly. The ability to handle various currencies without worrying about exchange rates is fantastic.

Sophia Chiedu

IT Consultant

Frequently asked questions

Send XOF now

Can I send money to a Senegalese bank account?

Yes. Grey supports direct XOF payouts to bank accounts across Senegal. You can send between 1,000 XOF and 1,500,000 XOF per transaction.

Can I send XOF to mobile money in Senegal?

Yes. You can send XOF to mobile money wallets on E-Money, Free, Expresso, Orange, Wave, and Wizall Money.

How much does it cost to send money to Senegal with Grey?

Bank transfers cost a flat $2 per transfer, while mobile money transfers cost $3 per transfer, regardless of how much you send. No percentage markups and no hidden fees in the exchange rate. You'll see the live rate before you confirm.

Which Grey balances can I use to send XOF?

You can payout from your USD, EUR, GBP, and Stablecoin balances.

Can I pay Senegalese freelancers and contractors through Grey?

Yes. Grey is built for recurring contractor payments. Pay your Senegalese developers, designers, and freelancers directly in XOF at a flat fee of $2 per bank transfer and $3 per mobile money transfer.

Is Grey a legitimate way to send money to Senegal?

Yes. Grey is a regulated financial technology company used by over three million people across 80+ countries. We work with licensed banking partners, use two-factor authentication on every transfer, and are regulated by FINTRAC in Canada and FinCEN in the US.

How long does it take for the recipient to get an alert?

Mobile money transfers are instant, while bank transfers typically arrive within 24 hours.

What happens if my transfer gets delayed?

Occasional delays can happen on the receiving side, especially during local bank processing windows. You’ll see status updates in the Grey app, and our support team is available in-app or via email.

What documents do I need to sign up on Grey?

A government-issued ID (passport, driver’s license, or national ID) and a phone number for verification. Most accounts are verified the same day.

Which countries can I send XOF from?

You can send XOF to Senegal directly from your Grey account.

Can my family or team in Senegal send me money abroad?

No. XOF payouts are currently supported for Senegalese bank accounts. You can send XOF to Senegal from your USD, EUR, GBP or stablecoin balance in Grey.

Is Grey safe?

Transfers are protected with strict iden verification and two-factor authentication. Every payout is tracked end-to-end. You'll know exactly when the money lands, and so will the person receiving it. If you have any questions, our support team is one tap away.