Send money from Canada to Senegal
Grey converts your balance into West African CFA francs and delivers them to a Senegalese bank account or a mobile wallet. Wave, Orange Money Senegal and Free Money are supported, along with Banque de l'Habitat du Sénégal and Ecobank Senegal. The CFA figure and the fee sit on the screen before you confirm.
CAD
XOF
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Who sends from Canada to Senegal
Most of Senegal's community in Canada lives in Quebec, and that is simply true. What gets overlooked is the rest of it: households in Toronto, Ottawa, Calgary and Edmonton, often built around work in health care, logistics and the trades, where the working language at home and at the office is English.
Alongside them are Canadian senders with no family tie at all. Research institutions, development organizations and small importers pay people and suppliers in Dakar, Thies and Saint-Louis, and they need CFA francs to land in a named account rather than cash to be collected at a counter.
Grey converts once into West African CFA francs and pays either a bank account at Banque de l'Habitat du Sénégal or Ecobank Senegal, or a mobile wallet on Wave, Orange Money Senegal or Free Money. The recipient decides which suits them and you enter the matching detail.
Account, balance, payout
Create the account
A nurse in Ottawa and an importer paying Dakar begin identically: nothing to pay, a valid identity document, and five minutes or so. No Senegalese details are needed to open it.
Hold a balance
US dollars, provided by Lead Bank, pounds or euro. The CFA conversion happens at the moment you send.
Choose bank or wallet
For a bank, the account number. For a wallet, the registered mobile number. Check the CFA total and confirm.
What the transfer costs
The second question on this corridor is which payout you pick. A wallet and a bank account are not the same delivery and they are not priced identically, so agree with your recipient which one they actually use before the first transfer rather than after it.
For a household in Dakar that runs on Wave, the wallet is the practical answer. For a supplier issuing an invoice, the bank account is. Grey does both from the same balance.
One rate, fixed at confirmation
The CFA franc figure Grey shows you is fixed when you confirm. It does not move while the payment is in flight, so the amount you promised is the amount that arrives.
That is worth having on a route where many transfers are the exact cost of something specific: a term of school, a clinic bill, a consignment already loaded.
Grey compared with a Canadian bank wire to Senegal
A Canadian bank will wire to Senegal, but it will not usually quote CFA francs well, and the payment travels through correspondents that can trim it on the way. Wire pricing at the big Canadian banks is a complaint people voice out loud for good cause. Grey sets the CFA amount before you confirm, holds the rate, delivers to a bank account or a wallet, and keeps the transfer trackable from start to settlement. A bank wire cannot pay a Wave wallet at all.
What your recipient in Senegal gets
A standard CFA franc credit, either in their bank account or in their mobile wallet. No Grey account, no collection point, nothing to sign for.
Mobile wallets
Wave, Orange Money Senegal and Free Money. Enter the mobile number the wallet is registered to.
Bank accounts
Banque de l'Habitat du Sénégal, Ecobank Senegal and other Senegalese banks. Enter the account number.
GreyTag
Where both sides use Grey, GreyTag moves money instantly at no cost, in any currency.
Funding your Grey balance in Canada
Interac e-Transfer is a Canadian system and it stops at the Canadian border, so it cannot top up Grey. The balance fills from a client payment, an employer payment or your own transfer.
Invoices you issue
Bill a client in US dollars, pounds or euro and have the payment arrive on Grey rather than in a Canadian chequing account.
Pay from outside Canada
Where your employer is not Canadian, that salary can be paid onto the Grey balance in its own currency.
Your own funds
Transfer money you already hold onto Grey and keep it there until the Dakar payment is due.
Once the balance is funded, the difference between a wallet payment and a bank payment is one field on one screen.
Why money goes from Canada to Senegal
Household support
A regular amount to a parent or sibling, usually into a wallet because that is what the household spends from.
School fees
Termly amounts for children and younger relatives, paid into a bank account where the school requires one.
Suppliers and traders
Payments to businesses in Dakar and Thies against an invoice, where the CFA total has to be exact.
Programme and research payments
Canadian institutions paying field staff, interpreters and local partners in CFA francs on a project schedule.
Four purposes cover most of the volume, and they do not all want the same payout method.
Five reasons to send this way
FAQs
Can Grey send to a Wave wallet in Senegal?
Yes. Wave, Orange Money Senegal and Free Money all receive CFA francs. Enter the mobile number the wallet is registered to.
Which Senegalese banks does Grey pay?
Banque de l'Habitat du Sénégal and Ecobank Senegal are supported, along with other Senegalese banks. Enter the recipient's account number.
Should I send to a wallet or a bank account in Dakar?
Ask your recipient which they use daily. Households usually run on a wallet, while suppliers and schools normally want a bank account.
What currency arrives in Senegal?
West African CFA francs. Your Grey balance converts once, and the XOF total is shown before you confirm the transfer.
Does my recipient in Senegal need a Grey account?
No. The CFA francs arrive as a standard credit in their wallet or bank account, with nothing to collect and nothing to sign.
Can a Canadian organization pay field staff in Senegal?
Yes. CFA francs can be paid into named bank accounts or wallets, with the rate and fee shown before each payment goes out.
Can I fund Grey with Interac e-Transfer for a Senegal transfer?
No. Interac does not cross the Canadian border. The balance is funded by a client, an employer or a transfer you make.
Is the CFA franc amount fixed before sending?
Yes. The rate is fixed when you confirm, so the XOF figure on screen is what reaches Dakar or Saint-Louis.
What do I need for a mobile money payment to Senegal?
The registered mobile number for the Wave, Orange Money Senegal or Free Money wallet, and the recipient's name. Nothing more than that.
Can I track a transfer to Senegal?
Yes. Every transfer is encrypted and visible in the Grey app from confirmation until the CFA francs settle in Senegal.
Which balance should I hold for sending CFA francs?
US dollars provided by Lead Bank, pounds or euro. Each converts to CFA francs in one step at the moment you send.
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