Trusted by 3M+ people around the world
GOOGLE PLAY •22K REVIEWS
APP STORE • 12K REVIEWS
Ghana to Senegal without the detour
Ghanaians send abroad for study, trade and family. Accra and Kumasi are the main sending hubs. Looking at Dakar, the picture is clear. Dakar trades with the whole West African coast, and the payments behind that trade cross a currency wall into the CFA zone.
Grey converts GHS to XOF in one step and pays into CBAO, Ecobank Senegal, Société Générale Sénégal, Bank of Africa or any other bank in Senegal. Your recipient sees a normal XOF credit and never needs to open a Grey account.
How sending to Senegal works
Sign up
Sign up with a Ghana Card. Approval typically lands before you've finished adding your recipient in Dakar. Grey works with licensed partners in Ghana.
Fund
Fund by bank transfer from any Ghanaian bank or mobile money. Most top-ups credit within minutes, and the GHS sits on Grey until you convert it for Dakar.
Send
Add the recipient's RIB from their CBAO, Ecobank or SGBS statement. Grey shows the XOF they'll receive before you confirm from Accra.
Why the rate matters more than the fee
The XOF figure Grey quotes in Accra is the figure CBAO credits. There's no second conversion on the Senegal side to eat into it.
No adjustments after the fact
The GHS to XOF rate you see at confirmation is the rate applied. If the cedis move between your tap in Accra and settlement in Dakar, your recipient's amount doesn't.
That matters when you've promised a specific figure in CFA francs.
Why Ghana to Senegal deserves a proper rate
Anyone in Kumasi who has sent to CBAO the old way knows this. Senegal sits inside the CFA zone, so every payment crosses a currency wall. The cost of crossing it is the spread, not the distance. Grey gives a sender in Accra a locked rate, a visible fee and a XOF deposit that arrives whole.
Delivered like a local payment
Your recipient receives XOF at CBAO, Ecobank Senegal, Société Générale Sénégal, Bank of Africa or any other Senegalese bank as an ordinary deposit. The transfer shows as settled in your Grey app in Accra at the same moment.
Any Senegalese bank
Enter the account number and bank name. The XOF posts directly to that account.
Save the recipient
Paying the same person every month? Save the details once and resend in three taps.
GreyTag for Grey users
If the person in Dakar is also on Grey, GreyTag moves the money instantly at no cost.
Funding, step by step
Most Ghanaian senders top up in cedis and convert to XOF on the day. Ghanaians topping up in cedis can use MTN MoMo or a bank transfer from GCB, Ecobank or Fidelity. Those paid in dollars by foreign clients can skip the cedi step entirely.
Bank transfer
GCB Bank, Ecobank Ghana, Stanbic, Fidelity Bank or MTN MoMo to your Grey GHS account, usually within minutes.
Foreign earnings
USD from an overseas employer or platform can fund the Senegal transfer directly.
Wallet balance
Convert and send the same minute.
Term fees and rent in Dakar fall on fixed dates. Set a reminder, keep the balance ready, and the transfer from Accra takes under a minute.
Who uses this corridor
Students
Fees and living costs at Université Cheikh Anta Diop and private institutes.
Property and events
Contributions to building projects and family ceremonies paid in CFA francs.
Family support
Monthly contributions to relatives in Dakar, Thiès, Saint-Louis and Touba.
Trade
Payments to suppliers at Sandaga, HLM and Colobane, often weekly.
Ghanaians send abroad for study, trade and family. Accra and Kumasi are the main sending hubs. On the Senegal side, the picture is this. Dakar trades with the whole West African coast, and the payments behind that trade cross a currency wall into the CFA zone.
The case for Grey on this route
Dakar trades with the whole West African coast, and the payments behind that trade cross a currency wall into the CFA zone. Grey exists on this route so that the XOF arriving in Dakar is never a surprise to the person who sent it from Accra.
Senders in Accra see two numbers, fee and rate, before anything moves. XOF then lands in any Senegalese bank.
Get digital banking
at your fingertips
