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CFA francs for someone in Dakar
The people sending from Nairobi and Mombasa to Senegal tend to know exactly what the recipient needs in CFA francs. A rate that moves between send and settlement breaks that.
Grey fixes the KES to XOF rate when you confirm and pays into CBAO, Ecobank Senegal, Société Générale Sénégal, Bank of Africa or any Senegalese bank. Dakar trades with the whole West African coast, and the payments behind that trade cross a currency wall into the CFA zone.
How sending to Senegal works
Sign up
Download Grey, verify with your national ID or passport, and you're set in a few minutes. Grey works with licensed partners in Kenya.
Fund
Send shillings to your Grey balance by M-Pesa or bank transfer. Hold it there, and convert to XOF only when the payment to Dakar is due.
Send
For Senegal you'll need the recipient's RIB, the 24-character bank identifier every Senegalese account has. Paste it in, check the XOF amount, send.
The cost of a transfer to Dakar
Grey shows one rate, KES to XOF, and one fee. Both are fixed before you send from Nairobi. The amount that reaches Dakar matches what you were shown.
What you agree is what arrives
The rate you accept in Nairobi is the rate applied. Movements in either currency afterwards don't touch what arrives at CBAO, Ecobank Senegal, Société Générale Sénégal, Bank of Africa.
Senegal sits inside the CFA zone, so every payment crosses a currency wall. The cost of crossing it is the spread, not the distance.
What Kenyan senders put up with before
Banks in Senegal charge receiving fees on international wires and sometimes hold them for review. A payment from Nairobi that lands as a domestic XOF credit at CBAO, Ecobank Senegal, Société Générale Sénégal, Bank of Africa clears faster and arrives whole.
How it lands in Dakar
The person in Dakar gets what they'd get from a local transfer: XOF credited to their account at CBAO, Ecobank Senegal, Société Générale Sénégal, Bank of Africa. No collection, no code, no receiving fee. Confirmation shows in your app in Nairobi at the same time.
CBAO and the rest
Every bank in Senegal is covered, from the big names to regional ones.
Domestic credit
Your recipient sees a normal XOF deposit, not an international wire.
Confirmation in Nairobi
The app in Kenya shows settled the moment Dakar receives it.
Funding from Kenya, in practice
Funding from Mombasa for a transfer to Dakar works like this. Kenyans top up by M-Pesa or bank transfer from KCB, Equity or Co-operative Bank. Nairobi's dollar-earning tech and NGO workforce can send from USD directly. Convert to XOF when a payment to CBAO is due, not before.
Top up once
Move a month's worth of shillings in and send to Dakar as needed.
Earn in foreign currency?
Send from that balance and avoid a double conversion.
Convert on the due date
Hold shillings, convert to XOF when the payment is actually due.
If the XOF amount matters more than the KES amount, enter the XOF figure first and let Grey work back to what you'll pay.
Who this route is for
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.
Students
Fees and living costs at Université Cheikh Anta Diop and private institutes.
Three kinds of sender use this route from Nairobi: families with someone in Dakar, parents of students, and businesses with a supplier or contractor in Senegal. Dakar trades with the whole West African coast, and the payments behind that trade cross a currency wall into the CFA zone.
What Grey does differently on this route
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