Send money from the Netherlands to Senegal
The Amsterdam to Dakar route has a specific shape. The Senegalese diaspora in Europe is one of the largest in West Africa. Transfers home are frequent, fixed and long-running. Grey handles the conversion in Amsterdam and delivers XOF to CBAO or any other Senegalese bank.
EUR
XOF
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Amsterdam to Dakar, in one conversion
The Senegalese diaspora in Europe is one of the largest in West Africa. Transfers home are frequent, fixed and long-running. For senders in Amsterdam, the practical question is simple: how much lands, and when.
Grey answers both before you confirm. EUR converts to XOF once, the fee is shown separately, and the money reaches CBAO, Ecobank Senegal, Société Générale Sénégal, Bank of Africa as a normal deposit. Dutch senders fund by SEPA or iDEAL from ING, ABN AMRO, Rabobank or bunq. The euro balance waits on Grey until the transfer is due.
How sending to Senegal works
Sign up
Open the app, scan your passport or residence permit, take a selfie. Most accounts in the Netherlands are approved within minutes. Grey works with regulated partners in the EU.
Fund
Top up in euros by SEPA or iDEAL transfer from any Dutch bank. If you're paid in foreign currency, that balance can fund the transfer directly.
Send
Add the recipient's RIB from their CBAO, Ecobank or SGBS statement. Grey shows the XOF they'll receive before you confirm from Amsterdam.
The real price of CFA francs from the Netherlands
One conversion, EUR to XOF, with the rate and fee disclosed before you send from Amsterdam. Senegal sits inside the CFA zone, so every payment crosses a currency wall. The cost of crossing it is the spread, not the distance.
Locked at confirmation
A rate that holds means you can promise someone in Dakar an exact XOF figure and know it will arrive. 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 fixes EUR to XOF at the tap, every time, from Amsterdam or anywhere else in the Netherlands.
Why domestic delivery matters in Senegal
Anyone in Amsterdam who has wired money to Dakar the old way knows the feeling of not knowing what landed. 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 arrives in Senegal
A standard XOF deposit into an account at CBAO or any other bank in Senegal. It appears as a local transfer on their statement. No Grey account needed on their side, only on yours in Amsterdam.
Account credit, not pickup
XOF goes into the account at CBAO, Ecobank Senegal, Société Générale Sénégal, Bank of Africa. No queue, no agent.
Reuse the details
Save the Dakar recipient and every later transfer is three taps.
Track from Amsterdam
Pending, converted, delivered: each stage shows in the app.
Before you send
Before the XOF reaches Dakar, the money has to get onto Grey in Amsterdam. Dutch senders fund by SEPA or iDEAL from ING, ABN AMRO, Rabobank or bunq. The euro balance waits on Grey until the transfer is due. Convert to XOF when the payment to Dakar is due.
From ING, ABN AMRO, Rabobank, bunq or any Dutch bank
euros credited in minutes.
From abroad
USD, EUR or GBP straight to XOF.
From Grey
GreyTag balances are ready to send to Senegal immediately.
Save the recipient in Dakar once and a repeat transfer from Amsterdam takes three taps.
What the money is for
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.
Property and events
Contributions to building projects and family ceremonies paid in CFA francs.
Seen from Amsterdam, the corridor looks like this. The Senegalese diaspora in Europe is one of the largest in West Africa. Transfers home are frequent, fixed and long-running. From Amsterdam, the money tends to go to specific bills with specific due dates.
Grey on the Netherlands to Senegal, in three points
Between Amsterdam and Dakar, the problem is well known. 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's fixed rate and visible fee exist so nothing about the transfer from Amsterdam is left to chance.
One conversion from EUR in Amsterdam, rate locked, XOF delivered to CBAO, Ecobank Senegal, Société Générale Sénégal, Bank of Africa or any other bank in Senegal.
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