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Central African CFA francs for someone in Douala
The people sending from Lagos and Abuja to Cameroon tend to know exactly what the recipient needs in Central African CFA francs. A rate that moves between send and settlement breaks that.
Grey fixes the NGN to XAF rate when you confirm and pays into Afriland First Bank, UBA Cameroon, Ecobank Cameroon, Société Générale Cameroun or any Cameroonian bank. Douala is Central Africa's trade gateway, and neighbouring countries move goods and money through it constantly.
How sending to Cameroon works
Sign up
Download Grey, verify with your NIN slip, BVN or international passport, and you're set in a few minutes. Grey works with licensed partners in Nigeria and is registered with the CBN.
Fund
Send naira to your Grey balance by bank transfer from any Nigerian bank. Hold it there, and convert to XAF only when the payment to Douala is due.
Send
Cameroon needs the recipient's bank, branch and account number, which together form their RIB. Enter it, confirm the XAF amount, and send.
The cost of a transfer to Douala
Grey shows one rate, NGN to XAF, and one fee. Both are fixed before you send from Lagos. The amount that reaches Douala matches what you were shown.
What you agree is what arrives
The rate you accept in Lagos is the rate applied. Movements in either currency afterwards don't touch what arrives at Afriland First Bank, UBA Cameroon, Ecobank Cameroon, Société Générale Cameroun.
Formal transfers to Cameroon have historically been so expensive that people carried cash instead. A transparent rate makes the formal route worth using.
What Nigerian senders put up with before
Banks in Cameroon charge receiving fees on international wires and sometimes hold them for review. A payment from Lagos that lands as a domestic XAF credit at Afriland First Bank, UBA Cameroon, Ecobank Cameroon, Société Générale Cameroun clears faster and arrives whole.
What lands at Afriland First Bank
The person in Douala gets what they'd get from a local transfer: XAF credited to their account at Afriland First Bank, UBA Cameroon, Ecobank Cameroon, Société Générale Cameroun. No collection, no code, no receiving fee. Confirmation shows in your app in Lagos at the same time.
Afriland First Bank and the rest
Every bank in Cameroon is covered, from the big names to regional ones.
Domestic credit
Your recipient sees a normal XAF deposit, not an international wire.
Confirmation in Lagos
The app in Nigeria shows settled the moment Douala receives it.
Funding from Nigeria, in practice
Before the XAF reaches Douala, the money has to get onto Grey in Lagos. Nigerians top up in naira by bank transfer from GTBank, Access, Zenith, UBA or any other Nigerian bank, and the balance usually shows within minutes. Anyone paid in dollars by a foreign client can send from that USD balance and skip the naira leg. Convert to XAF when the payment to Douala is due.
From GTBank, Access Bank, Zenith, UBA or First Bank
bank transfer from any Nigerian bank, credited in minutes.
From foreign clients
USD, EUR or GBP paid into Grey converts to XAF in one step.
From GreyTag
Another Grey user in Nigeria or abroad can fund you instantly.
If the XAF amount matters more than the NGN amount, enter the XAF figure first and let Grey work back to what you'll pay.
Who this route is for
Business
Paying Cameroonian staff, agents and freight partners in XAF.
Family support
Monthly transfers to relatives in Douala, Yaoundé, Bamenda and Buea.
Students
Fees at University of Buea, University of Yaoundé and Catholic University of Central Africa.
Trade
Payments for goods moving through the Douala port and the northern border.
Douala is Central Africa's trade gateway, and neighbouring countries move goods and money through it constantly. What they share, from Lagos to Yaoundé, is a payment that repeats and a recipient who needs an exact XAF figure.
What you get on the Cameroon route
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