Send money from Nigeria to Senegal
Every month, Nigerian households and businesses move NGN into CFA francs for someone in Dakar. Dakar trades with the whole West African coast, and the payments behind that trade cross a currency wall into the CFA zone. Grey quotes the rate, fixes it, and pays the bank directly.
NGN
XOF
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Getting XOF to Senegal from Nigeria
Seen from Lagos. Dakar trades with the whole West African coast, and the payments behind that trade cross a currency wall into the CFA zone. Most banks in Nigeria either won't quote XOF or route it through a second currency, adding a spread nobody discloses.
Grey quotes NGN to XOF directly for senders in Lagos and Abuja. The XOF lands at CBAO, Ecobank Senegal, Société Générale Sénégal, Bank of Africa or any Senegalese bank as a domestic deposit. Nothing to install on the receiving side.
How sending to Senegal works
Sign up
Grey asks for a NIN slip, BVN or international passport and nothing else to open. Add Dakar as a destination straight after. Grey works with licensed partners in Nigeria and is registered with the CBN.
Fund
Any NGN top-up works: bank transfer from any Nigerian bank. Regular senders to Dakar usually keep a small balance ready.
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.
What the fee doesn't tell you
Grey does one conversion, NGN to XOF, and shows it. What lands at CBAO, Ecobank Senegal, Société Générale Sénégal, Bank of Africa is what was on screen in Lagos.
The XOF figure doesn't move
Whatever the market does after you tap send in Lagos, the XOF amount arriving at CBAO is fixed.
For a bill with a due date in Dakar, this removes the guesswork.
The old way to Dakar, and why it costs more
Ask a bank in Lagos to send CFA francs and you'll often be told to send dollars instead. Senegal sits inside the CFA zone, so every payment crosses a currency wall. The cost of crossing it is the spread, not the distance.
On the receiving side
XOF into any bank account in Senegal. CBAO and CBAO, Ecobank Senegal, Société Générale Sénégal, Bank of Africa are all supported, and the credit looks domestic. The sender in Lagos sees the same settlement confirmation in the app.
Bank delivery
XOF to CBAO and any other bank in Senegal.
Repeat recipients
Store a recipient once. Every future payment is three taps.
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Both on Grey? GreyTag delivers instantly with no fee.
Getting money onto Grey in Nigeria
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. Then Dakar is a conversion and a tap.
bank transfer from any Nigerian bank
The standard route from GTBank, Access Bank, Zenith, UBA or First Bank.
Dollars from abroad
Skip the NGN leg by sending from a USD balance.
Leftover balance
Whatever's on Grey converts to XOF instantly.
Sending to CBAO for the first time? Check the account details twice. After that, Grey remembers them.
The people behind Nigeria to Senegal transfers
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.
Family support
Monthly contributions to relatives in Dakar, Thiès, Saint-Louis and Touba.
For senders in Lagos and Abuja, the Dakar side matters most. Dakar trades with the whole West African coast, and the payments behind that trade cross a currency wall into the CFA zone. From Lagos and Abuja, the senders are a mix of families, students' parents and businesses.
Why Grey for Nigeria to Senegal
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