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Rwandan francs for someone in Kigali
The people sending from Manila and Cebu to Rwanda tend to know exactly what the recipient needs in Rwandan francs. A rate that moves between send and settlement breaks that.
Grey fixes the USD to RWF rate when you confirm and pays into Bank of Kigali, Equity Bank Rwanda, I&M Bank Rwanda, Cogebanque or any Rwandan bank. Rwanda buys textiles, electronics and machinery from Asia, and Asian firms in Kigali pay local staff and suppliers.
How sending to Rwanda works
Sign up
Verify with your passport or PhilSys ID and Grey issues USD, EUR and GBP account details on the spot. Share those with whoever pays you, then add Kigali. Grey works with licensed partners serving the Philippines.
Fund
Hold your foreign earnings in USD on Grey. When a payment to Rwanda is due, convert exactly that amount to RWF and send.
Send
Enter the recipient's Bank of Kigali, Equity or I&M account number, check the USD to RWF rate, and send from Manila.
The cost of a transfer to Kigali
Grey shows one rate, USD to RWF, and one fee. Both are fixed before you send from Manila. The amount that reaches Kigali matches what you were shown.
What you agree is what arrives
The rate you accept in Manila is the rate applied. Movements in either currency afterwards don't touch what arrives at Bank of Kigali, Equity Bank Rwanda, I&M Bank Rwanda, Cogebanque.
Because Rwanda is small and the amounts are modest, people assume the transfer is cheap. It usually isn't.
What Filipino senders put up with before
Banks in Rwanda charge receiving fees on international wires and sometimes hold them for review. A payment from Manila that lands as a domestic RWF credit at Bank of Kigali, Equity Bank Rwanda, I&M Bank Rwanda, Cogebanque clears faster and arrives whole.
What lands at Bank of Kigali
The person in Kigali gets what they'd get from a local transfer: RWF credited to their account at Bank of Kigali, Equity Bank Rwanda, I&M Bank Rwanda, Cogebanque. No collection, no code, no receiving fee. Confirmation shows in your app in Manila at the same time.
Bank of Kigali and the rest
Every bank in Rwanda is covered, from the big names to regional ones.
Domestic credit
Your recipient sees a normal RWF deposit, not an international wire.
Confirmation in Manila
The app in the Philippines shows settled the moment Kigali receives it.
Funding from the Philippines, in practice
Before the RWF reaches Kigali, the money has to get onto Grey in Manila. Filipino freelancers and BPO contractors receive dollar pay into Grey. That balance sends onward without a peso conversion. Hold the balance in dollars and convert to RWF exactly when the payment to Kigali is due.
Dollar salary
Give your Grey USD details to the employer. Done.
Client invoices
Bill in USD, EUR or GBP to Grey and pay Kigali from the proceeds.
Standing dollars
Hold USD and convert to RWF at the moment you choose.
If the RWF amount matters more than the USD amount, enter the RWF figure first and let Grey work back to what you'll pay.
Who this route is for
Tuition
Fees at ALU, CMU-Africa, University of Rwanda and Mount Kigali University, paid in francs.
Business and NGOs
Paying Kigali-based staff, contractors and suppliers in local currency.
Conferences
Hotel deposits and registration for events at the Kigali Convention Centre.
Family support
Monthly transfers covering rent, food and medical costs for relatives in Kigali and the provinces.
Rwanda buys textiles, electronics and machinery from Asia, and Asian firms in Kigali pay local staff and suppliers. What they share, from Manila to Kigali, is a payment that repeats and a recipient who needs an exact RWF figure.
What you get on the Rwanda route
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