Send money to Togo inexpensively

Here's how to transfer money from Australia to Togo without being charged with hefty bank fees

If you’re originally from Togo and currently living in Australia, you may find that you need to send some money back home. Perhaps you need to repay debts in Togo, or you simply want to send some funds to support your family. Alternatively, you might have a relative travelling in West Africa who finds themselves in urgent need of money, perhaps due to losing their wallet.

Whatever your particular circumstances may be, it’s entirely possible to send money to Togo from Australia. In fact, it’s easier and more affordable than ever before to send money overseas. There are several transfer options to choose from, so read on to find out which one best suits your needs.

International Money Transfer Offer

OFX (Ozforex) International Money Transfers

• Large range of currencies
• Online and phone transfers
• Regular payments available

International Money Transfer Offer

Transfer any amount from $250 upwards. $0 transfer fee on transfers over AU$10,000, $15 flat fee applies otherwise. 24-hour customer service available with a local support team.

• Minimum transfer amount: $250
• Online transfer fee: $0

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Compare money transfer options to Togo

The table below can be used to compare products and services which allow you to send money to Togo. Use the table headings to sort through products based on fees, minimum transfer amount and more. If you're interested in finding out more about a product, click on the "More" button to read a review. Alternatively, if you're ready to register an account with the provider, click "Go to Site" to be taken to them securely.

Transfer amount

Currency exchange

AUD: Australia USD: United States EUR: European Union GBP: United Kingdom JPY: Japan CNY: China NZD: New Zealand HKD: Hong Kong INR: India SGD: Singapore AED: United Arab Emirates BDT: Bangladesh CAD: Canada CHF: Switzerland CZK: Czech Republic DKK: Denmark FJD: Fiji HUF: Hungary IDR: Indonesia ILS: Israel IQD: Iraq KES: Kenia KHR: Cambodia LKR: Sri Lanka MXN: Mexico NGN: Nigeria MYR: Malaysia NOK: Norway NPR: Nepal PHP: Phillipines PKR: Pakistan PLN: Poland SEK: Sweden THB: Thailand UGX: Uganda VEG: Venezuela VND: Vietnam ZAR: South Africa

AUD: Australia USD: United States EUR: European Union GBP: United Kingdom JPY: Japan CNY: China NZD: New Zealand HKD: Hong Kong INR: India SGD: Singapore AED: United Arab Emirates BDT: Bangladesh CAD: Canada CHF: Switzerland CZK: Czech Republic DKK: Denmark FJD: Fiji HUF: Hungary IDR: Indonesia ILS: Israel IQD: Iraq KES: Kenia KHR: Cambodia LKR: Sri Lanka MXN: Mexico NGN: Nigeria MYR: Malaysia NOK: Norway NPR: Nepal PHP: Phillipines PKR: Pakistan PLN: Poland SEK: Sweden THB: Thailand UGX: Uganda VEG: Venezuela VND: Vietnam ZAR: South Africa

Calculate

		Description	Min. Transfer Amount	Transfer Speed	Services	Online Transfer Fee	Rate	Amount Received
	OFX (Ozforex) International Money Transfers	Transfer any amount from $250 upwards. $0 transfer fee on transfers over AU$10,000, $15 flat fee applies otherwise. 24-hour customer service available with a local support team.	AUD 250	1 day	Online, Phone, Agent				Go to site More
	Citibank Plus Everyday Account	A transaction account with free transfers to any country and no foreign transaction or international ATM withdrawal fees.	AUD 10	Same day	Online, Phone, Agent, Bank Account to Bank Account				More
	WorldRemit International Money Transfers	An online money transfer service with cash pickup, bank account to bank account and airtime transfers available.	AUD 0	Within an hour	Online, Bank Account to Bank Account, Cash Transfer				Go to site More

Banks vs money transfer companies

The currency in Togo is the West African CFA franc. As this is something of a rare currency in global terms, this can influence your money transfer options. The majority of Australian banks will require you to send another currency to Togo, for example US Dollars or Euros. The recipient’s bank in Togo will then be able to convert those funds into local money.

It will also be a little more difficult to find an online money transfer service that accepts this currency than it would for other currencies, though some providers such as OFX will allow you to transfer West African CFA francs.

Another option is to use a company such as WorldRemit, Western Union or MoneyGram to send your money. You can make a payment online using a debit or credit card, and your recipient can then pick up their funds from an agent location in Togo.

To get a better understanding of the different costs involved, consider the following example:

How to compare transfer companies when transferring money to Togo

Charles’ example shows that you can save a lot of money by comparing your money transfer options. Different money transfer companies offer different fees, exchange rates and pick-up methods, so consider the following features when deciding how to send money:

• Exchange rates. Compare the exchange rates offered by each service. Keep an eye out for the fact that some companies will offer a better exchange rate to attract business, but will then charge you higher fees. Remember to consider the exchange rate in conjunction with other features.
• Fees. Many providers will waive a transfer fee if you send more than a certain amount of money. If you don’t exceed this amount, you’ll have to pay a charge for the privilege of transferring money.
• Pick-up methods. Some companies only deal in electronic transfers, while others will allow cash to be picked up from an agent location in Togo.
• Speed of transfers. How long until your money can be accessed in Togo? For emergency transfers, look for a company that offers the fastest possible turnaround times.
• Transfer methods. Can you send funds online, over the phone or by visiting a branch? Does the transfer fee change depending on which method you use.
• Minimum amounts. Many companies will require you to transfer a minimum amount in order to use their services. This minimum limit could be as high as $1,000, so look for a company that suits your needs.
• Customer service. Look for a company that has an excellent reputation for customer service, with both telephone and live chat support options available.

How to send money to Togo from Australia

As CFA francs are not a commonly traded currency on a global scale, as mentioned above, it may not be possible to transfer Australian Dollars into CFA francs via your bank. With this in mind, a money transfer service may be able to transfer your money for a cheaper price. Companies you can use include:

• OFX. Transfers to Togo with OFX are conducted electronically.
• WorldRemit. This company offers transfers to Togo online to be picked up as cash.
• Western Union. Use Western Union and your funds can be picked up in Togo at a Western Union branch.
• MoneyGram. Use MoneyGram and your funds can be picked up at a MoneyGram branch in Togo.

Emergency cash transfers in Togo

There are some situations where you need to transfer funds urgently, such as if you have a relative travelling through Togo who has had their wallet stolen.

When you make an emergency transfer, double check the exact exchange rate you are being offered and familiarise yourself with any fees that may apply. You want as much of your money as possible to make it to your recipient, so examine these features closely.

In addition, search for a money transfer provider that offers quick turnaround times, as well as store locations where your recipient can pick up their cash. Having the money within a few minutes instead of waiting 24 hours can often make a huge difference.

Finally, if your wallet is stolen while you’re travelling around Togo, see if your travel insurance or credit card provider can offer emergency cash in such situations. You’ll also need to report the theft to the police and get a written copy of any report.

Cash pickup locations in Togo

If you transfer funds to Togo via either Western Union or MoneyGram, here are some details of each company’s most popular cash pick-up locations. For large transfers, phone ahead to ensure the branch in question will have enough cash on hand to hand over to you. You’ll typically need to provide a reference number, transfer details and some identification when picking up cash.

Tips for picking up cash in Togo

The Department of Foreign Affairs and Trade had not issued travel advice for Togo at the time of writing.

However, you need to take care when picking up cash from an agent location. Take a friend with you for extra security and don’t publicise the fact that you’re picking up a large sum of cash. Avoid any questionable areas of town and try to deposit the funds into your bank account as soon as possible.

How to send money to Togo

As you can see above, you have ample options to consider when you need to send money to Togo.

You may have to satisfy different eligibility requirements depending on which service you opt to use, such as supplying your contact details and proof of identification. Some companies offer instant money transfers. However, if the process will take a few days, you will typically be given some sort of tracking number so that you can monitor the progress of your transaction.

Transferring money to Togo need not be overly complicated or expensive. In fact, the process is quite simple and hassle-free. However, make sure to compare the services offered by different money transfer services to discover which company will be the best for your financial situation.