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.
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An online money transfer service with cash pickup, bank account to bank account and airtime transfers available.
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.
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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:
Charles sends money from Australia to Togo
Charles is working in Australia for a couple of years but wants to send part of his income back home to support his family in Togo. He decides it will be too expensive to transfer the funds via his Australian bank, so he compares the services of an online transfer service and a well-known money transfer company that allows cash pick-up by the recipient.
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.
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.
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.
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.
Togo11, Aveue du 24 Janvier BP Lome-Togo Open Monday to Friday 7am to 12pm, Saturday 7:30am to 12:30pm+228-2216221
Banque Populaire Pour L'epargne Et Le Credit
Face Commissariat d'Agoe nyive Open Monday to Friday 7:30am to 12pm, 2:30pm to 4pm
Du Togo Route Internationale No. 1 Open Monday to Friday 7am to 12pm, 2:30pm to 5pm, Saturday 7:30am to 12:30pm
Pya La Poste
Du Togo Quartier Akei Open Monday to Friday 7am to 12pm, 2:30pm to 5pm, Saturday 7:30am to 12:30pm
2554 Route De Kpalime Face Pharmacie Bet Lome, Golfe +228-22257473 Open Monday to Friday 7:45am to 5pm, Saturday 9am to 1pm
Agoe Assiyeye Route De Mission Tove Stat Lome, Golfe +228-22513555 Open Monday to Friday 7:45am to 5pm, Saturday 9am to 1pm
Sokode Nationale No 1 A Cote De Hotel Central Sokode, Centrale 904 +228-25500852 Open Monday to Friday 7am to 4pm, Saturday 7am to 12pm
Sur La Route De Bassar Non Loin Des Affaires Sociales Sokode, Region Centrale +228-25-510130 Open Monday to Friday 7am to 6pm, Saturday 8am to 2pm
FUCEC - Lome
Avenue Maturite Be Avenue Augustino De Souza Lome 22203176 Open Monday to Friday 7:30am to 4pm, Saturday 9am to 2:30pm
Quartier Nukafu Boulevard Jean Paul II Imm Salam Lome 22618662 Open Monday Friday 7:45am to 5pm, Saturday 8am to 4pm
Quartier Administratif Sokode 25500852 Open Monday to Friday 7am to 6pm, Saturday 8am to 2pm
Route Nationale N1 Sokode, 3451 25501614 Open Monday to Friday 7:30am to 4pm, Saturday 9am to 2:30pm
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.
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.
Shirley Liu is Finder's global program manager. She was previously the publisher for banking and investments and has also written comparisons for energy, money transfers, Uber Eats and many other topics. Shirley has a Master of Commerce and a Bachelor of Media, Journalism and Communications from the University of New South Wales. She is passionate about helping people find the best deal for their needs.
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