🇳🇬 → 🇹🇬
Send Money from Nigeria to Togo via MTN MoMo
MTN MoMo PSB Nigeria → TMoney / Flooz Togo
How much does it cost to send money from Nigeria to Togo in 2026?
Via MTN MoMo, expect about 3% in fees. The recipient gets XOF. Because NGN and XOF both go through the US dollar, the real cost also includes each currency's spread to USD — see the USD-anchored rates below, not just the fee.
Today's rate
Updated 19 Jul 2026, 03:00 UTC
1 XOF = 2.38 NGN
Both currencies vs the US dollar
NGN official
1 USD = 1,380.14 NGN
XOF official
1 USD = 573.31 XOF
₦10,000 = FCFA4,154
1 XOF = 2.41 NGN · derived from the two USD legs
Interbank rate updated 19 Jul 03:00 UTC (less than 1h ago) · interbank mid-market
Why it costs more than the fee: NGN and XOF both price through the US dollar — there is no deep direct NGN/XOF market. So the route's true cost includes each currency's spread to USD: you can lose a little on BOTH conversions, not just on the visible transfer fee. Compare the USD-anchored rates above, not only the headline fee.
Nigeria's NGN on the parallel market
P2P updated 16h agoNigeria's NGN trades at roughly a 1.8% premium on the parallel market — at the street rate your NGN is worth less against the dollar than the official rate above suggests, so the real route cost can be higher. See the Nigeria parallel rate →
P2P signal: last median 18 Jul 2026, 11:00 (16h ago) — may be slightly delayed. Premium % is the last known value; the quote still tracks the live official rate.
Rates & fees in this route
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Bill in XOF with the NGN equivalent at today's rate, and see the real mobile-money cash-out cost - free, no signup.
How much are you sending?
NGN
Enter an amount above to see fees and what your recipient gets
Rate updated: 19 Jul 2026, 03:00 UTC · Indicative rate
MTN MoMo fee
3% of amount sent
Paid by sender
Fee examples (NGN → XOF)
| Send (NGN) | Fee (NGN) | Recipient ~ (XOF) |
|---|---|---|
| 10,000 | 300 (3%) | 4,084 |
| 50,000 | 1,500 (3%) | 20,419 |
| 100,000 | 3,000 (3%) | 40,837 |
| 200,000 | 6,000 (3%) | 81,674 |
How to send from Nigeria to Togo
- Open the MoMo PSB app → menu "Transfer to Africa".
- Or dial
*671#→ Transfer → International. - Select Togo, enter the recipient's mobile number.
- Enter the amount in NGN. Confirm with your PIN.
- Instant settlement — the recipient gets an SMS and XOF in their wallet.
⚠️ Tier 2/3 wallet required: Tier 1 wallets cannot send internationally. Upgrade by linking your BVN in the MoMo app settings. Tier 2: ₦200,000/day, Tier 3: ₦5,000,000/day.
Key fact: Nigeria-Togo trade corridor runs through Cotonou port. MTN MoMo Nigeria connects to TMoney and Flooz wallets in Togo, enabling direct wallet-to-wallet transfers.
Frequently Asked Questions
What is the fee for sending money from Nigeria to Togo via MTN MoMo?+
MTN MoMo charges 3% of the amount sent. The recipient pays nothing.
What wallet tier do I need to send money internationally from Nigeria?+
Tier 2 or Tier 3 only. Tier 1 wallets are restricted. Link your BVN to upgrade.
How do I send money from Nigeria to Togo on MoMo PSB?+
Open the MoMo app → "Transfer to Africa" → select Togo → enter recipient phone → confirm. Or dial *671# and follow prompts.
What are the daily limits for international transfers on MoMo PSB?+
Tier 2: ₦200,000/day. Tier 3: ₦5,000,000/day.
How long does it take for money to arrive?+
Transfers are instant — the recipient gets an SMS as soon as the transaction completes.