Send money from France to Chad
See today's EUR→XAF rate, compare every service on fees, speed and delivery, and see what your recipient keeps after cash-out fees and taxes — before you send.
Today's EUR→XAF exchange rate
This is the reference interbank rate — the starting point before each service's fee and margin.
Interbank rate updated 5 Jul 03:00 UTC (less than 1h ago)
The CFA franc is pegged to the euro at a fixed 655.957 — a euro send carries no exchange-rate margin.
Calculate for your amount:
The France–Chad corridor is another case of Wise's flat absence (Chad is on its do-not-serve list). On the receive side, money lands on Airtel Money or Moov Money (Moov Africa Tchad, ex-Tigo), which dominate the market. The Central African CFA franc (XAF) is euro-pegged at a fixed 655.957 — no FX margin; the service fee and cash-out are the only real variables.
Our verdict: the best way to send France to Chad
Best for the lowest total cost to Chad
Wave and Orange Money Europe: Wave does not operate in Madagascar and the ariary floats, so compare the FINAL AMOUNT received in two or three apps — the FX margin genuinely matters here, unlike the fixed-peg CFA routes.
Best for speed to an Airtel Money or Moov Money wallet
Wave and Orange Money Europe deliver within minutes, sometimes instantly — their rails are built for direct mobile-wallet deposit.
Best for large transfers and rate transparency
Wise: at the mid-market rate with a transparent percentage fee. For XOF and XAF the EUR-CFA rate is fixed (655.957); for Madagascar (MGA, floating) the FX margin weighs more and Wise stays closest to mid-market.
Best for cash pickup / a recipient without a wallet
Western Union and MoneyGram: their large agent networks allow cash pickup, useful if your family member has no mobile wallet or app.
Best for Chad wallet support
For Madagascar, compare the services reaching MVola, Orange Money and Airtel; see also our dedicated France→Madagascar receive-side page.
In plain terms: For most people sending France to Chad to an Airtel Money or Moov Money wallet, Wave and Orange Money Europe give the best balance of cost and speed; if you're moving a large sum where the exchange rate dominates, Wise; if your recipient needs cash, Western Union and MoneyGram. Either way, receiving is free; the only cost is banded cash-out; the XAF is euro-pegged (655.957).
Comparing the services: fees, rates, speed & delivery
| Service | Fee model | Rate | Speed | Delivery | Best for | Official site |
|---|---|---|---|---|---|---|
| Orange Money Europe | Flat fee by band, shown in the app | EUR-CFA on the peg for XOF/XAF | Instant to Orange/MTN wallets | Orange Money / MTN wallets across 30+ countries | Direct sends to Orange/MTN African wallets | Go to Orange Money Europe → |
| Remitly | Low or zero fee by speed tier | Competitive; promo rates for new users | Instant (Express) to a few days (Economy) | Bank, cash pickup, mobile money | Flexible delivery and cash pickup | Go to Remitly → |
| Taptap Send | Small flat or percentage fee by route | Solid rates | Minutes | Bank and mobile money | Low-cost app transfers | Go to Taptap Send → |
| LemFi | Typically low or zero on core routes | Small markup over mid-market | Instant to minutes | Bank and mobile money | Fast zero-fee app-to-app sends | Go to LemFi → |
| MoneyGram | Variable fee by amount and channel | Margin over mid-market | Flexible, including instant cash | Cash pickup, bank, mobile money | Agent network for cash pickup | Go to MoneyGram → |
Some provider links are referral links, marked sponsored. They never change the figures or the order shown.
Important note: Wave does not operate in Madagascar — it is a West-African (WAEMU-zone) player. For this route, Orange Money Europe and the apps (Taptap Send, Remitly, Wise) are the relevant options; we therefore do not list it here, for accuracy.
Who actually serves this corridor — and why Wise doesn't
Wise does not serve this corridor at all: Chad is on its excluded-countries list (no receive method, bank or mobile money). This is not "coming soon" — it's no. Other services do deliver.
The verified services on this corridor (from the operators' own sites):
Remitly explicitly states it does not serve Chad; the reliable options are Western Union, MoneyGram and Taptap Send.
To rule out (availability-truth): the Wave app is an IN-country mobile-money service, not a send-from-France channel; and Small World ceased trading in June 2024 — don't use it. Exact fees and rates change daily: open the service's app for today's quote before sending.
Which services reach Chad's mobile wallets
In Chad, mobile money means Airtel Money or Moov Money — the table shows what each service actually reaches: wallet, bank account or cash pickup.
| Service | Mobile money Airtel Money / Moov Money | Bank | Cash |
|---|---|---|---|
| Orange Money Europe | ✓ | — | — |
| Remitly | ✓ | ✓ | ✓ |
| Taptap Send | ✓ | ✓ | — |
| LemFi | ✓ | ✓ | — |
| MoneyGram | ✓ | ✓ | ✓ |
What your recipient actually gets in Chad
Cash-out / withdrawal cost
In Chad, money lands on Airtel Money or Moov Money (Moov Africa Tchad, ex-Tigo). Receiving is free; the only cost is banded cash-out. The Central African CFA franc (XAF) is euro-pegged at a fixed 655.957, so no FX margin on a euro send.
Receiving to a bank vs a wallet
Airtel Money and Moov Money dominate mobile money in Chad.
The fixed XAF peg makes the service fee and cash-out decisive.
How to send: methods, limits & safety
Delivery methods compared
Mobile money (Airtel Money or Moov Money) is usually fastest and most convenient to spend. Bank deposit suits larger sums. Cash pickup (agent) gives the widest reach but can cost more on the receive side. Choose by what your family plans to do with the money.
Transfer limits & KYC
Every service requires a verified account (photo ID + address), usually 5-15 minutes the first time. Sending caps apply per transaction and per period, and rise with your verification level. For a first large send, expect extra verification.
Frequently asked questions
Which app is best to send to Chad from France?
How long does a transfer to Chad take?
Is money received taxed in Chad?
Bottom line
Bottom line: for a typical mobile-money send France to Chad, compare Wave and Orange Money Europe first on the final amount received; switch to Wise for large sums, and Western Union and MoneyGram if cash pickup is needed.
We describe each service's published model (fees, rates, speed, delivery) from public information, without reproducing live quotes or marketing copy. Always check the final fee and rate in the app before sending.