Send money from France to Senegal
See today's EUR→XOF 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→XOF exchange rate
This is the reference interbank rate — the starting point before each service's fee and margin.
Interbank rate updated 30 Jul 15:00 UTC (3h 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:
France is the number-one origin of the Senegalese diaspora, and the France→Senegal route is one of West Africa's largest. It is Wave's original home turf, where it drove down fees on Senegalese wallets. The CFA franc (XOF) is pegged to the euro at the fixed 655.957, so a euro send carries no FX-rate risk: the cost variables are the send fee and the cash-out cost.
Our verdict: the best way to send France to Senegal
Best for the lowest total cost to Senegal
Wave and Orange Money Europe: Senegal is Wave's home market, where zero up-front fee to the wallet became the norm; the send is at the fixed EUR-XOF rate, which frequently nets the highest final amount. Check the total in the app.
Best for speed to a Wave or Orange 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 Senegal wallet support
Wave and Orange Money Europe deliver straight to Wave, Orange Money and Free Money wallets — Wave's home turf; Western Union and MoneyGram add cash pickup.
In plain terms: For most people sending France to Senegal to a Wave or Orange 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 on Wave or Orange Money is free; the recipient only pays the agent cash-out fee when withdrawing.
Comparing the services: fees, rates, speed & delivery
| Service | Fee model | Rate | Speed | Delivery | Best for | Official site |
|---|---|---|---|---|---|---|
| Wave | Often zero up-front fee on West African wallets | EUR-XOF on the fixed peg; tight margin | Instant to a Wave/Orange wallet | Mobile wallet focused (Senegal, Côte d'Ivoire…) | Francophone leader: low-cost wallet sends | Go to Wave → |
| 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 → |
| Wise | Transparent percentage fee, shown upfront | Mid-market (interbank) rate | Often within ~24h | Bank deposit; some mobile money | Transparency and larger sums | Go to Wise → |
| 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.
Francophone specifics: Wave and Orange Money Europe were built for these routes. Wave drove down fees on West-African wallets, and Orange Money Europe links straight to Orange/MTN wallets across 30+ countries — an edge generic apps do not have.
Wave or Orange Money to receive in Senegal?
The key receive-side point: with Wave, both deposit AND withdrawal are FREE — Wave's 1% is the SEND fee, not the cash-out. So a recipient on Wave keeps the full amount and pays nothing to withdraw. With Orange Money, cash-out follows Orange's withdrawal grille — compare it against Wave's free withdrawal.
Orange Money Europe sends EUR → XOF on the fixed peg (655.957), fee shown in-app, straight to an Orange wallet. Dated promo: Orange Money Europe is running "0€ send fees for 2 months" for new registrants — registration open 1 May to 31 August 2026 (live as of today; the registration window closes 31 August 2026). An FX margin and a possible cash-out fee can still apply. Orange Money Europe: fees and limits →
Tax anchor: Senegal levies NO government tax on receiving a mobile-money transfer — the only recipient-side cost is the operator's cash-out fee (zero on Wave).
Which services reach Senegal's mobile wallets
In Senegal, mobile money means Wave, Orange Money or Free Money — the table shows what each service actually reaches: wallet, bank account or cash pickup.
| Service | Mobile money Wave / Orange Money | Bank | Cash |
|---|---|---|---|
| Wave | ✓ | — | — |
| Orange Money Europe | ✓ | — | — |
| Wise | ✓ | ✓ | — |
| Remitly | ✓ | ✓ | ✓ |
| Taptap Send | ✓ | ✓ | — |
| LemFi | ✓ | ✓ | — |
| MoneyGram | ✓ | ✓ | ✓ |
What your recipient actually gets in Senegal
Cash-out / withdrawal cost
In Senegal, receiving on Wave or Orange Money is free. Wave is known for zero-fee wallet-to-wallet transfers; the recipient's cost shows up at cash WITHDRAWAL at an agent, charged by amount band. Any local money-transfer levy is shown in the app at the time of the transaction — verify it live. Keeping the money on the wallet to pay merchants and bills avoids the withdrawal fee.
Receiving to a bank vs a wallet
In Senegal, mobile money mostly means Wave and Orange Money (and Free Money). Several services deposit straight to those wallets; otherwise the recipient can receive into a bank account.
Since 30 September 2025, BCEAO's PI-SPI system has made individual wallet-to-wallet transfers within the WAEMU zone free and instant — handy once the money lands in Senegal if your family wants to move it on within the region.
How to send: methods, limits & safety
Delivery methods compared
Mobile money (Wave, Orange Money or Free 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.
Other routes to Senegal
Frequently asked questions
Which app is best to send to Senegal from France?
How long does a transfer to Senegal take?
Is money received taxed in Senegal?
Bottom line
Bottom line: for a typical mobile-money send France to Senegal, 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.