Send money from France to Togo
Sending money from France to Togo? Here's the live rate and a neutral, no-affiliate verdict on which service nets the most onto T-Money or Flooz (Moov), and what your recipient actually keeps after cash-out.
Today's EUR→XOF exchange rate
This is the reference interbank rate — the starting point before each service's fee and margin.
France hosts one of the main Togolese diaspora communities, concentrated in Île-de-France and Lyon. Togo is in the WAEMU zone: the CFA franc (XOF) is pegged to the euro at the fixed 655.957 XOF per €1, so a euro send from France carries no FX risk. On the receive side, money lands on T-Money (Togocom) or Flooz (Moov Africa) — the two active Togolese wallets. Togo charges a 10% tax on operator mobile-money fees (cut from 18% to 10% in 2024) — a recipient-side cost on the fee itself, not on the amount received.
Our verdict: the best way to send France to Togo
Best for the lowest total cost to Togo
Orange Money Europe and Taptap Send: 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 a T-Money or Flooz wallet
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 Togo wallet support
Orange Money Europe delivers to Moov (Flooz) wallets in Togo; Taptap Send and Wise cover bank and wallet; Western Union adds cash pickup. Wave does not yet operate in Togo.
In plain terms: For most people sending France to Togo to a T-Money or Flooz wallet, Orange Money Europe and Taptap Send 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 T-Money or Flooz is free; the only cost is the agent cash-out fee, plus Togo's 10% tax on the operator's fee.
Comparing the services: fees, rates, speed & delivery
| Service | Fee model | Rate | Speed | Delivery | Best for |
|---|---|---|---|---|---|
| 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 |
| Wise | Transparent percentage fee, shown upfront | Mid-market (interbank) rate | Often within ~24h | Bank deposit; some mobile money | Transparency and larger sums |
| 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 |
| Taptap Send | Small flat or percentage fee by route | Solid rates | Minutes | Bank and mobile money | Low-cost app transfers |
| 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 |
| 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 |
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.
Which services reach Togo's mobile wallets
In Togo, mobile money means T-Money or Flooz (Moov) — the table shows what each service actually reaches: wallet, bank account or cash pickup.
| Service | Mobile money T-Money / Flooz | Bank | Cash |
|---|---|---|---|
| Orange Money Europe | ✓ | — | — |
| Wise | ✓ | ✓ | — |
| Remitly | ✓ | ✓ | ✓ |
| Taptap Send | ✓ | ✓ | — |
| LemFi | ✓ | ✓ | — |
| MoneyGram | ✓ | ✓ | ✓ |
What your recipient actually gets in Togo
Cash-out / withdrawal cost
In Togo, receiving on T-Money (Togocom) or Flooz (Moov) is free. The recipient's cost comes at WITHDRAWAL at an agent, charged by amount band. Togo has applied a 10% tax on mobile-money FEES since 2024 (cut from 18%), shown in-app at the time of the transaction — that is a percentage of the operator's fee, not of the amount received. Keeping the money on the wallet to pay avoids both the withdrawal fee and the tax on it.
Receiving to a bank vs a wallet
Togo runs on T-Money (Togocom) and Flooz (Moov Africa) for mobile payments — Flooz is Moov's brand in Togo. The West African CFA franc (XOF) is pegged to the euro at the fixed 655.957 XOF per €1, so a euro send from France carries no FX risk.
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 Togo if your family wants to move it on within the region.
How to send: methods, limits & safety
Delivery methods compared
Mobile money (T-Money or Flooz (Moov)) 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 Togo
Frequently asked questions
Which app is best to send to Togo from France?
How long does a transfer to Togo take?
Is money received taxed in Togo?
Bottom line
Bottom line: for a typical mobile-money send France to Togo, compare Orange Money Europe and Taptap Send 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.