Send money from Ghana to Togo
See today's GHS→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 GHS→XOF exchange rate
This is the reference interbank rate — the starting point before each service's fee and margin.
Interbank rate updated 2 Aug 00:00 UTC (5h ago)
The CFA franc is pegged to the euro (fixed 655.957) — the moving side of this rate is the GHS.
Calculate for your amount:
The Ghana–Togo route is an INTRA-AFRICAN neighbour route (Accra-Lomé is a historic trade axis) and the two countries share the famous Aflao border. For Ghanaians with an MTN MoMo wallet, the most direct rail is MTN MoMo Cross-Border when the Togolese recipient is also on MTN — wallet-to-wallet, instant, at MTN's send fees. For Flooz (Moov Togo), apps like NALA, Sendwave or Taptap Send take a cedi debit and deliver to Flooz. Ghana's 1% e-levy was repealed in April 2025; Togo charges 10% on operator fees on the cash-out side.
Sending from Ghana: how it works from MTN MoMo or a bank account
From Ghana, sends start from MTN MoMo (the dominant wallet), Telecel Cash or AT Money, or from a Ghanaian bank account via GhIPSS. For the Ghana → Togo route, the most direct rail is MTN MoMo Cross-Border when both ends are on MTN — wallet-to-wallet, instant, at MTN's send fees. For non-MTN wallets in Togo (T-Money / Flooz), apps like NALA, Sendwave or Taptap Send accept the cedi debit and deliver to Flooz. Ghana's 1% e-levy was repealed in April 2025 — no state tax applies to your MoMo send today.
Ghanaian providers are supervised by the Bank of Ghana (BoG) under the Payment Systems and Services Act 2019; EMIs and MoMo operators are licensed separately. For sends to Togo, wallet signup uses your Ghana Card. The cedi is managed more steadily than the naira but drifts against other African currencies — still compare the FINAL AMOUNT received for your exact amount.
Our verdict: the best way to send Ghana to Togo
Best for the lowest total cost to Togo
MTN MoMo Cross-Border and NALA: funding from MTN MoMo costs the domestic MoMo send fee, and the 1% e-levy was repealed in April 2025 — so no state tax piles on top. The apps that waive the up-front fee and keep the tightest rate margin net the most, especially as it lands on T-Money (Togocom) or Flooz (Moov) at the fixed EUR-XOF rate (655.957), often within minutes.
Best for speed to a T-Money or Flooz wallet
MTN MoMo Cross-Border (instant, MTN-to-MTN) and Sendwave: MTN MoMo Cross-Border delivers instantly when both ends are on MTN; otherwise the intra-African app lands in minutes, and it lands on T-Money (Togocom) or Flooz (Moov) at the fixed EUR-XOF rate (655.957), often within minutes — so a send can complete end to end in minutes.
Best for large transfers and rate transparency
Wise: the cedi is steadier than the naira but drifts against other African currencies, so still compare the final amount for your exact send.
Best for cash pickup / a recipient without a wallet
Western Union: agent cash pickup is still common; keeping the money on the wallet avoids Togo's 10% tax on fees, but their agent networks pay out cash if your recipient has no wallet.
Best for Togo wallet support
MTN MoMo Cross-Border is the direct MTN Ghana → MTN Togo rail when both ends are on MTN — instant wallet-to-wallet; for Flooz (Moov Togo), NALA, Sendwave and Taptap Send take the cedi debit.
In plain terms: Because funding from MTN MoMo costs the domestic MoMo send fee, the right pick from Ghana to Togo mostly comes down to your amount: MTN MoMo Cross-Border and NALA for the lowest cost, Wise when the FX margin dominates on a large send, Western Union if your family has no wallet. Either way, it lands on T-Money (Togocom) or Flooz (Moov) at the fixed EUR-XOF rate (655.957), often within minutes, and 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 | Official site |
|---|---|---|---|---|---|---|
| MTN MoMo Cross-Border | MTN-set cross-border send fees | MTN-set rate for the cross-border leg | Instant wallet-to-wallet across MTN markets | Direct from MTN MoMo Ghana to MTN-network wallets | Direct MTN rail when both ends are on MTN | — |
| NALA | Low flat fee; intra-Africa focus | Tight margin on GHS → XOF wallets | Minutes to destination wallet | T-Money, Flooz, MTN MoMo | Intra-Africa app with cedi-origin support | Go to NALA → |
| Sendwave | Usually zero up-front fee | Earns on the rate margin | Minutes to mobile money | Mobile money focused | Fast wallet delivery on intra-West-African routes | Go to Sendwave → |
| Taptap Send | Small flat or percentage fee | Solid rates on the GHS → XOF leg | Minutes | Bank and mobile money | Low-cost app transfers | Go to Taptap Send → |
| Western Union | Variable fee by amount and channel | Wider rate margin | Flexible, including instant cash | Agent network: cash, bank, mobile | Cash pickup reach in West Africa | Go to Western Union → |
Some provider links are referral links, marked sponsored. They never change the figures or the order shown.
Ghana → Togo: which rail actually works?
Togo is NOT live on PAPSS (Ghana is). And be careful with the MTN rail: Togo appears among MTN's cross-border destination countries, but Togo's own mobile-money operators are Mixx by Yas (ex-T-Money) and Moov Money (Flooz) — NOT MTN, which has no network in Togo. We could not confirm at operator level that a Ghana MTN MoMo user can send wallet-to-wallet to a Togo wallet, or which one receives it — verify in the MTN app before relying on it.
Reliable rails: Western Union, MoneyGram and Ria for cash; the Aflao border is the busiest Ghana–Togo crossing. The cedi floats while the XOF is euro-pegged at a fixed 655.957, so the GHS → XOF margin is the cost variable. On the receive side, money lands on Mixx by Yas or Moov Money (Flooz), plus Togo's 10% tax on the operator's fee.
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 |
|---|---|---|---|
| MTN MoMo Cross-Border | ✓ | — | — |
| NALA | ✓ | ✓ | — |
| Sendwave | ✓ | — | — |
| Taptap Send | ✓ | ✓ | — |
| Western Union | ✓ | ✓ | ✓ |
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
Funding and delivering the send
From Ghana, funding starts from MTN MoMo (the dominant wallet), Telecel Cash, AT Money or a Ghanaian bank account via GhIPSS. The most direct rail to Togo is MTN MoMo Cross-Border when both ends are on MTN — instant wallet-to-wallet, no intermediate app. For Flooz (Moov Togo), apps like NALA, Sendwave or Taptap Send accept the cedi debit and deliver to Flooz in minutes. Ghana's 1% e-levy was repealed in April 2025 — no state tax applies to your send today.
Transfer limits & KYC
In Ghana, wallet or app signup uses the Ghana Card. Providers are supervised by the Bank of Ghana under the Payment Systems and Services Act 2019. For a first large send to Togo, expect MoMo transaction caps that rise with the verification tier.
Other routes to Togo
Frequently asked questions
Which rail should I use to send to Togo from Ghana?
How long does a transfer to Togo take?
Is money received taxed in Togo?
Bottom line
Bottom line: MTN MoMo Cross-Border delivers instantly when both ends are on MTN; otherwise the intra-African app lands in minutes and it lands on T-Money (Togocom) or Flooz (Moov) at the fixed EUR-XOF rate (655.957), often within minutes. Compare MTN MoMo Cross-Border and NALA first on the final amount received, switch to Wise for large sums, and Western Union if cash pickup is needed. For Ghana → Togo, MTN MoMo Cross-Border is the direct rail when both ends are on MTN; otherwise an intra-African app delivers to Flooz.
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.