ECOCTGTG11-character variant (head office):
ECOCTGTGXXXWhether funds come from abroad or another local account, here's how to receive — and what it costs.
Sender uses ECOCTGTG + your account number.
Sender uses Wise, LemFi, or Sendwave to deposit into your account.
Receive into T-Money, then move to Ecobank Togo if needed.
Togolese banks use an IBAN starting with TG (TG followed by 26 digits — 2 check digits + bank code + branch code + account + RIB key). Same-day clearing across all 8 WAEMU countries via STAR-UEMOA (high-value) and SICA-UEMOA (retail), both operated by the BCEAO.
Money in a Togolese bank account can move to T-Money (Togocom) or Flooz (Moov) wallets. Since 30 September 2025, BCEAO's PI-SPI rail makes individual wallet-to-wallet transfers within the WAEMU zone (8 countries) free and instant.
Rail operator: www.bceao.int
When you actually need a SWIFT code: only for receiving money from another country. STAR-UEMOA handles every domestic togo bank-to-bank, bank-to-wallet, and wallet-to-bank transfer at near-instant speed. If the sender is in the same country, SWIFT isn't involved at all — they just need your iban or phone number.
For inbound international flows, STAR-UEMOA also matters: most modern remittance operators (Wise, Sendwave, LemFi, WorldRemit, TapTap Send) terminate their payouts via this rail rather than via correspondent SWIFT relationships. That's how they deliver in minutes instead of days — and why their all-in cost can be a fraction of a classic SWIFT wire.
Cash pickup is the fourth node in the receiving graph: Western Union, MoneyGram, Ria, RemitOne. These remain expensive but are the only option in some last-mile situations (no bank account, no wallet, urgent cash need). Mobile money cash-out via an agent network is increasingly the cheaper alternative — see our country mobile-money fee page for current cash-out rates.
One practical tip: if you're expecting a payment from abroad, ask the sender to choose the destination based on speed and amount. Small frequent payments below US$1,000 are almost always cheaper via a remittance app to your wallet. Mid-size payments (US$1,000–10,000) work well to your bank account via the same apps. Genuinely large payments (above US$50,000) are usually only practical via a SWIFT wire, even though they're the most expensive per dollar at that band.
| Bank code | Country | Location |
|---|---|---|
| ECOC | TG | TG |
| Ecobank Togo | TG (Togo) | Lomé |
An 11-character variant like ECOCTGTGXXX also indicates the head office — the trailing 'XXX' is the default. Codes ending in different sequences (e.g. 'ECOCTGTG001') refer to specific branches.
Check any SWIFT/BIC code is correctly formatted before a transfer.
vs XOF (Franc CFA)
Ecobank Togo is the founding subsidiary and historical home of Ecobank Transnational Incorporated (ETI), the pan-African banking group that now operates in 33 African countries — with its group headquarters in Lomé, Togo. Founded in 1988, the Togolese bank serves as both a major domestic commercial bank and the operational nerve centre for the wider Ecobank group. Strong corporate, SME and retail franchises across all of Togo, with deep integration into PAPSS (the Pan-African Payment and Settlement System) for intra-African transfers.
2 Rue du Commerce, Lomé
Ecobank Togo — Togo's commercial bank (founded 1988) — has the SWIFT/BIC code ECOCTGTG. The 8-character base BIC ECOCTGTG targets the Lomé head office; the 11-character variant ECOCTGTGXXX names that same head office explicitly. You only need it for receiving an INTERNATIONAL wire (from another country). For transfers from another Togo account, you just use your account number plus the domestic rail (STAR-UEMOA).
Yes. Operators like WorldRemit, Sendwave, Afriex, and Flutterwave Send let a sender abroad deposit directly into T-Money without going through your Ecobank Togo account. It's usually faster and cheaper than a SWIFT wire for smaller amounts. You can then move funds to Ecobank Togo via STAR-UEMOA if needed.
Via STAR-UEMOA (RTGS) and SICA-UEMOA (retail) — BCEAO regional rails, which interconnects banks and wallets in real time. From the Ecobank Togo app: add T-Money as a beneficiary with your phone number, and the transfer arrives instantly. See our Togo mobile money fees page for the exact cost.
For amounts under ~US$5,000, a remittance app (Wise, LemFi, Sendwave) depositing direct to your Ecobank Togo account is almost always cheaper than a classic SWIFT wire — lower fees and a rate closer to mid-market. For larger amounts, compare SWIFT vs app on our Togo inbound transfer comparison.
Yes. Ecobank Togo is connected to STAR-UEMOA (RTGS) and SICA-UEMOA (retail) — BCEAO regional rails, which enables near-instant transfers to other Togo banks and to mobile money wallets (T-Money, Flooz). This is the infrastructure remittance apps use behind the scenes to deliver in real time.
Source: Ecobank Togo's official website + Wise SWIFT directory. Last verified: 2026-06-18. SWIFT codes change rarely but always confirm with your bank before initiating a transfer. Educational only — not financial advice.