How to Send Money from Nigeria to Togo: Methods, Rates and Fees

12 October 2026 - Naira Briefing

Cross-border trade along the West African coast makes naira-to-Togo a frequent short-haul transfer. The cost comes down to the naira-to-CFA rate you get and how the money is paid out in Lomé and beyond.

Get today’s live rate on WhatsApp

Edit the message below and tap send — we reply with the current rate and can handle the transfer end to end.

The ways to send

Apps (Lemfi, Afriex and regional players) — naira in, CFA out to a bank or mobile wallet.
Mobile money (Moov, Togocom T-Money) — the common way recipients receive.
An FX partner for larger, business-size payments.

Getting a fair naira-to-CFA rate

Togo uses the West African CFA franc (XOF), pegged to the euro, so your naira-to-CFA rate tracks the euro and the naira. Cross-rates between two African currencies often carry a wider margin — compare the CFA delivered carefully. Our cross-currency converter gives a live reference, and sending to Benin covers the Benin corridor alongside it.

Paying into Togo from Nigeria? Message us — we handle NGN→CFA at a market-based rate, to bank or mobile money.

Sending money to Togo?

We handle Nigeria-to-Togo payments at a market-based rate, to bank or mobile money.

Get a NGN-CFA quote Convert NGN to CFA

Related guides

Tools to take this further

Send-money calculator

See how much naira actually arrives when money is sent home.

Remittance true-cost calculator

What a poor rate and fees really cost against the market rate.

See all money tools ›