Send money from Europe to Senegal (EUR to XOF)

Compare today's live EUR → XOF exchange rates and fees across every major provider. We show the hidden markup baked into each quote, so you can find the cheapest way to send money from Europe to Senegal — to mobile money (Wave or Orange Money) or a bank account.

Quick answer: the cheapest way to send EUR to XOF (Senegal) right now is NALA, about 656.94 XOF per €1 with no transfer fee, ranked by how much actually arrives in XOF, not by the headline fee. Senegal pays out in the West African CFA franc (XOF), not the Central African CFA franc (XAF).

Mid-market rate: 655.9570 XOF per 1 EUR· updated Jul 30, 2026, 7:26 AM UTC

Currency note: Senegal uses the West African CFA franc (XOF) — not the Central African CFA franc (XAF). They are separate currencies with different ISO codes, so a rate quoted in XAF does not apply here. Every rate below is in XOF.

EUR to XOF comparison — sending €500

Ranked by how much actually arrives, grouped by how your recipient gets paid. Mobile money is how most people receive money in Senegal.

Best rate right now

The best-value way to send money to Senegal right now is NALA: send €500 and your recipient gets 328,471.97 XOF — an effective 656.94 XOF per €1, with no transfer fee. Updated Jul 30, 2026, 7:26 AM UTC.

Mobile money payouts

Most used in Senegal

Pay out to mobile wallets in Senegal, usually within minutes.

4 providers
Provider
Rate
Fee
True cost
You receive
NALABest value
Mobile money · In minutes
656.94
Free
Beats mid
328,471.97 XOF
NALABest valueMobile money · In minutes
Recipient gets
328,471.97XOF
Rate656.94
FeeFree
True costBeats mid
Western Union
Mobile money · In minutes
655.96
€0.99
€0.99 (0.20%)
327,329.10 XOF
Western UnionMobile money · In minutes
Recipient gets
327,329.10XOF
Rate655.96
Fee€0.99
True cost€0.99 (0.20%)
Sendwave
Mobile money · In minutes
655.96
€1.49
€1.49 (0.30%)
327,002.62 XOF
SendwaveMobile money · In minutes
Recipient gets
327,002.62XOF
Rate655.96
Fee€1.49
True cost€1.49 (0.30%)
WorldRemit
Mobile money · Within 1 hour
655.96
€9.99
€9.99 (2.00%)
321,426.96 XOF
WorldRemitMobile money · Within 1 hour
Recipient gets
321,426.96XOF
Rate655.96
Fee€9.99
True cost€9.99 (2.00%)

Rates are indicative and last updated Jul 30, 2026, 7:26 AM UTC. Fees assume the cheapest standard bank funding; some providers add a small pay-in fee that varies by how you pay. First-transfer bonuses apply to new customers' first send only. Always verify the final exchange rate on the provider's payment page before making a transfer. See our methodology and advertiser disclosure.

Open the live calculator →
💬 Check EUR → XOF rates on WhatsApp
Text the bot for live EUR → XOF rates, get pinged when the rate hits your target, and share the best deal to your groups. Free to try, no signup needed.
Check EUR → XOF in WhatsApp →Set a rate alert

Sending money from Europe to Senegal

In Senegal, mobile money is widespread — Wave and Orange Money are especially popular — alongside bank deposits in West African CFA francs (XOF).

When you send Euro (EUR) to Senegal, most of the cost is the exchange-rate markup baked into the rate, not the upfront fee. RemitBeat compares the live EUR → XOF rate across Wise, Remitly, Sendwave, WorldRemit, Western Union and more, benchmarks each against the mid-market rate, and ranks them by the amount that actually arrives in XOF — so you can see the genuinely cheapest option rather than the one with the flashiest headline fee.

Sending money EUR to XOF — your questions

What is the best rate to send money from Europe to Senegal today?+
As of the latest update, the best value provider for EUR to XOF is NALA, with an effective rate of 656.94 XOF per EUR and no transfer fee. Rates change throughout the day, so always check the live comparison before sending.
Does Senegal use XAF or XOF?+
Senegal uses the West African CFA franc, ISO code XOF. It is a different currency from the Central African CFA franc (XAF), which is used in Central African countries such as Cameroon. The two share a name but have distinct ISO codes and values, so a rate quoted in XAF does not apply to Senegal. RemitBeat quotes every rate to Senegal in XOF, so you are always comparing the correct currency.
What is the mid-market EUR/XOF exchange rate right now?+
The current mid-market (interbank) rate is about 655.9570 XOF per EUR. This is the "real" rate before any provider markup — RemitBeat shows how far each provider's quote sits from it.
What is a hidden markup, and how much does it cost me?+
Many transfer apps advertise "$0 fee" but bake their margin into a worse exchange rate. That gap between the provider's rate and the mid-market rate is the hidden markup. RemitBeat calculates it for every quote so you can compare the true, all-in cost rather than just the headline fee.
How can I receive EUR transfers in Senegal?+
Most providers we track deliver to mobile money (Wave or Orange Money) or a bank account in Senegal. The comparison groups providers by payout method — mobile money and bank — so you only compare options that support the way your recipient wants to be paid.
How does RemitBeat make money if comparison is free?+
When you click through to a provider we may earn a small affiliate commission. You pay exactly the same as going to the provider directly — the rate you see is the rate you get. This keeps the comparison free and unbiased.

Compare more money-transfer corridors

Live exchange-rate and fee comparisons across Wise, Remitly, Sendwave, WorldRemit and more — pick your route below to find the cheapest way to send money home.

Sending to Kenya

Sending to Nigeria

Sending to Ghana

Sending to Uganda

Sending to Tanzania

Sending to Cameroon

Sending to Senegal