Send money from the United States to Senegal (USD to XOF)

Compare today's live USD → 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 the United States to Senegal — to mobile money (Wave or Orange Money) or a bank account.

Quick answer: the cheapest way to send USD to XOF (Senegal) right now is Boss Money, about 563.05 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: 565.3282 XOF per 1 USD· updated Sep 13, 2026, 8:30 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.

USD 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 Boss Money: send $500 and your recipient gets 281,522.55 XOF — an effective 563.05 XOF per $1, with no transfer fee. Updated Sep 13, 2026, 8:30 AM UTC.

Mobile money payouts

Most used in Senegal

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

5 providers

Provider

Rate

Fee

True cost

You receive

Boss MoneyBest value

Mobile money · In minutes

563.05

Free

$2.02 (0.40%)

281,522.55 XOF

Boss MoneyBest valueMobile money · In minutes

Recipient gets

281,522.55XOF

Rate563.05

FeeFree

True cost$2.02 (0.40%)

Western Union

Mobile money · In minutes

559.28

Free

$5.35 (1.07%)

279,638.75 XOF

Western UnionMobile money · In minutes

Recipient gets

279,638.75XOF

Rate559.28

FeeFree

True cost$5.35 (1.07%)

NALA

Mobile money · In minutes

552.60

Free

$11.25 (2.25%)

276,301.50 XOF

NALAMobile money · In minutes

Recipient gets

276,301.50XOF

Rate552.60

FeeFree

True cost$11.25 (2.25%)

Sendwave

Mobile money · In minutes

548.70

$0.99

$15.70 (3.14%)

273,806.41 XOF

SendwaveMobile money · In minutes

Recipient gets

273,806.41XOF

Rate548.70

Fee$0.99

True cost$15.70 (3.14%)

WorldRemit

Mobile money · Within 1 hour

544.29

Free

$18.61 (3.72%)

272,143.50 XOF

WorldRemitMobile money · Within 1 hour

Recipient gets

272,143.50XOF

Rate544.29

FeeFree

True cost$18.61 (3.72%)

First-transfer bonuses

New customers

Promotional first-transfer rates, for new customers only.

1 provider

Provider

Rate

Fee

True cost

You receive

Boss MoneyTop bonus

Mobile money · In minutes

572.82

Free

Beats mid

286,410.60 XOF

Boss MoneyTop bonusMobile money · In minutes

Recipient gets

286,410.60XOF

Rate572.82

FeeFree

True costBeats mid

Rates are indicative and last updated Sep 13, 2026, 8:30 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.

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Sending money from the United States 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 US Dollar (USD) to Senegal, most of the cost is the exchange-rate markup baked into the rate, not the upfront fee. RemitBeat compares the live USD → 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 USD to XOF — your questions

What is the best rate to send money from the United States to Senegal today?+

As of the latest update, the best value provider for USD to XOF is Boss Money, with an effective rate of 563.05 XOF per USD 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 USD/XOF exchange rate right now?+

The current mid-market (interbank) rate is about 565.3282 XOF per USD. 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 USD 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.