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When you need to send money to family or friends in Togo, you have options. There are many ways to send money safely overseas, though costs and fees vary greatly depending on your method. You'll also want to think about how quickly you need the money to arrive when making your decision.

Here are some of the best ways to send cash to Togo:

• International wire transfer: Also known as an international bank transfer, a wire transfer is a secure way for banks to send money from one account directly to another internationally. However, it does require that both you and your recipient in Togo have bank accounts. If that's not a problem, you'll need to know your recipient's international bank account number (IBAN) and their bank's SWIFT/BIC code. International wire transfers generally take several days, depending on the time difference and both banks' business hours. Holidays and weekends can also extend the transfer time, so you may need to plan ahead if the money needs to arrive by a specific deadline. Banks can also charge high fees for the service, so be sure to check with your bank so you know exactly how much your wire transfer will cost.

• Money transfer agents: Money transfer agents work for third-party services to transfer money to Togo. These aren't banks, but they are often well-known companies with a reputation for safety and speed. Money transfer agents can send money whether you and/or your recipient have bank accounts, offering more flexibility. If you don't have a bank account, the agent takes your money in cash and then wires it to another agent in Togo, who then pays cash to the recipient. Money transfer agents can offer a quicker solution than wire transfers but charge high fees. Though they may be cheaper than the bank, you might not get a great exchange rate when the currency changes from dollars to CFA francs. This could mean your recipient ends up with less money than you had hoped. 

• Ria: Ria is a flexible, online money transfer service that makes it easy to send money to Togo. Ria allows transfers directly into your recipient's bank account, or you can schedule a cash pickup at one of the 490,000 partner locations worldwide. With Ria, you can set up your transfer directly from a smartphone app or our website. Ria fees are low, and there are no hidden costs. The app and website also make it easy to see the current exchange rate, so you know exactly how much money your recipient will get—which helps your money go further to help friends and family. 

It can take anywhere from a few minutes to five business days to send money to an overseas location — including Togo. However, how long it takes depends on several factors, such as:

1. Transaction type

4. Whether Ria requires additional information for security purposes

5. When you initiate the transfer

Some currencies or transfer methods are only available during local business hours. If you set up a Togo remittance outside of typical business hours, on a holiday, or on the weekend, you could experience delays.

If you’re looking for the fastest way to send money to Togo, you may want to use a debit or credit card for your transaction. These methods may incur additional fees, so be aware of that. However, they also typically finalize the same day they’re completed — sometimes within minutes -meaning your recipient could have the money almost immediately.

And if time isn’t a concern, consider setting up a bank transfer instead. This option usually takes three to five business days and comes with fewer fees.

How long does it take to send money to Togo?

The cost of sending money to Togo depends on several key factors, such as:

1. The payment method you use

2. The payout method (that is, the way your intended recipient gets the money)

4. Currency exchange rates

Bank remittances are usually the cheapest option, while credit and debit card transfers can come with additional fees. This is especially true with credit card payments, as some credit card companies will charge extra. Keep in mind, though, that international money transfers usually come with certain charges — regardless of how you go about it.

As an international remittance service, Ria strives to keep our rates and fees as low as possible on money transfers to Togo and other countries. We do that by working with financial institutions worldwide to get you the lowest possible fees and best exchange rates. At times, we also have promo codes to cut down on some of the more unavoidable fees.

The overall transfer amount includes all fees. If you want to see the cost of sending money to Togo, here are your options:

1. Before you complete the transfer (but after you’ve logged into your account): You can see what it costs to send money to Togo via the app or website. Simply log into your account and go to “Send” or “Send Money.” Then, select your destination country, how much you want to send, your payout currency, and your payment and delivery methods.

2. Before you initiate a transfer (without logging in): You can go to Ria’s website for an estimate of what it will cost.

Both options can help prevent you from being surprised by any fees or charges associated with sending money overseas.

How much does it cost to send money to Togo?

We offer several ways to track your money transfer to Togo, but the easiest option is to use our Track a Transfer tool, which provides real-time updates of your transfer — no matter where you are.

Here’s how to use this free online feature:

1. After logging into your Ria account: Once logged in, choose “Track” (from the app) or “Track a transfer” (from the website). Then, input the transfer’s unique personal identification number (PIN) to see its status.

2. Without logging into your Ria account: If you don’t have a Ria account, you can still use the Track a Transfer feature. You’ll still need the unique PIN, however. This enables both the sender and recipient to see the transfer status at any point.

Two things are worth noting.

1. If you reside in Australia, you must also provide your birth date and recipient’s country (Togo) to track the transfer.

2. As the sender, you’ll also receive emailed updates regarding the transfer’s status and any major changes.

There are several ways to send money to Togo safely and efficiently. Which method is the best for you is a personal decision — it all comes down to how fast you need the Togo money transfer to arrive, how you want your friends and family to receive it, and how you want to pay.

Bank transfers: You can use your bank to transfer money to a bank in Togo through an international wire transfer. With this method, there’s no cash involved — you simply instruct your bank to send money to your recipient’s bank account. 

To complete a wire transfer through your bank, you usually must provide your recipient’s name, address, contact information, and banking information. This includes their international bank account number (IBAN) and their bank’s SWIFT/BIC code. 

There are several drawbacks to using a bank transfer to send money to Togo. For one, both you and your recipient need to have bank accounts at institutions that allow international transfers. 

For another, they’re typically expensive. Some banks charge as much as $50 for the convenience of an international wire transfer to the sender. And a few charge a fee to the recipient as well. In addition, your bank may limit the amount of money you can send through this method.

Money transfer agents: Traditional money transfer agents allow customers to send money abroad using cash. These agents usually have offices you can visit to fund the transfer with cash. Your recipient can then visit the transfer agent’s office closest to them and receive the money as cash. 

Of course, one of the main drawbacks of using this method for sending money is that your recipient must live near a transfer agent’s office. Another is the fact that these agents sometimes have complicated pricing structures, and fees and exchange rates can vary widely.

Money orders: Sending an international money order is similar to sending a check through the mail. You can buy a pre-paid money order certificate from your local post office or bank and then send it directly to your recipient via international mail. They can then redeem the certificate for cash.

There are several big disadvantages to this money-sending method, mainly that it’s expensive and slow. 

Online money transfer services: Online money transfer services such as Ria make it easy to send money to Togo and more than 165 other countries around the globe. Ria charges no sneaky hidden fees, so your Togo remittance will go further. 

Ria also offers great exchange rates and allows you to send money through our convenient mobile app or any of the 500,000-plus participating locations. Ria offers a quick alternative to other money-sending methods. Many transfers arrive within minutes. Send money with Ria now. 

What’s the best way to send money to Togo?

Signing up for an account with Ria is easy. The exact steps you’ll take vary depending on your location and whether you want to use the app or website.

Create a Ria account via the app in the US or Canada:

1. Download the Ria app and tap the “Register” button.

3. Enter your email address and choose a password.

4. Agree to Ria’s Terms and Conditions.

5. Enter your full name, date of birth and phone number, then tap “Continue.”

6. Choose to subscribe to receive promotions, discounts, and other special offers or tap “Not now” to opt out.

7. Enter your mailing address and tap “Continue.”

8. Select and answer three security questions to protect your account.

Create a Ria account via the app everywhere else:

1. Download the Ria app and tap the “Register” button.

3. Enter your phone number and verify it by entering the 6-digit code we send you.

5. Agree to Ria’s terms and conditions.

6. Enter your full name, email address, and date of birth (we may also ask for your country of birth, nationality, occupation, and ID information).

8. Choose to subscribe to receive promotions, discounts, and other special offers or tap “Not now” to opt out.

9. Enter your mailing address and tap the “Continue” button.

Create an account via the website:

1. Visit riamoneytransfer.com.

2. Click “Register” in the top right-hand corner of the screen.

5. Enter your phone number and the security code we send to your phone.

7. Enter your first and last name, date of birth, and email address.

8. Select whether you’d like to receive marketing messages from Ria.

How do I sign up for Ria so I can send money to Togo?

Gathering the right information for your money transfer will make your transaction go more smoothly. The details you need depend on the method you choose. For example, a wire transfer requires bank account numbers and SWIFT/BIC codes, but you don't need those for a cash pickup transfer. 

If you use Ria to send money to Togo, you will need the following pieces of information to complete your transaction:

• The recipient's full legal name, matching their government-issued photo ID

• The recipient's location, including city, state/province, and country

• The amount of money you want to send to Togo, either in your local currency or CFA francs (Ria's exchange rate calculator does the rest!)

• Your payment information, which can be your bank account, credit card, or debit card number

• Your recipient's payout information, which could be their bank account number for a direct deposit or the location where they will pick up a cash transfer

• Recipient's phone number, in some cases

What information will I need to send money to Togo?

If you’re in the USA or Canada, you can set up a Togo money transfer from the Ria app or website. Start by signing into your existing account or create a new one if you don’t have one. If you haven’t verified your phone number or set up your online profile yet, you can do that now.

Since this is your first money transfer to Togo, you’ll need to add a new recipient to your account — that is, the person who will receive money in Togo. Adding a recipient is easy. Just provide basic information about them, such as their name, current location, and phone number. If you want to transfer money to their bank, input their bank account details as well.

Once you’ve added a recipient to your account, you can decide how much money to send them — either in your currency or theirs. At this point, you can also select the payout method. Remember, each payout method comes with its own advantages and fees.

With that done, simply choose your payment method for the Togo remittance. You can add a new payment method to your account on the website or the app.

Once you’ve completed that first transfer, the process becomes even easier as your recipient’s basic information is saved to your account. Ria doesn’t store your recipient’s bank account information, however, so you will need to input that again.

How do I set up my first money transfer from the USA to Togo?

Some money transfers go through within minutes of setting them up. However, you might have to wait a few hours or days before your transfer is complete.

That’s where tracking your transfer comes into play. You can use the Track a Transfer feature for status updates on your Togo remittance. You’ll just need the PIN, which you can find in your account or the confirmation email you received after scheduling the transfer. Your recipient can also use this tool.

A standard money transfer to Togo doesn’t take very long to complete, though it depends on the payment and payout methods. If you’ve chosen a debit or credit card transfer, your recipient should receive money in Togo within minutes. A bank transfer, on the other hand, can take several business days to complete.

Certain factors may delay your transfer. For example, if you set up the transfer outside local business hours or on a holiday or weekend, it might take a little longer. In some cases, Ria will also request additional information from you for security purposes, which could cause additional delays.

What happens after I send my money transfer to Togo?

Senders and recipients can use Ria’s Track a Transfer feature for real-time transfer updates. All you need is the transfer’s PIN and order number.

Senders can also use the Ria app to track the transaction — just tap the “Track” option. In addition, senders will be notified by email when their recipient has picked up or received the money — or if there’s another major status change.

How do I view my transfer status when sending money from the US to Togo?

When a friend or family member uses Ria to transfer money from another country to Togo, you have two options for how you receive it:

• Bank transfer: Senders can use Ria to make a direct transfer into your existing bank account in Togo. To do this, you'll need to provide them with your bank's name, plus your account number and type (e.g., checking or savings). If you're unsure about this, you can call your bank to confirm the details.

• Cash pickup: Senders can also use Ria to transfer funds for you to pick up in person. This is a great option if you don't have a bank account. You'll need to let your sender know which approved location is most convenient. If you're unsure where the nearest location is, check the Ria app or website to find the most convenient spot. When you pick up your cash, you'll also need to bring your government-issued photo ID card for identity verification and the transfer PIN.

Your payment options vary based on where you are sending money from and how you access Ria. 

If you use the website, you can pay via:

• Bank transfer (US only)

• Credit or debit card (US, Australia, Canada, Spain and the UK)

If you use the Ria app, you have many more options to fund your transfer, depending on your location:

• Bank transfer (US only)

• Cash (US, Chile, Malaysia, Poland, and Singapore)

• Credit and debit cards (US, Australia, Canada, Europe, and the UK)

• Sencillito (Chile only)

Please see the full list of payment methods for more details. 

Which payment methods can I use to pay for my money transfer to Togo?

Unfortunately, you can't use Zelle to send money to Togo.

That's because Zelle currently works only with bank accounts based in the U.S. There's no way to make a money transfer to an international account. Both the recipient and the sender must have U.S.-based checking or savings accounts — as well as U.S. phone numbers.

Instead, consider using an online money transfer service like Ria. Ria is quick, safe, and convenient. We offer great exchange rates, low fees (with no hidden charges), and a variety of payment and pickup options — all from our website or mobile app.

Ria serves customers in more than 165 countries — meaning sending money to or receiving money in Togo is a breeze. You don't even need to have a bank account to use Ria — unlike with Zelle. Send money now with Ria. 

Does Zelle work to send money to Togo from the U.S.?

Currently, you can't use Venmo to send money to Togo. That's because only U.S. residents can use the app to send or receive money transfers.

Venmo may not work with international accounts. But Ria serves more than 165 countries around the globe — including Togo. Ria makes sending money internationally simple, quick, and secure. Your recipient in Togo could get the money transfer in as little as 15 minutes if you use Ria. Plus, there are no additional fees.  You are fully aware of all costs and the amount of dollars your recipient will get before you even complete the transfer.

Send money now with Ria.

Visit any Ria location, use our website, or log into our mobile app to send money directly to your recipient’s bank account in Togo. All you need is:

• The recipient’s full legal name (as it appears on their bank account)

• The name of the recipient’s bank 

• The recipient’s bank account number or IBAN (international bank account number)

Ria will take care of the rest!

How can I send money to a bank account in Togo?

Hands down, sending money via electronic transfer is the safest way to send money to Togo.

In the old days, it was common for people to send remittances by mailing cash. Not only does this method take a long time (they call it “snail mail” for a good reason), but it’s also just not safe. The mailed money could get stolen or lost at any point during its long journey.

Instead, using an online money transfer service like Ria ensures that your money gets exactly where you intend it to go. 

In addition, Ria’s team of world-class security experts works around the clock to monitor your money transfers and keep a watchful eye out for unusual behavior. Ria’s software allows the team to spot any suspicious activity long before any harm can be done to your account.

Plus, Ria never stores your payment details on its servers. So, your credit or debit card or bank account information will never be compromised in Ria’s system.

Your safety is Ria’s number one priority when sending money to Togo.

What is the safest way to send money to Togo?

There are several ways to send money back to Togo. You can use an international wire transfer to send money securely between bank accounts. You can also use a third-party money transfer agent to send money to a bank account or for cash pickup.

Another option is Ria, a money transfer service that combines the convenience of an app with low fees, favorable exchange rates, and total transparency. 

• Via the app: Sending money with the Ria app is easy. All you need to do is download the app and set up your user account by answering a few questions about yourself. Once you're done, just click on the "Send" button and choose "Togo" from the drop-down menu of 165 countries that Ria serves. Next, enter the amount you wish to send to your friend. You can do this in your local currency or start with the total CFA francs you want your friend to receive. Either way, Ria will calculate the exchange rate, so you see exactly how your transfer will work and the total fees charged. Now, you can choose your payment method. Depending on your location, this could be your linked bank account, credit card, debit card, or another payment method. The next step is to choose your delivery method. You can have the money delivered directly to your friend's bank account or a cash pickup location. You'll need to include your friend's contact details as listed on a government-issued photo ID. Finally, you'll confirm your transaction details and enter your payment information. 

• Via the website: If you prefer to use the Ria website, the steps are the same. The only difference is that you will go to riamoneytransfer.com on your web browser instead of logging into the app on your smartphone or tablet. The website is a great choice if you prefer to use a laptop or desktop computer to make your money transfers.

• In person: You can choose one of Ria's convenient locations near you to send money in person. You can start the process online or on the app by choosing the Cash transfer option. Fill out the recipient's information, and Ria will provide you with a barcode. Then, visit a participating location and show the agent your government-issued photo ID and the barcode. You may need to provide some additional information before paying for the transfer. When it goes through, the agent will provide you a receipt and PIN you can use to track the transfer. Your recipient will also need the PIN to pick up cash in person in Togo. 

How can I send money to a friend in Togo?

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FAQ

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