How can I get paid from abroad in Lomé?

A global payment account gives you account details in currencies such as USD, EUR or GBP, so clients and marketplaces can pay you locally in their country. You then convert to XOF and withdraw.

What does it cost to convert to XOF?

Costs are the conversion margin plus any withdrawal fee to your local bank in Togo. Compare both, as they vary a lot between providers.

Who regulates international bank accounts & e-wallets in Lomé?

Providers serving customers in Togo fall under Banque Centrale des États de l'Afrique de l'Ouest (BCEAO). Togo's banks are licensed by the BCEAO under UEMOA's uniform regional banking law, and its mobile-money and e-money issuers are approved under the same regional Payment Services directive that governs the whole West African CFA zone. Confirm a provider against the BCEAO's register of approved establishments.

Who uses global payment accounts in Lomé?

Freelancers, remote workers, online sellers and small exporters in Lomé use them to receive foreign income without opening bank accounts abroad.

Lomé Digital Bank · International Bank Accounts & e-Wallets · Togo

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Compare international bank accounts & e-wallets providers available to Lomé, Togo residents — with clear fees, features, and eligibility in one place.

Eligibility, pricing, and availability vary by provider, residency, and regulation in Togo. Confirm the terms directly with each provider before opening an account.

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Check the regulator and any provider directly to confirm availability in Togo before opening an account.

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International Bank Accounts & e-Wallets in Lomé: what to know

Global payment accounts help people in Lomé, Togo get paid by clients, marketplaces and platforms in other countries, then convert the money into XOF (West African CFA franc (the BCEAO-issued currency of the UEMOA zone, pegged to the euro)). They are popular with freelancers, online sellers and remote workers in Lomé.

Currency in Togo: XOF · West African CFA franc (the BCEAO-issued currency of the UEMOA zone, pegged to the euro)
Regulator in Togo: Banque Centrale des États de l'Afrique de l'Ouest (BCEAO)(opens in a new tab)
Local accounts in Togo: Togolese accounts use the UEMOA-wide 28-character IBAN starting TG, whose tail combines the bank and branch codes with the 16-digit account number.
Payments in Togo: SICA-UEMOA clears regional transfers and STAR settles large-value payments for the whole zone; within Togo, mobile money dominates daily payments through Togocom's TMoney and Moov Africa's Flooss, whose agent networks cover most of the country. Lomé is also a regional fintech hub hosting several licensed e-money issuers.

Before you sign up in Lomé

Check which currencies you can receive, the conversion fee to XOF (West African CFA franc (the BCEAO-issued currency of the UEMOA zone, pegged to the euro)), and the withdrawal fee to a local account in Togo.

Sources: BCEAO: banking supervision and payment systems · BCEAO payment systems annual report · IBAN registry: Togo structure

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Disclosure: Digital Bank Networks is not a bank. We are an independent comparison platform. Some of the providers on this page are our affiliate partners, and we may receive compensation when you open an account through our links. This does not affect our ratings or rankings, which are based on independent analysis. All information is provided for educational purposes only. Please review each provider's terms and conditions before opening an account.