Send Money from Canada to Senegal
Fees and exchange-rate margins from Canada to Senegal vary widely. Compare what your recipient actually receives, not the advertised fee.
What does your recipient in Senegal actually get?
XOFThe one amount we checked · on C$1,000F CFA 404,670
At the mid-market rate · C$1,000F CFA 412,483.96
Western Union · fee varies · checked October 2026
1 CAD = 412.4840 XOF
30-day range407 – 412 XOF
Every provider pays your recipient less than the benchmark. The gap is the rate margin, and it is usually larger than the transfer fee. How the margin worksCAD→XOF reference rate for Oct 18, 2026, updated automatically · Rates By Exchange Rate API · 30-day series: Exchange Rate API (daily series)
Compare 3 ways to send money to Senegal
Checked recipient amounts cover 1 of 3 providers here, collected from the Wise Comparison API — which quotes its own operator among them. The rest show each provider's published terms, and are ordered by payout coverage rather than by amount.
Recipient amounts collected and stored, not fetched as this page loads. Exchange rates move daily.
| Provider | Recipient getsby bank transfer | What it costs | Arrives | Payout | Open provider |
|---|---|---|---|---|---|
 The widest published set of Senegal bank and mobile-money partners on this page | Check provider | VariesRate not published — confirm before sending | Express or standard | Payout methods: Bank deposit, Cash pickup, Mobile wallet | Go to Remitly |
 A published first-transfer fee waiver plus the widest cash-pickup network on this page | F CFA 404,670 | CA$1.99bank transfer at 1000 CAD1.60% rate margin, measured | Minutes | Payout methods: Bank deposit, Cash pickup | Go to Western Union |
 Mid-market rate with volume discounts on larger transfers | Check provider | Percentage of amountNo rate margin | Minutes to days | Payout methods: Bank deposit | Go to Wise |
The widest published set of Senegal bank and mobile-money partners on this page
- Recipient gets (bank transfer)
- Check provider
- Cost
- VariesRate not published — confirm before sending
- Arrives
- Express or standard
- Payout
- Payout methods: Bank deposit, Cash pickup, Mobile wallet
A published first-transfer fee waiver plus the widest cash-pickup network on this page
- Recipient gets (bank transfer)
- F CFA 404,670
- Cost
- CA$1.99bank transfer at 1000 CAD1.60% rate margin, measured
- Arrives
- Minutes
- Payout
- Payout methods: Bank deposit, Cash pickup
Mid-market rate with volume discounts on larger transfers
- Recipient gets (bank transfer)
- Check provider
- Cost
- Percentage of amountNo rate margin
- Arrives
- Minutes to days
- Payout
- Payout methods: Bank deposit
What it costs has two parts: the advertised fee, and the exchange-rate margin kept by paying your recipient less than the mid-market rate. The margin is usually the larger, and is never labelled as a fee. Figures are each provider’s published terms, plus bank-transfer quotes from the Wise Comparison API, a source operated by a company this site also ranks — open a provider for a live quote. Recipient amounts are shown only for the providers we hold a checked figure for, which is some of those listed here rather than all of them.
Too few checked amounts on this corridor to rank by money, so the order is payout coverage, delivery speed and published fees — a provider with a checked figure is not placed above one without. Affiliate arrangements never affect this order.
No labels are awarded on this corridor. With 3 providers the table is the comparison, and calling one of them best of 3 would dress a short list up as a finding.
Where two providers tie, the one supporting more payout types is listed first, then the faster one, then alphabetically. A label is left unawarded whenever the data we hold cannot support it — we would rather show fewer claims than invented ones. We hold a checked amount for too few of the providers here to call any of them best on it, so no Best value is named — naming one would rank a field too small to be a comparison. The amounts we do hold are still shown. Those amounts cover some of the providers listed, not all of them, and the set is chosen by the source that supplies them rather than by us. Full methodology
What these figures are
- What the recipient gets
- Collected from the Wise Comparison API at a send amount of CA$1,000, October 2026. These price a bank transfer. Cash pickup and mobile wallets are priced differently and are not covered by these figures. Not a live quote — rates move daily.
- Fees
- As each provider publishes them, via the Wise Comparison API, October 2026. A provider that does not publish a fee for this corridor shows none rather than a guess.
- Payout methods, delivery speed, promotions
- Read from each provider’s own pages for this corridor and last reviewed September 2026. Where a provider’s own sources disagree, the disagreement is printed rather than resolved.
Independent — providers cannot pay for placement or ranking · Consistent — every checked amount measured on the same corridor at the same send amount, and any fee quoted on a different basis says so on its own row · Transparent — the advertised fee kept separate from the rate margin
How much you send changes which provider is cheapest
A transfer costs two things: a fee you can see, and a cut of the exchange rate you cannot. They scale in opposite directions, so the best provider for C$200 to Senegal is often not the best provider for C$5,000.
The flat fee is most of what you pay
On a small transfer a C$5 fee is a real percentage of the money. A rate margin of half a percent on C$200 is one dollar — small enough to ignore. Sort by the fee and take the lowest one you trust.
The exchange rate is most of what you pay
The fee stops mattering and the rate takes over. Half a percent on C$5,000 is C$25 — five times a typical fee, and no provider calls it a charge. A zero-fee offer on a large transfer is the one most worth checking.
CAD to XOF at common amounts
| You send | Mid-market value | Load into calculator |
|---|---|---|
| CA$100.00 | F CFA 41,248 | |
| CA$250.00 | F CFA 103,121 | |
| CA$500.00 | F CFA 206,242 | |
| CA$1,000 | F CFA 412,484 | |
| CA$2,500 | F CFA 1,031,210 | |
| CA$5,000 | F CFA 2,062,420 |
Pick a row to load that amount into the calculator at the top of the page. These are mid-market values, not provider quotes — every service pays your recipient somewhat less, so use them as the figure to measure an offer against.
What is the fastest way to send money to Senegal?
Western Union quotes the fastest delivery on this corridor at minutes. Published speeds describe the fastest route a provider offers, not every route: paying by card and sending to a wallet is usually near-instant, while a bank transfer funded by direct debit takes longer whoever you send with.
Senegal at a glance
- Currency
- XOF · West African CFA franc
- Payout methods
- Bank deposit · Cash pickup · Mobile wallet
- Typical delivery
- Minutes to minutes to days
- Cash pickup
- Available from 2 of 3 providers
- 1 of the 3 providers can deliver within minutes, including Western Union.
- Cash pickup is available through Remitly and Western Union — no bank account needed.
What it costs to send money to Senegal
Sending money from Canada to Senegal converts Canadian dollars (CAD) into West African CFA francs (XOF). Most of the real cost is not the headline fee — it is the exchange-rate margin, the gap between your quoted rate and the mid-market rate banks use between themselves. Two providers can both advertise "no fees" and still differ by several percent on what actually arrives.
The CFA franc is pegged to the euro, so rates move with EUR rather than independently.
That is why the comparison above leads with how your recipient can be paid rather than with a headline price: match the service to how they actually want the money, then check the final quote.
How to choose the right provider
Compare the amount received, not the fee
Enter the same amount with two or three providers and compare what your recipient in Senegal actually receives in West African CFA francs. That one number folds the fee and the rate margin together.
Match the payout method to your recipient
In Senegal the common rails are Wave and Orange Money wallets, plus cash pickup. A slightly pricier provider paying into the wallet or account they already use beats a cheaper one that means a trip to an agent.
Pay more for speed only when you need it
Western Union can deliver within minutes, but express usually costs more in fee or margin. If it is not urgent, the economy option on the same platform is often meaningfully cheaper.
Check cash pickup coverage before you send
Remitly and Western Union offer cash pickup in Senegal. Check the specific branch is open and stocked before sending, especially outside major cities.
Verify the provider is licensed
Any service moving money out of Canada should be registered with FINTRAC. Everyone we list is — worth checking for any service you find elsewhere.
Frequently Asked Questions
Sending to Senegal from somewhere else
All routes to Senegal →Other countries paid in West African CFA franc
Before you send
Ready to compare your transfer?
See rates, fees and delivery options for 3 services side by side.