Send Money from the UK to Senegal

There is no single cheapest provider on this corridor — it depends on how much you send and how your recipient is paid. Compare the total amount received in West African CFA francs rather than the advertised fee, since the exchange rate margin is usually the larger cost. Bank deposit is typically cheaper than cash pickup.

Delivery ranges from minutes to a few business days depending on the provider and payout method. WorldRemit, Western Union and Taptap Send can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are Orange Money, bank deposit, cash pickup, mobile wallet, airtime top-up and card payout. The most widely used options in Senegal are Wave and Orange Money wallets, plus cash pickup. The CFA franc is pegged to the euro, so rates move with EUR rather than independently. Not every provider supports every method, so check the table above before you commit.

No. Remitly, WorldRemit and Western Union offer cash pickup in Senegal, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, Wave and Orange Money wallets, plus cash pickup generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For GBP to XOF, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in the UK under the Financial Conduct Authority (FCA), which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly £10,000, a specialist foreign-exchange broker will often beat an app on rate.

Taptap Send is confirmed on this corridor but prices differently from every other provider on this hub: a flat EUR 2 fee regardless of amount (converted from its Europe-wide pricing, not a GBP-specific figure), rather than the percentage or promo-then-standard pattern seen elsewhere. Payout is limited to two mobile wallets, Orange Money and Wizall, each with its own transfer cap.