How to Send Money to Senegal in 2026: Complete Guide

Senegal is one of the most important destinations for the African diaspora, receiving over 2.5 billion euros in remittances every year. [Source: World Bank]

Why Compare Before Sending?

In 2026, transfer fees to Senegal vary enormously depending on the provider. Sending 100€ can cost between 0.5% and 8% depending on whether you use Wise, Western Union or a traditional bank. Over a year, that difference adds up to hundreds of euros.

Best Providers for Senegal

**Wise** — Best for bank transfers. Mid-market exchange rate, transparent fees between 0.5% and 1%. Delivery in 1-2 business days.

**Remitly** — Perfect for mobile money. Direct transfer to Orange Money and Wave. Fees from 0.5% in economy mode (3-5 days) or 1-2% for express (minutes).

**WorldRemit** — Great for mobile money. Supports Orange Money, Wave and Free Money. Fees from 1.5%.

**Western Union** — For instant cash pickup. More expensive (3-5% fees) but available everywhere in Senegal, including rural areas.

Mobile Money in Senegal

Senegal leads West Africa in mobile money adoption. **Orange Money** and **Wave** have over 15 million combined users. Transfers arrive within 24 hours and need no bank account — just a phone number.

Tips to Save Money

**Always compare** — use TransfertCompare to see all providers side by side

**Avoid banks** — traditional banks charge 5% in hidden fees on average

**Use mobile money** — Orange Money and Wave have the lowest fees

**Send larger amounts less often** — fixed fees have less impact

**Avoid weekends** — exchange rates are less favorable on Saturdays and Sundays

Fee Comparison (100 EUR)

Wise: ~0.50€ fee, real rate, 1-2 days

Remitly: ~0.99€ fee (express), real rate + 0.5%, minutes

WorldRemit: ~1.50€ fee, real rate + 0.8%, 1-24h

Western Union: ~4€ fee, 2-3% margin, minutes

Bank: ~8-15€ fee, poor margin, 3-5 days

Use our comparison tool to find the best current rates and save up to 80% on your transfers to Senegal.