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

1. Always compare — use TransfertCompare to see all providers side by side
2. Avoid banks — traditional banks charge 5% in hidden fees on average
3. Use mobile money — Orange Money and Wave have the lowest fees
4. Send larger amounts less often — fixed fees have less impact
5. 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.