How to send money to Senegal from the US

What you need before you start

Three things, all of which you likely already have:

• A US bank account or debit card to fund the transfer.

• Your recipient’s phone number with a Wave account on it.

• Your recipient’s Orange number, registered for Orange Money in their own name.

• The AnyMoney app (iOS or Android), with a one-time identity verification — most checks clear within the hour during business hours.

Sending, step by step

The whole flow takes a few minutes once your account is set up:

• Add your recipient once — choose Wave and enter their number with the country code, or choose Orange Money and enter their Orange number with the country code. Their details are saved for every future transfer.

• Enter the amount in dollars. The app shows the rate at that very moment and exactly how many CFA francs will arrive.

• Review the full quote — rate, fee, and the receive amount — before you confirm anything.

• Pay from your linked bank account or debit card.

• Track every step in the app until the money lands.

How the money arrives in Senegal

Transfers to Senegal are paid in West African CFA francs (XOF). To Wave, the francs appear in your recipient’s Wave balance with an in-app notification; Wave works on any carrier’s number. To Orange Money, the francs arrive in the wallet with an SMS and need an Orange line. Either way, your recipient can pay from the wallet or cash out at that network’s agents.

How long it takes

Depending on the payment method, transfers typically arrive within a few minutes or up to a few business days. Whatever the path, you can follow every step in the app — and your recipient can be notified the moment it lands.

What it costs

Zero fees on your first transfer — the fee is waived in full. After that, every fee is part of the quote you see before you confirm, never a surprise after. The rate you see in the app is the rate at that very moment, updated regularly to honor our best-rate commitment. Compare us with anyone: our rates are public, on this site, before you sign up.

How much can you send?

Limits depend on your verification level and payment method. The app shows your exact limits during registration and in your account dashboard — and higher limits are available with additional verification.

Before you send to Senegal

Three things worth checking with your recipient:

• Ask which wallet your recipient uses; a Wave payment does not reach Orange Money, and vice versa.

• Save the number with the +221 code.

• XOF is fixed to the euro, so the rate you see follows the dollar against the euro.