Money in Togo

The CFA Franc Is Pegged to the Euro

Togo uses the West African CFA franc (XOF), which is pegged to the euro at a fixed rate. EUR is straightforward to exchange at banks and bureaux in Lomé. USD is also widely accepted for exchange. The peg means the euro exchange rate to XOF is predictable and stable.

ATMs Available in Lomé — Limited Outside

Ecobank, Société Générale and BTCI have ATMs in Lomé accepting international Visa and Mastercard, and cards from the international transfer apps such as Wise and Revolut work at the main bank machines in the capital. Outside it, ATMs are found in the regional capitals — Sokodé, Kara, Kpalimé and Atakpamé — and coverage declines sharply in rural areas.

Cards at Larger Hotels — Mobile Money Is Dominant Locally

International credit cards are accepted at larger hotels and some restaurants in Lomé. Mobile money platforms — Flooz (by Moov Africa) and T-Money (by Togocel) — are the dominant everyday payment method for locals but require local SIM registration.

Cash Required for Markets and Regional Travel

Markets, street food, moto-taxis, shared taxis and businesses outside Lomé all run on XOF cash, and shared transport in particular is a small-notes economy where nobody has change. Withdraw what your whole regional itinerary needs before leaving the capital, because a day on the road north reaches a good deal less far than the map suggests.