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    ATM Fee Guide
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    ATM Fees in Senegal

    West African CFA Franc (XOF) • Updated April 2026

    Senegal is largely cash-based. Card acceptance limited to hotels in Dakar. ATMs available in cities. Wave and Orange Money are popular locally (Wave has become the dominant mobile payment method, though hard for tourists to access without local ID). Bring EUR to exchange.

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    Tips for Senegal

    • • Cash essential for most transactions
    • • Cards at hotels in Dakar
    • • Wave and Orange Money used locally
    • • CBAO and SGBS have ATMs
    • • EUR preferred for exchange
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    Airport tips

    • • Dakar airport has ATMs
    • • Get cash for transport
    • • EUR exchange available
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    Don't forget your home bank fees

    The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.

    Estimated daily expenses

    How much cash you might need per day in Senegal, per person.

    Your currency:

    Backpacker

    Hostels, street food, public transport

    31,000-80,000 XOF

    XOF/day

    🏨 Accommodation18,000-45,000 XOF
    🍜 Food & drinks5,000-12,000 XOF
    🚌 Transport3,000-8,000 XOF
    🎟️ Activities5,000-15,000 XOF

    ≈ $55.16-142 USD

    Mid-range

    Hotels, restaurants, mix of transport

    105,000-225,000 XOF

    XOF/day

    🏨 Accommodation65,000-130,000 XOF
    🍜 Food & drinks15,000-30,000 XOF
    🚌 Transport10,000-25,000 XOF
    🎟️ Activities15,000-40,000 XOF

    ≈ $187-400 USD

    Luxury

    Premium hotels, fine dining, private transport

    300,000-660,000 XOF

    XOF/day

    🏨 Accommodation180,000-400,000 XOF
    🍜 Food & drinks40,000-80,000 XOF
    🚌 Transport30,000-60,000 XOF
    🎟️ Activities50,000-120,000 XOF

    ≈ $534-1,174 USD

    Cash vs card acceptance

    Where you'll need cash and where cards work in Senegal.

    Credit card acceptance

    Low

    Cash economy. Cards at upscale hotels only.

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    You'll need cash for

    • • Most restaurants
    • • Markets
    • • Transport
    • • Outside Dakar
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    Cards usually accepted

    • • Hotels in Dakar
    • • Some tourist restaurants

    💰 Cheapest banks for foreign cards

    These banks charge the lowest fees for withdrawals with foreign cards.

    BankATM FeeEst. CostBranches
    CBAO2,000-4,000 XOF~4.00 USD60
    SGBS2,500-4,500 XOF~4.00 USD50
    Ecobank2,500-4,500 XOF~4.00 USD40

    📍 Most widely available ATMs

    Sorted by number of ATM locations. More branches means easier access, but fees may be higher.

    BankATM FeeEst. CostBranches
    CBAO2,000-4,000 XOF~4.00 USD60
    SGBS2,500-4,500 XOF~4.00 USD50
    Ecobank2,500-4,500 XOF~4.00 USD40

    🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Senegal:

    Ecobank
    View all ATM alliances →

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