ATM Fees in Togo
West African CFA Franc (XOF) • Updated April 2026
Togo uses CFA Franc (pegged to Euro). Cash-based economy. Limited card acceptance. ATMs in Lomé. Voodoo culture and markets are main attractions.
Tips for Togo
- • CFA pegged to Euro
- • Cash essential
- • Limited ATMs
- • French widely spoken
- • Bargain in markets
Airport tips
- • Limited ATMs at airport
- • Bring Euros to exchange
- • Taxi cash only
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 Togo, per person.
Backpacker
Hostels, street food, public transport
XOF/day
≈ $28.47-58.71 USD
Mid-range
Hotels, restaurants, mix of transport
XOF/day
≈ $85.40-181 USD
Luxury
Premium hotels, fine dining, private transport
XOF/day
≈ $249-480 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Togo.
Credit card acceptance
Very LowCash economy. Bring Euros.
You'll need cash for
- • Almost everything
Cards usually accepted
- • Some high-end hotels
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Ecobank | Variable | Variable | Variable | ~3.00 USD | 30 | Most reliable |
📍 Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Ecobank | Variable | Variable | Variable | ~3.00 USD | 30 | Best option |
🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Togo:
View all ATM alliances →