Africa
Money, cards and tipping in Togo
XOFFranc
Money in Togo
Mostly cash Cards work at a few Lomé hotels and restaurants; cash in XOF is needed for nearly everything else. Bring EUR to exchange. US$1 ≈ CFA582.98 (03 Oct 2026).
Key facts
- Tipping: Not expected; round up or leave a few hundred XOF for good service.
- ATMs: ATMs in Lomé cap withdrawals around 100,000–200,000 XOF; Visa is more widely accepted than Mastercard.
- Paying by phone: Flooz (Moov) and T-Money (Togocom) are used locally but need a Togo SIM and account.
- Price level: about 34% of US prices (World Bank PPP).
Cash or card, by place
| Place | Cards | Notes |
|---|---|---|
| Lomé | Mostly cash | Mostly cash; cards work in some hotels and restaurants. Flooz and T-Money mobile money need a local SIM. |
Quick answers
Do you tip in Togo?
Not expected; round up or leave a few hundred XOF for good service.
Is Togo cashless?
Mostly cash. Cards work at a few Lomé hotels and restaurants; cash in XOF is needed for nearly everything else. Bring EUR to exchange.
What currency does Togo use?
The Franc (XOF). US$1 ≈ CFA582.98 (03 Oct 2026).
Sources
- ExchangeRate-API open rates
- US State Department travel advisory
- Republic of Togo
- Speedtest Global Index: Togo
- World Bank open data
Compiled and reviewed by SoloSquare. How we compile and score this. Spotted something out of date? Tell us.