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BLUE FINANCIAL SERVICES transfer flow showing the amount the recipient receives.

aed → xof

Send dirhams to West Africa

AED to XOF same-day transfers from Dubai and the UAE to Mobile Money networks.

Today's rate (changes throughout the day)

today, 1 aed ≈ 163 xof.

From 0.6% + exchange rate margin (~0.4%)

The exact amount the recipient gets is shown in the app before you confirm.

How sending money works

Four steps. The whole thing takes a few minutes.

01

Open an account

Sign up on the app or web. We check your ID — takes about five minutes.

02

Add money to your wallet

Top up from a European bank (free), your UAE bank (instant), or Mobile Money.

03

Enter the amount and confirm

See the exchange rate, the fee, and the final amount the recipient gets. Then confirm with a code from your phone.

04

Your recipient gets paid

To their Mobile Money wallet or bank account — usually within a few hours, sometimes instantly.

Fees and delivery

No hidden charges. The full breakdown is shown before you confirm.

ItemDetails
Transfer feeFrom 0.6%
Exchange rate marginExchange rate margin: about 0.4%
Delivery timeSame day
How you payTransfer from your UAE bank account
How they receiveMobile Money (Orange, MTN, Wave)

Fees can change. Exchange rate margins are estimates — the exact amount is shown in the app.

Ways to pay and get paid

AED

How you pay

Top up your dirham wallet from any UAE bank using Open Banking. Most deposits arrive in minutes.

XOF

How they receive

Recipients receive XOF directly to their Mobile Money wallet — Orange Money, MTN MoMo, or Wave — usually the same day.

Common questions

Common questions

Quick answers to common questions about this route.

How long does an AED to XOF transfer take?

Most AED to XOF transfers arrive the same day — usually within a few hours after you confirm.

How much does it cost to send dirhams to XOF?

We charge a percentage fee plus a small margin on the exchange rate. You'll see the total cost split into fee and margin before confirming. No hidden fees.

Where does the recipient receive the money?

Recipients receive XOF directly in their Mobile Money wallet (Orange Money, MTN MoMo, or Wave) in any of the eight UEMOA countries.

What is the maximum amount I can send?

With a verified account, you can send up to AED 36,500 per transfer. See our pricing page for full limits.

Is the transfer secure?

Yes. AED to XOF transfers are processed by our licensed banking partners. Every transaction is screened for fraud and authenticated via two-factor authentication.

Rates on this page are a guide. The final amount the recipient gets is shown in the app before you confirm. Fees depend on where you're sending from and to, the amount, and whether you've verified your ID.

talk to a corridor specialist.

ready to send?

Sign up in about five minutes. Your first transfer is on us.