Receiving money from abroad is easier thanks to interoperability and wallet partnerships. Here are the safest and cheapest options.

Into a mobile wallet

  • Wave, Orange Money, MTN MoMo: free to receive.
  • The sender uses an international app (Wise, Remitly, Western Union…) that credits the wallet.
  • Cash out at an authorised point, often fee-free (Wave).

Into a bank account

NSIA Banque, SGBCI, Ecobank and others receive SWIFT transfers. Good for salaries, but 1–3 days and possible FX fees.

Safety

  • Never pay to 'unlock' a transfer.
  • Verify the beneficiary name before sending.
  • Use services licensed in the sending country.