How much actually arrives in Cameroon? Estimate fees plus FX margin against the official BEAC peg (655.957 XAF/EUR) — to choose a channel, not to replace the provider's quote.
Enter the amount sent from Europe. Results rank by XAF received — the only number that matters.
| Provider | Fee | Effective rate | XAF received | Real cost | Speed |
|---|---|---|---|---|---|
BEAC reference (0 fee, 0 margin) What the official peg would yield with no fee or FX margin — a benchmark, not a real service. | €0 | 655.957 | 131,191 XAF | 0 % | — |
Taptap Send Best amount receivedApp · App You pay €202.40 | €2.40 | 650.053 | 130,011 XAF | 2.1 % ≈ €4.20 | Minutes |
Remitly App · App You pay €202.99 | €2.99 | 646.774 | 129,355 XAF | 2.9 % ≈ €5.79 | 0–2 h |
WorldRemit App · App You pay €202.99 | €2.99 | 645.462 | 129,092 XAF | 3.0 % ≈ €6.19 | 0–2 h |
Bank transfer Bank · Bank → bank You pay €215 | €15 | 642.838 | 128,568 XAF | 8.8 % ≈ €19.00 | 1–5 d |
Ria Agency · Agency You pay €205.50 | €5.50 | 641.526 | 128,305 XAF | 4.8 % ≈ €9.90 | Minutes |
MoneyGram Agency · Agency / cash You pay €207.30 | €7.30 | 637.590 | 127,518 XAF | 6.2 % ≈ €12.90 | Minutes |
Western Union Agency · Agency / cash You pay €208.90 | €8.90 | 632.999 | 126,600 XAF | 7.6 % ≈ €15.90 | Minutes |
A transfer has three cost lines. We combine them to compare what arrives in XAF for a given amount paid.
The most searched questions on fees, FX margins and mobile money.
Compare the XAF amount received with what you would get at the BEAC peg (655.957 XAF/EUR) with no fees. The gap — fees plus FX margin — is the real cost, often much higher than advertised “€0 fees”.
01655.957 is the official BEAC peg. Providers apply their own lower rate to earn a margin. That FX gap is often the most expensive part of a transfer.
02Yes. Most apps (Taptap Send, Remitly, WorldRemit…) deposit into a mobile-money wallet in Cameroon. Check the applied rate and any cash-out fees at the agent.
03Provider grids change often and depend on amount, sending country and promos. We publish a dated editorial schedule to teach real cost — not a binding quote. Always confirm with the provider.
04Transfers help family month to month. Collective giving (like the Circle of 5) funds training, equipment or schooling — structural leverage that a single remittance rarely achieves alone.
05On a €200 transfer, several euros often go to fees and margin. A regular €5 commitment can equip training or schooling — documented, on the ground.
Foundation based in Belgium · not affiliated with transfer providers
