Is cash still widely used?
Yes. Togo is predominantly cash-based. Local transport, markets, restaurants, and businesses across the country require CFA franc cash. Lomé has some card acceptance at upscale hotels and larger businesses.
ATMs and withdrawing cash
ATMs are available in Lomé. Ecobank and SGBBE machines accept foreign cards.
- Fees are around 3,500 XOF per withdrawal for foreign cards
- Good availability in Lomé; very limited elsewhere
- Withdraw cash in Lomé before any regional travel
Card acceptance
Low. Some hotels and restaurants in Lomé accept cards. Everywhere else requires cash.
Tips for travelers
- Togo has an excellent voodoo market in Lomé — cash only
- The north has beautiful landscapes and traditional cultures
- CFA franc is shared with other West African nations
- Tipping is appreciated for guides and in tourist restaurants