Send money to Benin

For businesses paying suppliers, staff and partners. Pay out in XOF to MTN MoMo and Moov Money. Fund from USD, EUR, GBP or the USDC and USDT stablecoins, with the rate shown before you confirm.

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Stablecoin payments in Benin for businesses →

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Updated October 2026

QUICK ANSWER

The fastest way for a business to send money to Benin is a direct payout to MTN MoMo in XOF. With ElementPay it is sent on local rails with the rate and fee shown upfront, funded from fiat or stablecoins.

CurrencyXOF · West African CFA franc

Payout railsMTN MoMo and Moov Money

Typical deliveryAround 30 seconds

HoursSet by each local rail

Fund withUSD, EUR, GBP, USDC, USDT

XOF accountAvailable →

Payout rails in Benin.

Mobile money

MTN MoMo

Mobile money wallet, paid to the recipient’s phone number.

Phone · +229

Mobile money

Moov Money

Mobile money wallet, paid to the recipient’s phone number.

Phone · +229

USDCUSDT

Stablecoin funded

Send digital dollars, deliver XOF on any rail above.

How to send money to Benin.

01Add the recipientEnter their phone number in +229 format for MTN MoMo and Moov Money.
02Lock the XOF rateChoose USD, EUR, GBP, USDC or USDT as the source. The XOF amount and fee are fixed before you confirm.
03DeliveredThe payout lands on MTN MoMo in Benin. A webhook and receipt confirm delivery.

Popular routes to Benin.

→

From FranceEUR → XOF

Payments in Benin.

MTN MoMo and Moov Money are the two main mobile money networks in Benin. Cotonou, the economic capital, is a trading hub for goods moving into Nigeria and the Sahel.

REGION

West Africa

MAIN BUSINESS CITY

Cotonou

DIALLING CODE

+229

CURRENCY

XOF

Questions about Benin.

How long does it take to send money to Benin?

Most ElementPay payouts to MTN MoMo in Benin are sent on local rails as soon as you confirm, with a status for every payment.

Which payout methods are available in Benin?

ElementPay pays out in XOF to MTN MoMo and Moov Money. Mobile money payouts need the recipient’s phone number in +229 format.

Can I send money to Benin with USDC or USDT?

Yes. Hold USDC or USDT in your ElementPay balance and use it to fund any payout to Benin. ElementPay converts to XOF at a rate shown before you confirm and delivers on the local rail.

Can I hold XOF in an ElementPay account?

Yes. ElementPay issues XOF bank accounts, one per currency, so you can receive, hold and pay in West African CFA francs.

What currency does the recipient receive in Benin?

Recipients in Benin are paid in West African CFA francs (XOF). You can fund the payout from USD, EUR, GBP, any of ElementPay’s 30 account currencies, or USDC and USDT.