Togo

Togo is a small country located in Western Africa. The capital of Togo is Lomé and the most spoken language is French. The national currency in Togo is West African CFA franc (XOF).

Check with your bank to determine if there are any costs for international transactions. When you use a foreign ATM, your home bank will typically charge you a fee. While some banks don't charge a fee, some charge a fixed fees for every withdrawal or provide a limited amount of free withdrawals.

When you spend money abroad with your card, you're unlikely to get the interbank exchange rate. This implies that each time you spend in a foreign currency, you may be paying a significant fee. Varying service providers may charge different markups, but they should not exceed 3% of the transaction value on average.

To reduce the transaction costs, you may choose to consider one of the travel cards offered by the following mobile banks: Wise.com, Revolut, N26 or Monose