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Sending money to Cameroon: costs, BEAC rules and flows

Last checked: 20 October 2026 · Corridors

In Q3 2025 the World Bank recorded an average total cost of 3.08%, or €4.31, for sending €140 from France to Cameroon 1. The Sub-Saharan Africa average was 8.46% 2. The BEAC reported that the value of transfers received in the CEMAC zone rose 34.05% in 2023, to FCFA 763.81 billion 3. A BEAC instruction signed on 5 May 2026 set rules on the prefinancing of inward remittances, as reported by EcoMatin 4.
Latest RPW quarter
Q3 2025 1
France to Cameroon, €140
3.08% average total cost (€4.31) 1
Sub-Saharan Africa average, Q3 2025
8.46% 2
Transfers received in the CEMAC zone, 2023
FCFA 763.81 billion 3
Mobile money funds received from abroad, CEMAC, 2023
More than FCFA 557 billion 3
Payment services law
Règlement N° 04/18/CEMAC/UMAC/COBAC of 21 December 2018 5

Average cost from France

The World Bank Remittance Prices Worldwide (RPW) database records Q3 2025 prices for sending €140 from France to Cameroon, collected from 8 August to 20 August 2025 1. The average fee was €2.40 and the average exchange rate margin was 1.37%, for a total cost of 3.08%, or €4.31 1. RPW shows no Q2 2025 average for the corridor 1.

All 20 services in the €140 sample are money transfer operator (MTO) services 1. The table shows the services sampled, with card transfers grouped where credit and debit card prices match 1.

Provider and productPayoutFeeExchange rate marginTotal cost
Remitly, card online 1Cash, bank account or mobile wallet 1None 11.26% 11.26% (€1.76) 1
ACE Money Transfer, card online 1Mobile wallet 1€0.99 11.15% 11.86% (€2.60) 1
MoneyGram, card online, next day 1Cash 1None 11.93% 11.93% (€2.70) 1
WorldRemit, card online 1Mobile wallet 1€1.99 11.28% 12.70% (€3.78) 1
WorldRemit, credit card online 1Cash 1€4.38 11.28% 14.41% (€6.17) 1
Western Union, card online 1Cash 1€3.99 11.59% 14.44% (€6.22) 1
Western Union, cash at an agent 1Cash 1€5.40 11.59% 15.45% (€7.63) 1
Ria, card online 1Cash 1€6.40 11.26% 15.83% (€8.16) 1
Ria, cash at an agent 1Cash 1€7.00 11.26% 16.26% (€8.76) 1

BEAC data on transfers into the CEMAC zone

The BEAC report on payment services in the CEMAC zone in 2023 does not give totals for Cameroon alone 3. For the zone as a whole, it reports these figures 3:

  • The value of transfers received rose 34.05%, from FCFA 569.8 billion in 2022 to FCFA 763.81 billion in 2023. The number of transfers received fell from 2,912,795 to 1,052,188 3.
  • A table in the same report shows 933,590 international transfers received in 2023, worth about FCFA 682.69 billion, which differs from the figures in the text 3.
  • Outgoing transfers fell 23.22% in value to FCFA 963.6 billion in 2023. Providers attributed the fall to stricter application of exchange regulations, according to the report 3.
  • Mobile money operations brought in more than FCFA 557 billion from abroad in 2023, across 7,421,924 transactions 3.
  • Mobile money transfers out of the CEMAC zone are limited to amounts of FCFA 1 million or less 3.
  • Seven payment institutions were approved in the CEMAC zone 3.

BEAC rules on inward remittances

EcoMatin reporter Cedrick Jiongo wrote on 8 June 2026 that BEAC Governor Yvon Sana Bangui signed an instruction on 5 May 2026 on the prefinancing of inward remittances made through payment institutions 4. As reported by EcoMatin, the rules are these 4:

  • Credit institutions must check that prefinancing of an inward remittance was preceded by repatriation of the matching foreign currency into the CEMAC zone 4.
  • Prefinancing received without enough proof of repatriation must be rejected by the bank and returned to the sender 4.
  • Payment institutions must send their bank proof of payment to beneficiaries within eight working days after the prefinancing is booked 4.
  • Payment institutions must send the BEAC a monthly statement of prefinancing received and a report of inward remittance operations 4.

Official texts and what the averages leave out

The BEAC payment systems page publishes Règlement N° 04/18/CEMAC/UMAC/COBAC of 21 December 2018 on payment services in the CEMAC zone, with related instructions and circulars 5.

RPW prices are collected by researchers posing as customers and contacting firms in each corridor 6. Fees and taxes charged in the receiving country are not tracked in the database 6. The global average cost of sending remittances was 6.36% in Q3 2025 2.

Common questions

What does it cost to send €140 from France to Cameroon?

The RPW average for Q3 2025 was 3.08%, or €4.31. Individual services ranged from 1.26% to 6.26% 1.

Is it cheaper to send to a mobile wallet in Cameroon?

It depends on the provider. WorldRemit cost 2.70% to a mobile wallet and 4.41% or more for cash pickup. Remitly charged 1.26% for all three payout types 1.

What did the BEAC change for inward remittances in 2026?

An instruction signed on 5 May 2026 requires proof that foreign currency was repatriated before an inward remittance is prefinanced, as reported by EcoMatin 4.

How much money flows into the CEMAC zone by mobile money?

The BEAC reported more than FCFA 557 billion received from abroad through mobile money in 2023 3.

Rules and fees change. Check the official site linked above before you apply or pay. Spotted an error? Email [email protected] with the official link.

Sources

  1. World Bank Remittance Prices Worldwide: Sending money from France to Cameroon (Q3 2025 data)
  2. World Bank: Remittance Prices Worldwide main report and annex, Issue 54, Q3 2025 data (September 2025)
  3. BEAC: Rapport sur les services de paiement dans la CEMAC, 2023
  4. EcoMatin, by Cedrick Jiongo: La BEAC ferme une brèche dans les transferts de la diaspora vers la CEMAC (8 June 2026)
  5. BEAC: Systèmes de paiement, instructions, circulaires et règlements (accessed 20 October 2026)
  6. World Bank: Remittance Prices Worldwide methodology (accessed 20 October 2026)

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