Is Togo cashless?
Cash essential#161 of 197 in The Cashlessy Index 2026 · #32 of 54 in Africa
Short answer: Bring or withdraw enough cash for your trip. Cards will rarely help.
A cash economy outside a few hotels in Lome.
Will my card work?
Rarely or not at all. Do not count on using a foreign card in Togo.
Do I need cash?
Yes, plenty. Most payments in Togo are made in cash, so plan how you will get it.
Local currency: West African CFA franc (XOF)
How does tipping work?
5-10% in restaurants.
Mobile payments
Local apps often need a local bank account or phone number.
Frequently asked questions
Is Togo cashless?
Togo scores 10/100 on Cashlessy (cash essential), ranking #161 of 197 countries. A cash economy outside a few hotels in Lome.
Do I need cash in Togo?
Yes, plenty. Most payments in Togo are made in cash, so plan how you will get it.
Are credit cards accepted in Togo?
Rarely or not at all. Do not count on using a foreign card in Togo.
Do you tip in Togo?
5-10% in restaurants.
Compare with Africa
Editorial estimate, last reviewed September 2026. Payment habits change quickly; see how we score.