Travelling soon and looking for best ATMs in Togo that work well with foreign debit/credit cards and dont charge crazy fees. Any recos will be highly appreciated.
When I was in Togo, I relied mostly on Ecobank ATMs in Lomé and Kara. Cards like Visa worked fine and fees were manageable, usually a flat fee per withdrawal. Daily limits in these ATMs were big enough for a few days’ worth of cash. Smaller ATMs near markets didn’t accept my card, so I always headed to main bank branches.
Most travelers I met in Togo said Société Générale had the most reliable ATMs for foreigners. I could withdraw around 200,000 XOF a day with my Visa card and only paid about 3,000 XOF per withdrawal. Watch out for sketchy ATMs in street corners; I’ve heard of some rejecting foreign cards. Big banks in central Lomé and Lome Airport are your safest points for cash.
I traveled through Togo last year and found that Ecobank and Orabank ATMs accepted both Mastercard and Visa without major problems. Fees were standard-not cheap but not outrageous either, roughly 3000-4000 CFA per transaction. I stayed near the beach in Aneho, and the local folks recommended sticking to ATMs inside banks in Lomé for better security and fairer rates.
If you’re heading to Lomé, Société Générale Togo and Ecobank ATMs are your best bets for withdrawing cash with foreign cards. I used my Visa debit at Société Générale and wasn’t hit with crazy fees-usually a flat 2,000 to 3,000 XOF per withdrawal. Daily withdrawal limits are decent, like 100,000 to 300,000 XOF. Avoid small, independent ATMs near markets or bus stations-they can seriously jack up fees.