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Pay the world
from Africa

One multi-currency account to settle your suppliers abroad and get paid by your customers in Europe and America, in minutes.

Download the appAndroid
8
Countries served
30+
Currencies available
1 %
In fees, all in
0 F
To open an account
Solutions

One account here,
accounts everywhere else

Get paid like a local in Europe, the United States and the United Kingdom, cash out in CFA francs, settle suppliers as far as China — all from the same app.

Get paid

Three bank accounts

A European account in euros, an American one in dollars, a British one in pounds. Your customers pay you with the details they already know.

See the accounts
Cash out

CFA franc withdrawals

What you collect abroad comes back in local currency, to your mobile money or over the counter. XOF available, XAF coming soon.

See withdrawals
Pay

Bill payments anywhere

Settle a supplier wherever they are, as far as China. The rate and the fees are on screen before you confirm.

See payments
Why SOKO

What SOKO runs
under the hood

Behind the app, the same building blocks serve the company settling a supplier abroad and the family cashing out in CFA francs.

Multi-currency accounts

Your CFA francs and your digital dollars live in the same account. Nothing to open elsewhere to move between them.

Exchange at the best rate

The rate and the fees appear before you confirm. What you see on screen is what you pay.

Local withdrawals

Bring your balance back in CFA francs, to your mobile money or over the counter, without going through a bureau de change.

Supplier payments

Settle a supplier by international transfer, as far as China, straight from the balance you already hold.

Card

A card backed by your account, to pay online and in store without fronting the money somewhere else.

Security

PIN code, trusted device and identity verification: a sensitive operation never goes through on its own.

One account,
six ways to use it

Importers

Settle a supplier in China or Dubai without spending three days at the bank.

Learn more

Shops and merchants

Collect from your customers, cash out in CFA francs the same day.

Learn more

Small and mid-sized businesses

Several users, clear roles, and your supplier invoices in one place.

Learn more

Diaspora

Send money home from Europe or America, at the rate shown on screen.

Learn more

Freelancers and creators

Get paid by your foreign clients into an account with local details they recognise.

Learn more

Bureaux de change

A balance in foreign currency, a rate you control, movements you can trace.

Learn more

Carry SOKO
in your pocket

Check your balances, settle a supplier and follow your transfers, wherever you are.

Download the appAndroid
The SOKO app and the Soko Visa card
Case studies

Three ways to use
a SOKO account

See how an importer, a workshop and an agency collect, pay and cash out on the same account. These three situations are examples: the first customer stories will replace them here.

Example
Import — Abidjan
“I used to pay my Chinese suppliers by bank transfer: three days of waiting and two trips to the branch for every container. Now I prepare the payment from my phone, the supplier confirms the same day, and I know what they will receive before I confirm.”
IASample storySpare parts importer
See the import journey
Example
Textile workshop — Cotonou
“The workshop buys its fabric in Dubai and sells across the region. Foreign currency lands in the account, the wages go out in CFA francs to the seamstresses' mobile money, and the rest funds the next order. One account instead of three separate circuits.”
ACSample storyGarment workshop, 12 people
See the workshop journey
Example
Digital agency — Dakar
“Our European clients transfer the money to local bank details, just like paying any supplier in their own country. We follow the payment in the app and cash out what we need, when we need it.”
ADSample storyDigital services agency
See the agency journey
FAQ

Frequently asked questions

Which countries is SOKO available in?

SOKO covers eight countries in West and Central Africa. You can open an account there, receive money and cash out in local currency.

How much does a transfer cost?

1 % of the amount, all in. The exchange rate applied is the one shown on screen: SOKO takes no margin on it. Opening an account is free.

What documents do I need to open an account?

A valid ID, and for a company, its registration documents. Everything happens from the phone, with no trip to a branch.

How long does the money take to arrive?

A few minutes to most destinations. The expected time appears before you confirm, along with the exact amount the recipient will get.

Can I receive a transfer from Europe or the United States?

Yes. Your account comes with local bank details in euros, dollars and pounds: your customers pay you the way they would pay any supplier in their own country.

How do I withdraw my money in CFA francs?

To your mobile money or your bank account, in XOF. Withdrawals in XAF are coming soon.

Can I pay a supplier in China?

Yes, as in most countries in Asia and the Gulf. You enter the invoice and the supplier's details, and SOKO handles the rest.

Is my money safe?

Every account is verified before it can be used, every sensitive operation is confirmed with a PIN code, and a new device has to be approved before it can act.

A question that isn't here?

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Start paying the world
from Africa

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Pricing you can read

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Funds kept safe

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