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Lomé Digital Bank · Digital Bank Accounts · Togo

Best Digital Bank Accounts in Lomé

Compare digital bank accounts providers available to Lomé, Togo residents — with clear fees, features, and eligibility in one place.

Eligibility, pricing, and availability vary by provider, residency, and regulation in Togo. Confirm the terms directly with each provider before opening an account.

Featured Digital Bank Accounts Providers

Updated October 2026

Up to three eligible picks for Lomé, ranked from our verified partner directory for Togo. Availability in Togo and eligibility criteria are set by each provider.

Top Pick

Ally

4.7

Top Digital Bank Accounts Provider

Ally offers reliable digital bank accounts services with competitive rates and global coverage.

  • Global Access
  • Low Fees
  • Fast Setup

Availability in Togo and eligibility criteria are determined by the provider. Check terms before applying.

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Axos

4.7

Axos offers reliable digital bank accounts services with competitive rates and global coverage.

  • Global Access
  • Low Fees
  • Fast Setup

Availability in Togo and eligibility criteria are determined by the provider. Check terms before applying.

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Revolut

4.7

Revolut offers reliable digital bank accounts services with competitive rates and global coverage.

  • Global Access
  • Low Fees
  • Fast Setup

Availability in Togo and eligibility criteria are determined by the provider. Check terms before applying.

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How we pick: providers shown here come from our verified affiliate directory filtered by availability in Africa and Togo, competitive fees, multi-currency support, and user ratings. Rankings may include affiliate partners — see the disclosure below.

Local guide

Digital Bank Accounts in Lomé: what to know

A digital bank account lets people in Lomé, Togo open and manage an account from a phone, without visiting a branch. If you earn or spend in XOF (West African CFA franc (the BCEAO-issued currency of the UEMOA zone, pegged to the euro)), compare whether each provider gives you local account details or only an international IBAN.

Currency in Togo
XOF · West African CFA franc (the BCEAO-issued currency of the UEMOA zone, pegged to the euro)
Local accounts in Togo
Togolese accounts use the UEMOA-wide 28-character IBAN starting TG, whose tail combines the bank and branch codes with the 16-digit account number.
Payments in Togo
SICA-UEMOA clears regional transfers and STAR settles large-value payments for the whole zone; within Togo, mobile money dominates daily payments through Togocom's TMoney and Moov Africa's Flooss, whose agent networks cover most of the country. Lomé is also a regional fintech hub hosting several licensed e-money issuers.

Before you sign up in Lomé

Togolese accounts use the UEMOA-wide 28-character IBAN starting TG, whose tail combines the bank and branch codes with the 16-digit account number. Confirm the provider is authorised by Banque Centrale des États de l'Afrique de l'Ouest (BCEAO) or passported into Togo.

Sources: BCEAO: banking supervision and payment systems · BCEAO payment systems annual report · IBAN registry: Togo structure

All Digital Bank Accounts Providers in Lomé

25 providers to compare, including the three featured above.

  • #4

    N26

    4.7

    N26 offers reliable digital bank accounts services with competitive rates and global coverage.

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  • #5

    Bunq

    4.7

    Bunq offers reliable digital bank accounts services with competitive rates and global coverage.

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  • #6

    Wise

    4.7

    Wise offers reliable digital bank accounts services with competitive rates and global coverage.

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  • #7

    Jetonbank

    Global money management built for business

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  • #8

    Globe Digital Bank

    WorldFirst-powered multi-currency accounts and transfers across 2,500+ cities and 200+ countries.

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  • #9

    Airwallex

    Global financial infrastructure for modern businesses

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  • #10

    Majority

    The mobile banking membership built for immigrants in the US

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  • #11

    Chime

    Get $100 when you join — automatic savings, zero fees, no stress

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  • #12

    Current

    We'll both earn $100 — get paid 2 days early & $750 Paycheck Advance

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  • #13

    Monzo

    The bank account that works harder for you

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  • #14

    Starling Bank

    Award-winning banking for personal and business

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  • #15

    Payoneer

    Get paid globally. Pay suppliers. Grow your business.

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  • #16

    Simplii Financial

    Canada's no-fee digital bank — global transfers, cash back & New to Canada banking

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  • #17

    Monese

    Banking for everyone — regardless of where you come from

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  • #18

    PayPal

    The world's most trusted way to pay and get paid

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  • #19

    Klarna

    Shop now, pay later — on your terms

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  • #20

    Nubank

    Latin America's banking revolution — now the world's largest digital bank

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  • #21

    SoFi

    Get your money right — the all-in-one US financial app

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  • #22

    KOHO

    Everyday spending and saving for Canadians

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  • #23

    EQ Bank

    Canadian digital bank with high-interest savings and no-fee everyday accounts.

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  • #24

    Discovery Bank

    South African digital bank linking accounts and cards to the Vitality rewards programme.

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  • #25

    Kuda

    Nigerian digital bank with free transfers, savings and a debit card.

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More Financial Services in Lomé

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Digital Bank Accounts in Other Cities

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Frequently Asked Questions

Common questions about digital bank accounts in Lomé

Ready to Choose Your Digital Provider?

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Disclosure: Digital Bank Networks is not a bank. We are an independent comparison platform. Some of the providers on this page are our affiliate partners, and we may receive compensation when you open an account through our links. This does not affect our ratings or rankings, which are based on independent analysis. All information is provided for educational purposes only. Please review each provider's terms and conditions before opening an account.