With Coinepay you can send money to DR Congo quickly and securely, whether you are supporting family, helping friends or paying a business partner. Set up your money transfer to DR Congo from the Coinepay app or dashboard and track it from start to finish.
- Fast: transfers can arrive in as little as 10 minutes, depending on the payout method and the destination country.
- Clear pricing: the exchange rate and all fees are shown before you confirm.
- Flexible payouts: bank deposit, mobile wallet and cash pickup are supported.
How to send money to DR Congo
- Enter the amount and choose the currency the recipient should get. Coinepay supports multiple currencies, so you can send and settle in the one that suits your recipient.
- Add the recipient and choose the payout method — bank deposit, a mobile wallet or cash pickup — then enter the details for that method.
- Review the rate and fees, confirm and pay, then follow the transfer in the app with live status tracking.
How long does a transfer to DR Congo take?
Transfers to DR Congo can arrive in as little as 10 minutes; the actual time depends on the payout method and the receiving bank or provider, and the estimated arrival time is shown in the app before you confirm.
| Payout method | What the recipient needs | What affects delivery time |
|---|---|---|
| Bank deposit | Full legal name, account number and the bank's SWIFT/BIC | Receiving bank processing and cut-off times, and compliance review |
| Mobile wallet (Airtel Money, Orange Money, M-Pesa, Illico Cash) | Registered name and wallet number (DR Congo numbers typically start 243) | Provider processing and whether the wallet is active and verified |
| Cash pickup | Full name as sent and the transfer reference number | Agent location hours and identity verification at collection |
Speed can also be affected by receiving-bank cut-off times, weekends and local holidays, identity or compliance checks, and incorrect recipient details that need correcting.
How much does it cost to send money to DR Congo?
The exchange rate and every fee are shown in the Coinepay app before you confirm the transfer, so you can see the full cost before you commit. The total depends on the amount you send, the currency the recipient receives and the payout method you choose. Your recipient should also check whether their own bank or wallet provider charges a fee to receive incoming funds, as that is outside Coinepay's control.
Ways to receive money in DR Congo
Bank deposit
Funds are paid into the recipient's bank account. You will need the recipient's full legal name exactly as held by the bank, their complete account number and the bank's SWIFT/BIC code. DR Congo has no national ISO IBAN format, so use the account identifier supplied by the receiving bank — for example, TMB customers receive to their PEPELE Mobile account identifier together with TMB's SWIFT code. Confirm the exact details with the receiving bank before sending.
Mobile wallet
DR Congo wallets commonly used for incoming transfers include Airtel Money, Orange Money, M-Pesa and Illico Cash. The recipient needs the name registered to the wallet and the wallet phone number (DR Congo numbers typically begin with 243). Make sure the wallet is active and able to receive the amount.
Cash pickup
The recipient collects cash at an agent location. They need valid government-issued identification and the transfer reference number you share with them; if they cannot complete identification, the payout cannot be released.
What you need to send money to DR Congo
- A verified Coinepay account (registration and identity verification completed).
- The recipient's full legal name exactly as shown on their account or ID.
- The payout details for your chosen method — bank account and SWIFT/BIC, wallet number, or the information needed for cash pickup.
- The purpose of the transfer and, if asked, source-of-funds information. DR Congo foreign-exchange rules can require a declaration through an approved bank for larger incoming amounts, so the recipient may need to provide supporting documents.
The local currency is the Congolese franc (CDF). Note that DR Congo is not the same as the Republic of the Congo, which uses XAF — confirm you are sending to the correct country.
How Coinepay keeps your transfer safe
Every money transfer to DR Congo is subject to identity verification and sanctions screening of customers and counterparties. Card issuance and fund services are provided by licensed partner financial institutions, and your connection is encrypted. You can follow each transfer with live status tracking, and 24/7 support is available if you have a question. Coinepay may ask for documents such as the purpose or source of funds to meet local regulations before releasing a payment.
Send money to DR Congo with the Coinepay app
Download Coinepay on the App Store or Google Play, or create your account to start your first transfer. Need help before you send? Contact Coinepay support any time.
Get your Coinepay virtual card: Sign up · App Store · Google Play · Customer support
FAQ
What is the fastest way to send money to DR Congo?
Choose the payout method that suits your recipient — bank deposit, a mobile wallet such as Airtel Money, Orange Money, M-Pesa or Illico Cash, or cash pickup. Transfers can arrive in as little as 10 minutes, depending on the payout method and destination. The estimated arrival time is shown in the app before you confirm.
How long does a transfer to DR Congo take?
It can arrive in as little as 10 minutes, but the actual time depends on the payout method and the receiving bank or provider. Receiving-bank cut-off times, weekends, local holidays and compliance checks can affect speed. Coinepay shows the estimated arrival time before you confirm.
What details do I need to send money to DR Congo?
You need a verified Coinepay account and the recipient's full legal name exactly as on their account or ID. For bank deposit, add the account number and the bank's SWIFT/BIC; for a wallet, the registered wallet number; for cash pickup, the reference number. You may also be asked for the purpose of the transfer.
Can the recipient get the money in a mobile wallet or as cash?
Yes. Coinepay supports mobile wallet payouts to providers used in DR Congo such as Airtel Money, Orange Money, M-Pesa and Illico Cash, as well as cash pickup and bank deposit. For cash pickup the recipient needs valid ID and the transfer reference number.
Send money to other countries
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