Chad is a landlocked nation at the crossroads of North and Central Africa, characterized by its vast Saharan deserts and the fertile Lake Chad basin. Its capital and largest city, N’Djamena, is the center of the country’s economic activity. With a population of approximately 21.7 million in 2026, the economy is primarily driven by oil production and agriculture. Major exports include crude petroleum—accounting for over 80% of revenue—alongside cotton, cattle, and gum arabic, with 2026 seeing renewed growth in the mining and telecommunications sectors.
Money Transfer Locations
Western Union
Western Union services in Chad are primarily facilitated through Ecobank, Société Générale, and Express Union networks.
- N’Djamena – Avenue Charles de Gaulle, Avenue Mobutu, and Moursal
- Moundou – Commercial District and Main Market
- Sarh – Near the Chari River trade hub
- Abéché – Ouaddaï Region center
- Kélo – Tandjilé Region hub
- Koumra – Mandoul Region
- Pala – Mayo-Kebbi Ouest District
- Am Timan – Salamat Region
- Bongor – Near the border with Cameroon
- Doba – Oil production hub area
- Mao – Kanem Region center
- Faya-Largeau – Northern Saharan hub
MoneyGram
MoneyGram is widely accessible through United Bank for Africa (UBA) and Orabank branches in major urban centers.
- N’Djamena – Quartier Chagoua and Bololo
- Moundou – Near the industrial zones
- Abéché – Main Market Square
- Amdjarass – Ennedi Est hub
- Farchana – Near the border transit zones
Ria Money Transfer
Ria services are primarily found in BCC (Banque Commerciale du Chari) and specialized Wafacash agent locations.
- N’Djamena – Boulevard de l’Indépendance
- Sarh – Central Market area
- Moundou – Avenue de la Gare
Mobile Money & Digital Payouts
In 2026, digital remittances have expanded significantly, allowing direct transfers to mobile wallets via:
- Moov Money (Moov Africa Chad) – Extensive national coverage
- Airtel Money Chad – Widely used for rural payouts
- Express Union Mobile – Integrated cash-to-digital service
Major Bank & Financial Partners
The following institutions handle the majority of international SWIFT transfers and high-volume bank remittances in Chad:
- Ecobank Chad (Largest international network)
- Société Générale Tchad
- United Bank for Africa (UBA) Chad
- Orabank Tchad
- BCC (Banque Commerciale du Chari)
- CBT (Commercial Bank Tchad)
- BSIC (Banque Sahelo-Saharienne pour l’Investissement et le Commerce)
- Express Union (Primary agent for sub-regional remittances)