How to Send Funds to Your Verto Wallet

Send the amount of XOF you'd like to add to your Verto wallet using the bank details provided in your dashboard, ensuring you:

Keep payments under 150M XOF for faster processing: Send in amounts less than 150M XOF per transaction (e.g., split a payment of 300M XOF into two separate 150M XOF transfers) to avoid regional clearing delays.
Format your reference correctly: Include the payment reference only in the exact format shown below, including your SmartWallet ID:
Verto + Your SmartWallet ID (e.g., Verto V5MIOV28OP)
Use the correct account number format: Use the full 28-character IBAN.
Match the account name exactly: Ensure the beneficiary name matches the official account records (e.g., Verto's local account name) to avoid processing delays in the regional clearing system.

Uploading Your Proof of Payment

Once you have completed the bank transfer, submit your confirmation details:

Locate your transfer receipt or bank confirmation statement.
Upload your proof of payment using the submission form in your Verto dashboard.

⏱️ Processing Time: Once uploaded, your funds will typically be processed and added to your wallet within two working days.

How to Send Funds From Verto

How to add a beneficiary

When adding a recipient for West African CFA Franc (XOF) payments, a valid 28-character International Bank Account Number (IBAN) is required to ensure error-free processing.

This applies to all 8 member countries of the West African Economic and Monetary Union (UEMOA/WAMU): Benin, Burkina Faso, Guinea-Bissau, Ivory Coast, Mali, Niger, Senegal, and Togo.

Step-by-Step: Adding a XOF Recipient

Go to the Recipients section on your Verto dashboard and select Add Manually.
Choose XOF as the payout currency.
Enter the recipient's bank details using the 28-character IBAN format (see reference table below).
Double-check the details and click Save.

XOF IBAN Structure & Country Reference

An XOF IBAN always consists of 28 characters total: [2-Letter Country Code] + [2 Check Digits] + [24-Character Local BBAN]

1. BBAN vs. IBAN: What’s the Difference?

Think of your BBAN as your local address and your IBAN as your full international address.

BBAN (Basic Bank Account Number): The standard 24-character account format used for transfers within your country or between WAMU member states.
IBAN (International Bank Account Number): The 28-character format required for transfers originating outside the region (e.g., Europe or North America). It takes your local 24-character BBAN and simply adds a 2-letter Country Code and 2 Check Digits to the front.
Key Rule: Every country in the WAMU region uses a 24-character BBAN and a 28-character IBAN.

2. Breakdown of a WAMU Bank Account Number

Whether you are looking at a domestic account slip (Relevé d'Identité Bancaire / RIB) or an IBAN, your account number is made up of clear, standardised blocks:

Breakdown of Components

Country Code (2 Letters): Identifies the recipient’s country (e.g., SN for Senegal, CI for Ivory Coast).

IBAN Check Digits (2 Numbers): Used by international systems to instantly catch typos before money is sent.

Bank Code (5 Characters): Identifies the specific bank.

Branch Code (5 Digits): Identifies the specific bank branch where the account was opened.

Account Number (12 Characters): The individual’s unique account identifier.

RIB Key (2 Digits): A local verification code (Clé RIB) used across French-speaking banking systems.

Reference Sheet by Country

Use this table to verify the country code and expected structure when entering payee details:

Country	Country Code	Total Length	Structure	Example IBAN
Benin	`BJ`	28 Chars	BJ + 2 digits + 24-char BBAN	`BJ00 1234 5123 4512 3456 7890 1234`
Burkina Faso	`BF`	28 Chars	BF + 2 digits + 24-char BBAN	`BF00 1234 5123 4512 3456 7890 1234`
Guinea-Bissau	`GW`	28 Chars	GW + 2 digits + 24-char BBAN	`GW00 1234 5123 4512 3456 7890 1234`
Ivory Coast (Côte d'Ivoire)	`CI`	28 Chars	CI + 2 digits + 24-char BBAN	`CI00 1234 5123 4512 3456 7890 1234`
Mali	`ML`	28 Chars	ML + 2 digits + 24-char BBAN	`ML00 1234 5123 4512 3456 7890 1234`
Niger	`NE`	28 Chars	NE + 2 digits + 24-char BBAN	`NE00 1234 5123 4512 3456 7890 1234`
Senegal	`SN`	28 Chars	SN + 2 digits + 24-char BBAN	`SN00 1234 5123 4512 3456 7890 1234`
Togo	`TG`	28 Chars	TG + 2 digits + 24-char BBAN	`TG00 1234 5123 4512 3456 7890 1234`

Note: The 2 check digits immediately following the 2-letter country code vary based on the specific bank account and are dynamically calculated by the issuing bank.

Resolving “Check Country Code - Country Code Does Not Match BIC” Errors

This validation error occurs when the entered bank details do not pass regional IBAN formatting rules. To fix this error, check the following:

Missing Country Prefix: Ensure the IBAN starts with the correct 2-letter ISO code for the beneficiary's country (e.g., SN for Senegal, CI for Ivory Coast, BJ for Benin).
Incorrect Total Length: The IBAN must contain exactly 28 characters. Local BBAN numbers (24 characters) will be rejected unless the 2-letter country code and 2 check digits are prefixed.
Formatting Issues: Remove any accidental spaces, hyphens, or special characters when pasting into the recipient input field.

How to Bulk Upload Beneficiaries

Guide for XOF payments