Budgeting for an extended stay in West Africa

Budget for $60–$80 per day to maintain a comfortable mid-range lifestyle, including local transport, modest guesthouses, and market-based meals. Prices vary significantly between capitals like Dakar or Abidjan and smaller interior towns, so build a 20% contingency fund for unexpected price fluctuations.

1. Establish a base currency. Most of West Africa uses the CFA Franc (XOF or XAF), which is pegged to the Euro. Avoid bringing large amounts of USD cash; instead, use a debit card with low international fees to withdraw local currency at ATMs in major cities.
2. Account for 'The Tourist Premium'. Assume you will initially pay more for goods than locals. Spend your first few days in a new city observing prices at local markets before making major purchases to understand the baseline cost.
3. Prioritize local transport over private cars. Budgeting for private taxis will double your daily spend. Learn the 'sept-place' (seven-seat) bush taxi system or local 'tata' buses; these cost a fraction of private hires and allow you to stay within your daily budget.
4. Build in a 'Hassle' Buffer. Always keep an extra $10-$15 in small denominations for unexpected tips, informal parking fees, or small bribes often encountered at remote checkpoints or border crossings.

Is it cheaper to pay in cash or card?

Cash is king. Most small vendors and transport hubs do not accept cards. Using a card will only be possible in high-end hotels and supermarkets in major capitals.

Should I bring USD or Euros?

Euros are generally easier to exchange in CFA-using countries due to the currency peg, but ATMs are the most cost-effective way to get money.