How to Top Up Your XAF Account on Niobi
Learn how to fund your Niobi XAF account. Step-by-step guide for bank transfers, mobile money, and online payments in Central African CFA franc.
By Niobi Team · Published 2026-06-24
How to Top Up Your XAF Account on Niobi
Your Niobi XAF account allows you to hold Central African CFA Francs (XAF) for seamless business transactions with vendors, customers, and partners across the CEMAC region (including Cameroon, Gabon, Chad, Republic of the Congo, Equatorial Guinea, and Central African Republic).
The Niobi platform supports funding your XAF wallet through two methods: an external Mobile Wallet Deposit (via an automated STK push notification sent directly to your phone) or an internal Currency Conversion using your existing multi-currency balances. Direct traditional bank deposits are not available at this time.
Time to complete: 2–5 minutes depending on the selected method.
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Before You Start
Make sure you have:
- An active Niobi account with the XAF currency wallet enabled.
- An active mobile money account with a registered SIM card from a supported network.
- An existing funded balance in another Niobi wallet (for Currency Conversion).
- Completed your two-factor authentication (2FA) login.
Step-by-Step Funding Methods
Method 1: Mobile Wallet Deposit
Niobi uses an automated STK push system to pull funds directly from your mobile wallet, requiring you only to authorize the transaction via your phone's PIN prompt. Niobi supports three mobile networks for XAF: MTN MoMo, Orange Money, and Moov.
- Dashboard
- Initiate the Process: Log into your Niobi dashboard. From the main panel, click the Receive Payments button.
- Currency Wallet
- Select XAF: A popup window will appear. Choose XAF from the currency dropdown menu to isolate Central African CFA Franc funding options.
- Funding Type
- Select Mobile Wallet: From the available pathways, select Mobile Wallet.
- Provide Details
- Select Network & Number: Choose your specific Mobile Network Operator (MTN MoMo, Orange, or Moov) from the dropdown list. Enter your mobile money phone number, input the exact amount you wish to deposit in XAF, and click Proceed.
- Phone Authentication
- Authorize the STK Push: Keep your mobile phone close by. Within a few seconds, an automated secure prompt (STK push) will appear on your screen requesting your mobile money PIN. Enter your PIN to approve the transaction.
- Execute Order
- Log the Reference: Once your phone registers a successful transaction receipt from the network provider, copy the transaction reference number from your network SMS, paste it back into the Niobi confirmation window, and click Confirm to instantly credit your funds.
Processing Timeline: Mobile wallet deposits process immediately and clear into your balance within a few minutes.
Method 2: Currency Conversion
If you already hold funds in alternative Niobi balances (like USD, GBP, or KES), you can swap them into XAF instantly without interacting with external mobile telecom or banking networks.
- Dashboard
- Initiate the Process: Log into your Niobi dashboard. From the main panel, click the Receive Payments button.
- Currency W