Togo

Identity verification (KYC) and AML/CFT in Togo

In Togo, banks apply the common BCEAO framework and report suspicions to the CENTIF-Togo. Verita reads the Togolese national ID card and passport, compares the customer’s face with the document and screens the name against sanctions and PEP lists.

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Togo at a glance

Central bank: BCEAO (Central Bank of West African States), shared by the eight states
Banking supervisor: WAMU Banking Commission
Financial intelligence unit: CENTIF-Togo
FATF-style regional body: GIABA
AML/CFT law: New AML/CFT/PF law adopted on 27 February 2026
Data protection: Law No. 2019-014 of 29 October 2019; authority: IPDCP
National ID document: National ID card (DGDN); biometric e-ID Togo card (ANID)
Business register: RCCM (OHADA area); Business formalities centre (CFE) at the Togo chamber of commerce
Tax identification number: NIF (tax identification number)
Currency: CFA franc (XOF)
Official language: French
FATF status (June 2026 plenary): Not under increased monitoring
Insurance: CIMA member

What Verita checks today in Togo

Identity documents: the Togolese national ID card and the passport, with the MRZ read.
Passports from every country, in the ICAO 9303 format.
Face match, liveness and sanctions (UN, OFAC, EU, UK) and PEP screening, as on every file.
Businesses: automatic registry cross-checks are available for Côte d’Ivoire; for Togo, we scope them in a pilot.

The AML/CFT framework in Togo

Togo is part of the WAEMU: the BCEAO and the WAMU Banking Commission supervise banks. A new AML/CFT/PF law, which transposes the 2023 WAEMU directive and replaces the 2018 law, was finally adopted on 27 February 2026. The country was not under FATF increased monitoring after the June 2026 plenary.

Alongside the national ID card, ANID issues the biometric e-ID Togo card with a unique identification number; it is set up in a pilot.

What is set up in a pilot

Banks in Togo apply the same BCEAO instructions as Ivorian banks: Verita’s checks, visible reasoning and audit trail apply as they are. The national FIU’s own report format is set up in a pilot.

Personal data

Law No. 2019-014 of 29 October 2019 on personal data protection, supervised by the IPDCP, governs the processing of personal data in Togo; face photos and identity documents are part of it. Verita can be installed on your own servers so that this data stays inside your perimeter, and every access is logged in the audit trail.

Frequently asked questions

Does Verita read the Togolese national ID card?

Yes. The Togolese national ID card and the passport are supported, along with face match and liveness.

Who do banks in Togo report suspicions to?

To the CENTIF-Togo. Verita prepares the report and has it approved by two people in your institution; your reporting officer sends it.

Is KYB available in Togo?

Automatic business-registry cross-checks are available for Côte d’Ivoire. For this country, we scope them with you in a pilot.

Can Verita be installed on our own servers?

Yes. On-premise installation is possible: documents and personal data never leave your infrastructure.

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