The Central Bank of Congo (BCC) intends to strengthen the use of the Congolese franc in commercial transactions. Its governor, André Wameso, has announced that, from 9 April 2027, commercial cash payments must be made in the national currency. Transactions in foreign currency will nevertheless remain possible through banking and electronic channels, according to MediaCongo.
The Congolese franc at the centre of trade
This measure aims to reorganise payment practices on the domestic market, where the US dollar plays a significant role in many transactions. By reserving cash settlements for the Congolese franc, the BCC intends to consolidate the role of the national currency and encourage its use in everyday trade.
For economic operators, this change will mean adapting invoicing, cash collection and treasury management habits. Shops, distribution companies and service providers that regularly receive payments in dollars in banknote form will need to make arrangements before the measure takes effect. Access to Congolese francs and to banking services will be decisive for its implementation.
Foreign currencies remain permitted
The announcement does not mean that holding foreign currency becomes illegal in the Democratic Republic of Congo. Individuals and companies will still be able to hold dollars or other foreign currencies. The restriction concerns commercial cash payments, not the possession of foreign currency.
Settlements in foreign currencies will remain possible when they go through banks or authorised electronic means. This distinction is essential to avoid confusing the regulation of cash payments with a general ban on the dollar.
An implementation challenge for businesses
The success of this approach will depend on the clarity of the practical provisions, on raising awareness among traders and on the effectiveness of payment infrastructure. In an economy where cash retains an important place, businesses will need accessible solutions to continue operating without disrupting trade.
The 9 April 2027 deadline gives those concerned time to adapt their systems and practices. The challenge will be to increase the use of the Congolese franc in domestic transactions, while maintaining reliable mechanisms for foreign-currency payments through formal channels.
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