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CFA franc

CFA franc is the name of two currencies used by 210 million people in fourteen African countries: the West African CFA franc, used in eight West African countries, and the Central African CFA franc, used in six Central African countries. The ISO currency codes are XOF for the West African CFA franc and XAF for the Central African CFA franc. Although the two currencies are commonly called CFA franc and (currently) have the same value, they are not interchangeable. It is therefore not a common monetary zone but two juxtaposed zones.

Usage
CFA francs are used in fourteen countries: twelve nations formerly ruled by France in West and Central Africa (excluding Guinea and Mauritania, which withdrew), plus Guinea-Bissau (a former Portuguese colony), and Equatorial Guinea (a former Spanish colony). These fourteen countries have a combined population of 210.4 million people (as of 2023), and a combined annual GDP of US$313.7 billion (as of 2023). ==Name==
Name
Between 1945 and 1958, CFA stood for ("French colonies of Africa"); then for ("French Community of Africa") between 1958 (establishment of the French Fifth Republic) and the independence of these African countries at the beginning of the 1960s. or Coopération financière en Afrique centrale (see Institutions below). ==History==
History
Creation The CFA franc was created on 26 December 1945, along with the CFP franc. The reason for their creation was the weakness of the French franc immediately after World War II. When France ratified the Bretton Woods Agreement in December 1945, the French franc was devalued in order to set a fixed exchange rate with the US dollar. New currencies were created in the French colonies to spare them the strong devaluation, thereby making it easier for them to import goods from France (and simultaneously making it harder for them to export goods to France). French officials presented the decision as an act of generosity. René Pleven, the French Minister of Finance, was quoted as saying: Exchange rate The CFA franc was created with a fixed exchange rate versus the French franc. This exchange rate was changed only twice, in 1948 and in 1994 (besides nominal adaptation to the new French franc in 1960 and the Euro in 1999). Exchange rate: • 26 December 1945 to 16 October 1948 – F.CFA 1 = 1.70 French franc. This 70 centime premium is the consequence of the creation of the CFA franc, which spared the French African colonies the devaluation of December 1945 (before December 1945, 1 local franc in these colonies was worth 1 French franc). • 17 October 1948 to 31 December 1959 – F.CFA 1 = 2 French francs (the CFA franc had followed the French franc's devaluation versus the US dollar in January 1948, but on 18 October 1948, the French franc devalued again and this time the CFA franc was revalued against the French franc to offset almost all of this new devaluation of the French franc; after October 1948, the CFA followed all the successive devaluations of the French franc) • 1 January 1960 to 11 January 1994– F.CFA 1 = NF 0.02 (1 January 1960: the French franc redenominated, with 100 old francs becoming 1 new franc) • 12 January 1994 to 31 December 1998– F.CFA 1 = F 0.01. An overnight 50% devaluation. • 1 January 1999 onwards – F.CFA 100 = €0.152449 or €1 = F.CFA 655.957. (1 January 1999: the euro replaced FRF at the rate of 6.55957 FRF for 1 euro) The 1960 and 1999 events merely reflect changes of currency in use in France: the actual relative value of the CFA franc versus the French franc/euro only changed in 1948 and 1994. Changes in countries using the franc In 1960, the period of global decolonization began, marking the end of European empires on the African continent. France disappeared from the map, leaving behind the CFA franc, a legacy of colonization, which circulates in almost all former French possessions in Africa. Over time, the number of countries and territories using the CFA franc has changed as some countries began introducing their own separate currencies. A couple of nations in West Africa have also chosen to adopt the CFA franc since its introduction, despite the fact that they had never been French colonies. • 1960: Guinea leaves and begins issuing Guinean francs. which changed later to the Euro. • 1976: Mayotte leaves for French franc, which changed later to the Euro. • 1984: Mali rejoins (1 CFA franc = 2 Malian francs). Currency printed in France The Banque de France is responsible for producing CFA franc notes and coins in its Chamalières factory, which is seen by some critics as a lack of sovereignty for African states. Currency devaluation The countries of the CFA franc zone are seen as the preserve of the former guardian power, France, which leads to situation that sometimes fuels rumors of a devaluation of the CFA franc. The CFA franc is alleged by critics to be too strong a currency, with common complaints among critics the franc is overvalued by 10–15% distorting prices and dissuading capital investment in the two currency zones. Even if in the short term, the option of a devaluation seems to be excluded. Symbolism For some African economists, the debate on economic realities should be prioritized over the symbols of the CFA franc. Right of veto France retains a right of veto over the monetary policies of the states of the CFA Franc Zone of West Africa and Central Africa. Stability For supporters of the CFA Franc, the economic stability that the CFA Franc provides lies in monetary cooperation. The underdevelopment of the countries in the franc zone is attributed to factors independent of their monetary and exchange rate policies. Criticism and replacement in West Africa The currency has been criticized for making national monetary policy for the developing countries of French West Africa all but impossible, since the CFA's value is pegged to the euro (whose monetary policy is set by the European Central Bank). Critics point out that the currency is controlled by the French treasury, and in turn African countries channel more money to France than they receive in aid and have no sovereignty over their monetary policies. In December 2024, in a report adopted by the French Foreign Affairs Committee, it was published that the reform of the CFA franc in 2019 had been incomplete, largely due to the reluctance of African heads of state to complete it. In November 2024, the 'Tournons la Page' network and the Sciences Po Center for International Research (CERI) published a survey on relations between West African and Central African countries from former French possessions. Nearly 95% of West Africans surveyed expressed their desire to leave. The broader Economic Community of West African States (ECOWAS), which includes the members of UEMOA, plans to introduce its own common currency for its member states by 2027, for which they have also formally adopted the name Eco. Debate on ending the Central African CFA On April 25, 2023, the subject of the CFA franc was discussed at the ministerial meeting of the Economic and Monetary Community of Central Africa (CEMAC) and France. The French perceive the guarantee provided to the CFA franc, and the assurance of its convertibility, as a pillar of economic stability for the region. France remains “open” and “available” to CEMAC proposals to reform monetary cooperation in Central Africa, as has happened in West Africa. Activism against the CFA Franc In May 2025, activists, economists and civil society representatives opposed to the use of the CFA franc will organize conferences and meetings across African capitals. ==Institutions==
Institutions
There are two different currencies called the CFA franc: the West African CFA franc (ISO 4217 currency code XOF), and the Central Africa CFA franc (ISO 4217 currency code XAF). They are distinguished in French by the meaning of the abbreviation CFA. These two CFA francs have the same exchange rate with the euro (1 euro = 655.957 XOF = 655.957 XAF), and they are both guaranteed by the French treasury (), but the two currencies are only legal tender in their respective member countries. It is issued by the BCEAO (, i.e., "Central Bank of the West African States"), located in Dakar, Senegal, for the eight countries of the UEMOA (, i.e., "West African Economic and Monetary Union"): • • • • • • • • These eight countries have a combined population of 147.6 million people (as of 2023), and a combined GDP of US$199.4 billion (as of 2023). Central Africa The Central Africa CFA franc (XAF) is known in French as the , where CFA stands for ("Financial Cooperation in Central Africa"). It is issued by the BEAC (, i.e., "Bank of the Central African States"), located in Yaoundé, Cameroon, for the six countries of the CEMAC (, i.e., "Economic and Monetary Community of Central Africa"): • • • • • • These six countries have a combined population of 62.8 million people (as of 2023), and a combined GDP of US$114.3 billion (as of 2023). In 1975, Central African CFA banknotes were issued with an obverse unique to each participating country, and common reverse, in a fashion similar to euro coins. Equatorial Guinea, the only former Spanish colony in the zone, adopted the CFA in 1984. ==Gallery==
Gallery
File:1 Franc CFA.jpg|An F.CFA 1 coin File:Cinq cents francs CFA 03.png|500 West African CFA francs File:Mille francs CFA 2.jpg|1000 West African CFA francs ==See also==
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