Regency FX is the cheapest way to send money from the United Arab Emirates to Ghana. Sending 25,000 AED will get you 77,156.91 GHS at 3.0863 GHS per AED.
We’ve compared 3 services and apps below in more detail.
| 3 of 3 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze AED/GHS exchange rates from our comparisons. | |||
| Based on 25,000 AED transfer Best companies for AED/GHS transfersAll money transfer offers for AED/GHS transfers, sorted by most GHS received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee AED 390.57 1 AED = 3.0923 GHS +0.08% vs mid-market | Recipient gets GH₵76,099.25 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer AED 390.571 AED = 3.0923 GHS GH₵76,099.25You payAED 25,000.00 | |||
| Promoted  Regency FX Pay via Bank transfer | Fee AED 0.00 1 AED = 3.0863 GHS +0.27% vs mid-market | Recipient gets GH₵77,156.91 Minutes - 24 hours | |
Ways to receive money in Ghana with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 3.0863 GHS GH₵77,156.91You payAED 25,000.00 | |||
Run a live search Showing top United Arab Emirates to Ghana deals for 25,000 AED. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live AED to GHS rates. | |||
Run a live search These companies offer multi-currency accounts for spending GHS. We suggest doing a live search based on how much AED you're planning to spend in Ghana. | |||
Run a live search These are managed services with real human support for large AED transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: First Transfer Deal Regency FX Pay via Bank transfer | Fee AED 0.00 1 AED = 3.0863 GHS +0.27% vs mid-market | Recipient gets GH₵77,156.91 Minutes - 24 hours | |
Ways to receive money in Ghana with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 3.0863 GHS GH₵77,156.91You payAED 25,000.00 | |||
 TapTap Send Pay via Debit card | Fee AED 0.00 1 AED = 3.0800 GHS +0.47% vs mid-market | Recipient gets GH₵77,000.00 Minutes | |
Ways to receive money in Ghana with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutesAvailable via:AirtelTigo, MTN, Telecel, Zeepay Free1 AED = 3.0800 GHS GH₵77,000.00You payAED 25,000.00 Bank depositMinutes Free1 AED = 3.0800 GHS GH₵77,000.00You payAED 25,000.00 Cash pickupMinutesAvailable via:CBG Cash Pickup Free1 AED = 3.0800 GHS GH₵77,000.00You payAED 25,000.00 TapTap WalletMinutesAvailable via:Wallet (GHS) Free1 AED = 3.0800 GHS GH₵77,000.00You payAED 25,000.00 | |||
| Wise Pay via Bank transfer | Fee AED 390.57 1 AED = 3.0923 GHS +0.08% vs mid-market | Recipient gets GH₵76,099.25 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer AED 390.571 AED = 3.0923 GHS GH₵76,099.25You payAED 25,000.00 | |||
| How Our Results Work Mid-market rate: 1 AED = 3.094632 GHS Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Regency FX at 77,156.91 GHS on AED 25,000.
You have 2 ways to pay, including bank transfer and debit card.
Cash at an exchange house counter works, and so does the salary card your wages land on.
You'll need your Emirates ID every time, not just the first.
Registering takes a few minutes with a UAE number. Once it's done, repeat transfers to the same person take seconds.
3 companies send money from the UAE to Ghana, split between app, broker, online, multi-currency account, and global account, and more.
For frequent transfers home
If you send GHS home monthly, money transfer apps like TapTap Send are the easiest with good AED/GHS rates.
Botim, Careem Pay, and e& money are convenient but TapTap Send is cheaper.
On AED 25,000 transfer it will get you 77,000 GHS in minutes (after 0 fee and 0.47% markup).
You'll need your Emirates ID and a UAE number to register.
For small urgent transfers
You can send AED to Ghana now, and pay for it in the coming weeks.
Botim and Payit are good options, but it’s a credit, so it costs more and you can’t miss any payments.
We’ve covered this in more detail in our Send Now, Pay Later guide.
For mid-sized transfers from UAE
Sending AED 5,000 to Ghana is usually cheaper with online money transfer services like Wise.
Wise gets you 76,099.25 GHS on AED 25,000 transfer, with a AED 390.57 fee and 0.08% markup.
For sending large amounts
Brokers are great for international property, school fees abroad, or moving your savings home when you leave the UAE.
A broker like Regency FX charges no fee and adds 0.27% on AED/GHS exchange rate with someone on the phone guiding you through the process.
For UAE businesses trading abroad
Global accounts are for businesses, paying overseas suppliers, collecting from customers abroad, and holding a few currencies at once.
Companies like IFX, Sokin, VertoFX, or Wise Business can handle the batch payments, invoices and multi-currency balances.
For receiving money
A multi-currency account lets you hold dirhams and/or GHS side by side.
This is useful if you’re getting paid in GHS, or travelling to Ghana.
I’d suggest Wise for this.
Wise converts 76,099.25 GHS at 0.08% markup and holds it until you send or spend it, and gives you account details to receive GHS.
We've covered this in more detail in our guide to multi-currency accounts.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending AED 25,000 gives your recipient 77,156.91 GHS.
You can pay in AED by bank transfer and debit card.
In Ghana, the recipient can receive GHS through bank deposit, mobile money, cash pickup, and taptap wallet.
They can receive money via bank deposit, mobile money, cash pickup, and taptap wallet.
The recipient can collect GHS from a participating location in Ghana with valid photo ID and the transfer reference.
You pay .د.إ25,000.00
GH₵77,157
Cheapest
You pay .د.إ25,000.00
GH₵77,000
-GH₵157
You pay .د.إ25,000.00
GH₵77,000
-GH₵157
You pay .د.إ25,000.00
GH₵77,000
-GH₵157
You pay .د.إ25,000.00
GH₵77,000
-GH₵157
The UAE has plenty of ways to send money, but the branch fee, exchange rate and ID checks can change what works best for you.
For an AED 25,000 transfer to Ghana, the current options look like this.
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 77,156.91 GHS, which is 0.2% more than the next best option.
The fastest option is TapTap Send, funded by debit card with mobile money in Ghana. Your recipient gets 77,000 GHS in minutes.
Banks, apps and exchange houses need to identify you.
Your Emirates ID and UAE mobile number normally cover a routine transfer, while a large or unusual payment can trigger questions about your salary and source of funds.
For property, tuition or moving savings when you leave the UAE, keep the sale agreement, school invoice or bank statement ready.
A transfer funded from your salary account is easier to explain than a large cash deposit made just before sending.
Currency exchange and remittance services require a Central Bank of the UAE licence.
Check the legal name in the CBUAE licensing register before handing over cash or uploading your ID.
The CBUAE consumer standards require licensed companies to show the exchange rate and fees before the transfer, then include the amount received and complaint details on the receipt.
Avoid a personal bank account or WhatsApp dealer offering a better rate outside a licensed branch.
The UAE's declaration rules for carrying cash across the border do not set a limit on an electronic transfer.
Your bank or exchange house can still set its own transaction limit and request additional documents.
If you send the same amount every month, complete the ID checks in the app or branch once and save the verified recipient.
This reduces mistakes without bypassing the checks on later transfers.
The dirham is pegged to the US dollar, but the AED/GHS rate still moves. Checking the recent range helps you assess the amount offered in GHS.
Mid-market rate:1 AED = 3.094618 GHS
We track 3 licensed companies sending AED to Ghana, refreshed in real time during live comparisons.
Because the dirham is fixed to the dollar, we compare on what arrives in GHS rather than on the fee, alongside the deposit and payout options.
Every company goes through our review before it appears.
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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