How to send money to Ghana from Australia with the best AUD-GHS rate

Comparing based on your specific needs is the best way to send money from Australia to Ghana with confidence.

Right now, for AUD/GHS

• Wise is our top choice for AUD to GHS transfers. Sending 12,000 AUD to GHS will cost you $113.1 in fees, and you will receive 98,620.97 GHS. The delivery time usually is within 3 hours.

• Taptap Send offers the lowest fees of the 5 available options. This cost combines the exchange rate between the Australian Dollar and Ghan Cedi that is -0.42% different to the mid-market rate and the fee of 0 AUD.

• Fastest way to transfer money to Ghana from Australia is with Revolut. For example, sending $12,000 to Ghana with Revolut will be within minutes. But, it can be quicker or longer depending on the exact amount, as well as the day and time of your transfer.

Our analysis, and search results, include 5 providers that operate between Australia and Ghana. These are ranked by speed, overall cost and ease of use.

Through this, you get a comprehensive view of all the options you have in Australia when you need to send money to Ghana.

The exchange rate determines the price you’ll pay for Ghan Cedi when you send Australian Dollar to Ghana.

The current exchange rate between the Australian Dollar and Ghan Cedi is 8.1888, but it constantly changes.

When calculating the costs of money transfers between Australia and Ghana, opt for the best combination of fees and exchange rates:

• The Mid-Market and Exchange Rates: Today, the AUD-GHS mid-market rate equals 8.1888 GHS per Australian Dollar.

• Fees: Fees are charged on top of a transfer. The company offering the lowest fee is Taptap Send, only 0 AUD. We would recommend searching for your exact send amount to get an idea of fees.

• Amount Received: The amount received in Ghan Cedi is the biggest indicator the total cost of sending money from Australia to Ghana. Essentially, the more the recipient receives in Ghana, the less it is costing to send from Australia.

It’s possible that waiting a day or two can help you get more GHS for the same amount of Australian Dollar. But, the best way to lock in a price between Australia and Ghana is by using a forward contract.

A bank transfer is the our recommended option for money transfers between Australia and Ghana.

Here are all the ways to send money from Australia to Ghana:

Bank transfers

Paying via a bank transfer is often the better option for sending money from Australia to Ghana.

By using a money transfer company such as Africhange for transfers from Australia to Ghana, you can send money and while benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


Debit and prepaid cards

Sending money from Australia to Ghana with a debit or a prepaid card is easy with Wise.


Wise is a one of the better options in the market for international debit card transfers from Australia to Ghana.

Credit cards

When it comes to credit card transfers from Australia to Ghana, we recommend comparing your options to get the best deal.

Always choose providers that are regulated by financial authorities in both Australia and Ghana to ensure funds are protected.

Please refer to our directory of financial regulators worldwide for key regulatory bodies for money transfers between Australia and Ghana.

Some services have minimum or maximum thresholds on how much you can transfer from Australia to Ghana.

Companies will offer different rates and fees for different transfer amounts. Some companies will become more expensive after certain thresholds are hit.

We’d recommend using Wise if you need to send large amounts of AUD to Ghana. The combination of rates and fees when sending to Ghana is the most competitive, even at larger amounts.

Also, always check with the recipient and understand any declarations needed on large amounts of money leaving Australia, or entering Ghana. Mis-understanding these could result in a slower, or even failed, transfer.

There are different ways to receive money in Ghana. You can do a direct bank deposit, cash pickup, use a mobile wallet or receive money into a multi-currency account. It’s likely not all providers serving transfers from Australia to Ghana will offer every method, so it’s best to check ahead of time.

A direct transfer to a bank account is one of the more common ways to transfer from Australia into Ghan Cedi. Wise is the best company for bank transfers between Australia and Ghana.

And if you need cash right away, check if cash pickup is an option for transfers between Australia and Ghana.

Mobile wallet services and payment apps like PayPal, Xoom, and CashApp are popular too, but they come with more limitations and higher costs compared to money transfer providers like Taptap Send.

When signing up to a money transfer company to send between Australia and Ghana, you will need to verify your ID.

The exact documents you need might vary and in some cases you will need more than one.

For the most part, in Australia this will be a government ID like a passport or driver's license. In Ghana it will be a similar set of documents, although this should only be needed if you are opening a new account in Ghana, or collecting in cash.

Big transactions between Australia and Ghana, are subject to additional checks. A provider may ask you for proof of address or may want to know where the money comes from.

We recommend Wise in part due to their easy sign up process in Australia.

When sending large amounts of money between Australia and Ghana there will be tax implications to consider.

Some transfers into Ghan Cedi may need to be reported to tax authorities in Ghana, particularly where inheritance or property purchases are involved.

Tax limits and personal allowances differ in Ghana based on age, income and a few other elements. When in doubt, please contact a tax professional in Australia or Ghana to discuss your personal circumstances.