Of the 4 companies we analysed, TapTap Send is the cheapest app overall for sending $2,000 to Ghana.
On a 2,000 AUD transfer it will get your recipient 16,220 GHS.
| 4 of 4 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze AUD/GHS exchange rates from our comparisons. | |||
| Based on 2,000 AUD transfer Best companies for AUD/GHS transfersAll money transfer offers for AUD/GHS transfers, sorted by most GHS received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Ad  Wise Pay via Bank Transfer | Fees: $23.50 1 AUD = 8.1856 GHS +0.07% vs mid-market | Recipient gets GH₵16,178.78 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $23.501 AUD = 8.1856 GHS GH₵16,178.78You pay$2,000.00 | |||
| Ad  Xe Pay via Bank Transfer | Fees: $0.00 1 AUD = 8.0969 GHS +1.16% vs mid-market | Recipient gets GH₵16,193.80 6-12 Hours | |
Ways to receive money in Ghana with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 8.0969 GHS GH₵16,193.80You pay$2,000.00 | |||
Run a live search Showing top Australia to Ghana deals for 2,000 AUD. 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 AUD 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 AUD you're planning to spend in Ghana. | |||
Run a live search These are managed services with real human support for large AUD transfers. Click the link and update the transfer amount to get the best deal. | |||
 TapTap Send Pay via Debit Card | Fees: $0.00 1 AUD = 8.1100 GHS +1.00% vs mid-market | Recipient gets GH₵16,220.00 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 AUD = 8.1100 GHS GH₵16,220.00You pay$2,000.00 Bank depositMinutes Free1 AUD = 8.1100 GHS GH₵16,220.00You pay$2,000.00 Cash pickupMinutesAvailable via:CBG Cash Pickup Free1 AUD = 8.1100 GHS GH₵16,220.00You pay$2,000.00 TapTap WalletMinutesAvailable via:Wallet (GHS) Free1 AUD = 8.1100 GHS GH₵16,220.00You pay$2,000.00 | |||
| Xe Pay via Bank Transfer | Fees: $0.00 1 AUD = 8.0969 GHS +1.16% vs mid-market | Recipient gets GH₵16,193.80 6-12 Hours | |
Ways to receive money in Ghana with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 8.0969 GHS GH₵16,193.80You pay$2,000.00 | |||
| Wise Pay via Bank Transfer | Fees: $23.50 1 AUD = 8.1856 GHS +0.07% vs mid-market | Recipient gets GH₵16,178.78 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $23.501 AUD = 8.1856 GHS GH₵16,178.78You pay$2,000.00 | |||
| Wise Pay via Osko | Fees: $23.50 1 AUD = 8.1856 GHS +0.07% vs mid-market | Recipient gets GH₵16,178.78 Within minutes | |
Ways to receive money in Ghana with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $23.501 AUD = 8.1856 GHS GH₵16,178.78You pay$2,000.00 | |||
 Western Union Pay via Debit Card | Fees: $0.00 1 AUD = 8.0793 GHS +1.38% vs mid-market | Recipient gets GH₵16,158.62 Next Day | |
Ways to receive money in Ghana with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 8.0793 GHS GH₵16,158.62You pay$2,000.00 | |||
| Western Union Pay via Bank Transfer | Fees: $0.00 1 AUD = 8.0793 GHS +1.38% vs mid-market | Recipient gets GH₵16,158.62 Next Day | |
Ways to receive money in Ghana with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 8.0793 GHS GH₵16,158.62You pay$2,000.00 | |||
| Xe Pay via Debit Card | Fees: $6.00 1 AUD = 8.0969 GHS +1.16% vs mid-market | Recipient gets GH₵16,145.22 6-12 Hours | |
Ways to receive money in Ghana with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $6.001 AUD = 8.0969 GHS GH₵16,145.22You pay$2,000.00 | |||
| Wise Pay via Debit Card | Fees: $28.95 1 AUD = 8.1856 GHS +0.07% vs mid-market | Recipient gets GH₵16,134.17 Within minutes | |
Ways to receive money in Ghana with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $28.951 AUD = 8.1856 GHS GH₵16,134.17You pay$2,000.00 | |||
| Xe Pay via Credit Card | Fees: $15.00 1 AUD = 8.0969 GHS +1.16% vs mid-market | Recipient gets GH₵16,072.35 6-12 Hours | |
Ways to receive money in Ghana with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $15.001 AUD = 8.0969 GHS GH₵16,072.35You pay$2,000.00 | |||
| Wise Pay via Credit Card | Fees: $42.30 1 AUD = 8.1856 GHS +0.07% vs mid-market | Recipient gets GH₵16,024.89 Within minutes | |
Ways to receive money in Ghana with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $42.301 AUD = 8.1856 GHS GH₵16,024.89You pay$2,000.00 | |||
| How Our Results Work Mid-market rate: 1 AUD = 8.191424 GHS Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is TapTap Send at 16,220 GHS on $2,000.
Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.
You have 4 ways to pay, including debit card, bank transfer, credit card, and osko.
PayID and Osko move money to the company in seconds at no cost, and PayID shows you the account name before you confirm.
Watch your bank's daily limit on anything large.
First time round you'll need a photo ID, usually a licence or a passport.
A passport and visa are enough if you’re new (you don’t need an Australian credit history).
4 money transfer companies let you send money from Australia to Ghana.
Cheapest for most transfers
Sending money online with a “self-service” provider is usually the cheapest way to send money to Ghana.
For example, sending $500 with Xe will get you 16,193.8 GHS after a $0 fee and 1.16% markup.
To speed up the transfer, use PayID or bank transfer, this will ensure your money is withdrawn instantly from your AU bank account.
Plus, PayID shows the registered payee name, which gives you an extra check against the details you entered.
For regular transfers home
An app suits the transfer you make over and over to the same recipient, similar amount, every payday or so.
TapTap Send takes $0 in fees and 1% markup on a $0 transfer, and your GHS arrives in minutes.
Signing up is quick even if you're new to Australia.
A passport and visa are enough for most money transfer apps, and no local credit history is needed.
For large AUD transfers
Money transfer brokers are best for large transfers, like buying property, moving abroad, or paying student fees.
On transfers of $10,000 or more, a broker like Xe drops the fee entirely and works on margin instead.
With Xe you get 1.16% on AUD/GHS, and it gets lower the more you send.
You also get an account manager for the whole thing.
For overseas business payments
Global accounts like Airwallex are great for paying suppliers, contractors or staff in GHS, handling invoices, batch payments, and more.
For receiving and spending
Multi-currency accounts let you hold AUD and GHS in one account, and convert when the rate suits you.
Wise converts $2,000 at 0.07% markup, and the GHS sits in your account until you spend or transfer it.
Most useful if you travel often to Ghana, split your life between two countries, or receive money from abroad.
We also created a guide going into more detail about multi currency accounts.
With TapTap Send, paying by debit card and receiving through a mobile money is the cheapest combination. Sending $2,000 gives your recipient 16,220 GHS.
You can fund the transfer with debit card, bank transfer, credit card, and osko.
Recipients in the Ghana can collect GHS through bank deposit, mobile money, cash pickup, and taptap wallet.
They can collect cash via Western Union
For cash collection, the recipient should take a photo ID and the transfer reference to a participating location in the Ghana.
You pay $2,000.00
GH₵16,220
Cheapest
You pay $2,000.00
GH₵16,220
GH₵0
You pay $2,000.00
GH₵16,220
GH₵0
You pay $2,000.00
GH₵16,220
GH₵0
You pay $2,000.00
GH₵16,194
-GH₵26
You pay $2,000.00
GH₵16,179
-GH₵41
You pay $2,000.00
GH₵16,072
-GH₵148
Every international transfer is reportable by the company handling it, but that is not a tax or a form you normally file yourself. PayID can fund the transfer, while the overseas leg still needs a transfer provider.
For an $2,000 transfer to Ghana, these are the best options right now:
Cheapest
TapTap Send is cheapest when funded by debit card with mobile money for the payout. Your recipient gets 16,220 GHS, which is 0.16% more than the next best option.
Fastest
TapTap Send delivers 16,220 GHS in minutes when you use debit card and choose mobile money as payout.
If you need money urgently, we've put together a guide on instant money transfers.
PayID and Osko move Australian dollars between local accounts.
When a money transfer company accepts PayID, it collects the AUD in Australia and then handles the conversion and payout in Ghana.
Confirm the registered business name shown by your bank before approving the PayID payment.
The bank or remittance company reports international transfer instructions to AUSTRAC.
This applies to international transfers generally, rather than only those above A$10,000.
You do not normally submit the international transfer report yourself.
A separate threshold report applies when a transaction involves A$10,000 or more in physical cash.
Large or unusual transfers can still trigger source-of-funds checks. Keep the sale agreement, invoice or bank statement that explains the payment ready.
Australia does not generally tax a genuine cash gift simply because you send it to family in Ghana.
Gifting money can still affect income-tested or asset-tested Centrelink payments.
Services Australia can continue assessing gifts above its gifting free areas under the income and assets tests.
If you or your partner receive a relevant payment, check the gifting rules before sending a large amount.
The Financial Claims Scheme protects eligible Australian-dollar deposits with an Australian-incorporated ADI, up to A$250,000 per account holder per ADI.
It does not automatically cover money held by a non-bank transfer company.
In case of issues, if a complaint is not resolved, the Australian Financial Complaints Authority is the free external dispute service for member financial firms.
Small changes in the AUD/GHS rate can make a noticeable difference to the amount received, especially on a larger transfer.
Mid-market rate:1 AUD = 8.183018 GHS
We track 4 companies sending AUD to Ghana, all holding an Australian licence, with rates refreshed in real time when running a live search.
Fees, exchange rates and the pay-in and payout options all get compared, and each company goes through our review before it appears.
More on who we are, why you can trust us and getting started.
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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