Best companies for AUD/GHS transfers
2 of 2 providers Last updated on 28 October 2026
Based on 2,000 AUD transfer Best companies for AUD/GHS transfers Sort Cheapest
Ad Wise Pay via Bank Transfer	Fees: $24.87 1 AUD = 8.1925 GHS +0.23% vs mid-market	Recipient gets GH₵16,181.19 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $24.871 AUD = 8.1925 GHS GH₵16,181.19You 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.
Western Union Pay via Debit Card	Fees: $0.00 1 AUD = 8.1631 GHS +0.59% vs mid-market	Recipient gets GH₵16,326.14 Next Day
8 reviews Cheapest Receive to bank account or cash pickup
Ways to receive money in Ghana with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 8.1631 GHS GH₵16,326.14You pay$2,000.00

Western Union Pay via Bank Transfer	Fees: $0.00 1 AUD = 8.1631 GHS +0.59% vs mid-market	Recipient gets GH₵16,326.14 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Ghana with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 8.1631 GHS GH₵16,326.14You pay$2,000.00
Wise Pay via Bank Transfer	Fees: $24.87 1 AUD = 8.1925 GHS +0.23% vs mid-market	Recipient gets GH₵16,181.19 Within minutes
25 reviews FastestRecommended Receive to bank accountDedicated support for large transfers
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $24.871 AUD = 8.1925 GHS GH₵16,181.19You pay$2,000.00

Wise Pay via Osko	Fees: $24.87 1 AUD = 8.1925 GHS +0.23% vs mid-market	Recipient gets GH₵16,181.19 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Ghana with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $24.871 AUD = 8.1925 GHS GH₵16,181.19You pay$2,000.00
Wise Pay via Debit Card	Fees: $30.31 1 AUD = 8.1925 GHS +0.23% vs mid-market	Recipient gets GH₵16,136.63 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Ghana with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $30.311 AUD = 8.1925 GHS GH₵16,136.63You pay$2,000.00
Wise Pay via Credit Card	Fees: $43.62 1 AUD = 8.1925 GHS +0.23% vs mid-market	Recipient gets GH₵16,027.58 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Ghana with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $43.621 AUD = 8.1925 GHS GH₵16,027.58You pay$2,000.00
How Our Results Work Mid-market rate: 1 AUD = 8.2112 GHS Updates every 60 minutes.

Why compare

AUD/GHS exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Australia to Ghana

Pick a company

Start with the cheapest, which is Western Union at 16,326.14 GHS on A$2,000.

Western Union was the cheapest on 4 of the 30 days it quoted A$2,000 transfers to Ghana.

Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.

Fund your transfer

You have 4 ways to pay, including bank transfer, debit card, osko, and credit card.

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.

Verify and send

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).

Compare amounts

How much AUD are you sending to Ghana?

How much AUD you send to Ghana heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Western Union was the cheapest in 13% of the transfers up to A$2,000 it quoted, and in 13% of all the transfers it quoted.


$1,000	0.14%	$0.00	GH₵8,201.80with debit card to mobile wallet	+GH₵75.12
$1,500	0.14%	$0.00	GH₵12,302.70with debit card to mobile wallet	+GH₵99.09
$2,000This page	0.59%	$0.00	GH₵16,326.14with debit card to bank deposit	+GH₵129.66
$3,000	0.12%	$0.00	GH₵24,605.40with debit card to mobile wallet	+GH₵198.15
$7,500	0.09%	$0.00	GH₵61,513.50with debit card to mobile wallet	+GH₵218.28
$12,000	0.01%	$1.10	GH₵98,511.83with bank transfer to bank deposit	+GH₵795.12
$15,000	-0.01%	$1.10	GH₵123,148.76with bank transfer to bank deposit	+GH₵1,008.15
$50,000	0.14%	$0.00	GH₵410,090.00with debit card to mobile wallet	+GH₵1,115.84
$100,000	0.09%	$0.00	GH₵820,180.00with debit card to mobile wallet	+GH₵2,405.48
$250,000	-0.01%	$1.10	GH₵2,052,519.50with bank transfer to bank deposit	+GH₵6,904.50
$500,000		$1.10	GH₵4,104,785.00with bank transfer to bank deposit	+GH₵1,044,717.85

Mid-market rate: 1 AUD = 8.2112 GHS

AUD/GHS Exchange Rate History

Is today a good time to send money from Australia to Ghana?

The cheapest way to send AUD to GHS can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Western Union), across 30 days of comparisons for 2,000 AUD transfers to Ghana.

Each line shows what the recipient gets when you send $2,000, after fees, as quoted by each company. The mid-market line shows what $2,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more GHS per AUD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 26 of the last 30 days.

Right now, Western Union pays 16,326.14 GHS on 2,000 AUD, which is 96.23 GHS less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 16,488.8 GHS.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Ways to send money from Australia to Ghana

2 money transfer companies let you send money from Australia to Ghana.

Cheapest for most transfers

Online transfers

Sending money online with a “self-service” provider is usually the cheapest way to send money to Ghana.

For example, sending A$2,000 with Western Union will get you 16,326.14 GHS after a A$0 fee and 0.59% markup.

In our comparisons over the past month, it was the cheapest online service on 4 of the 30 days it quoted.

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

Money transfer apps

An app suits the transfer you make over and over to the same recipient, similar amount, every payday or so.

Western Union takes A$0 in fees and 0.59% markup on a A$2,000 transfer, and your GHS arrives in next day.

Over the past month, Western Union was the cheapest app on 13% of the days it appeared for A$2,000 transfers.

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

Currency brokers

Money transfer brokers are best for large transfers, like buying property, moving abroad, or paying student fees.

Brokers like TorFX, Key Currency, or Xe charge no fee on large transfers, just a margin that gets lower the more you send.

For overseas business payments

Business accounts

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

Multi-currency accounts let you hold AUD and GHS in one account, and convert when the rate suits you.

Wise converts A$2,000 at 0.23% markup, and the GHS sits in your account until you spend or transfer it.

Over the past month, it came out cheapest among multi-currency accounts on 37% of days.

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.

Ways to fund AUD and receive money in Ghana

With Western Union, paying by debit card and receiving through a bank deposit is the cheapest combination. Sending A$2,000 gives your recipient 16,326.14 GHS.

You can fund the transfer with bank transfer, debit card, osko, and credit card.

Recipients in Ghana can collect GHS through bank deposit.

1

Debit card Bank deposit

You pay A$2,000.00

GH₵16,326

Cheapest
2

Bank transfer Bank deposit

You pay A$2,000.00

GH₵16,326

GH₵0
3

Osko Bank deposit

You pay A$2,000.00

GH₵16,181

-GH₵145
4

Credit card Bank deposit

You pay A$2,000.00

GH₵16,028

-GH₵299

Consider this before sending AUD to Ghana

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.

Compare AUD/GHS transfer options

For a A$2,000 transfer to Ghana, these are the best options right now:

Cheapest

Western Union is cheapest when funded by debit card with bank deposit for the payout. Your recipient gets 16,326.14 GHS, which is 0.89% more than the next best option.

Fastest

Wise delivers 16,181.19 GHS in within minutes when you use bank transfer and choose bank deposit as payout.

If you need money urgently, we've put together a guide on instant money transfers.

PayID is domestic only

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.

AUSTRAC reporting

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.

Cash gifts can affect Centrelink payments

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.

Bank protection in Australia

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.

How we analyse the market

We track 2 companies sending AUD to Ghana, all holding an Australian licence, with rates refreshed in real time when running a live search.

In the past 30 days alone, we analysed 315 comparisons across 11 amounts.

This page covers the cheapest and fastest options for AUD/GHS transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

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.

Send money from Australia

Send money to Ghana

Tue, 29 Sept 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	8.1317	–	GH₵16,263.49
MoneyGram Cheapest	8.2018	$0.00	GH₵16,403.60	+GH₵140.11
Western Union	8.1515	$0.00	GH₵16,302.90	+GH₵39.41
Wise	8.1302	$27.21	GH₵16,039.26	−GH₵224.23

Wed, 30 Sept 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	8.1391	–	GH₵16,278.28
MoneyGram Cheapest	8.2018	$0.00	GH₵16,403.60	+GH₵125.32
Western Union	8.1201	$0.00	GH₵16,240.17	−GH₵38.11
Wise	8.1387	$27.97	GH₵16,049.84	−GH₵228.44

Thu, 1 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	8.1575	–	GH₵16,314.93
MoneyGram Cheapest	8.2018	$0.00	GH₵16,403.60	+GH₵88.67
Western Union	8.1036	$0.00	GH₵16,207.27	−GH₵107.66
Wise	8.1371	$26.62	GH₵16,057.67	−GH₵257.26

Fri, 2 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	8.1717	–	GH₵16,343.46
MoneyGram Cheapest	8.2018	$0.00	GH₵16,403.60	+GH₵60.14
Western Union	8.0987	$0.00	GH₵16,197.40	−GH₵146.06
Wise	8.1291	$26.62	GH₵16,041.82	−GH₵301.64

Sat, 3 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	8.1381	–	GH₵16,276.28
MoneyGram Cheapest	8.2018	$0.00	GH₵16,403.60	+GH₵127.32
Western Union	8.1208	$0.00	GH₵16,241.65	−GH₵34.63
Wise	8.1634	$27.01	GH₵16,106.41	−GH₵169.87

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

Best companies for AUD/GHS transfers