Of the 9 companies we analysed, MoneyGram is the cheapest app overall for sending $2,000 to Ghana.
On a 2,000 AUD transfer it will get your recipient 16,403.6 GHS.
| 9 of 9 providers Last updated on 28 September 2026 | |||
| Based on 2,000 AUD transfer Best companies for AUD/GHS transfers | |||
| Ad  Wise Pay via Bank Transfer | Fees: $34.97 1 AUD = 8.1309 GHS +0.35% vs mid-market | Recipient gets GH₵15,977.46 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $34.971 AUD = 8.1309 GHS GH₵15,977.46You pay$2,000.00 | |||
| Ad  MoneyGram Pay via Debit Card | Fees: $0.00 1 AUD = 8.2018 GHS -0.52% vs mid-market | Recipient gets GH₵16,403.60 6-12 Hours | |
Ways to receive money in Ghana with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets Free1 AUD = 8.2018 GHS GH₵16,403.60You pay$2,000.00 Bank deposit6-12 HoursAvailable via:All Banks $0.991 AUD = 8.2018 GHS GH₵16,403.60You pay$2,000.99 Cash pickup6-12 Hours $3.991 AUD = 8.1607 GHS GH₵16,321.40You pay$2,003.99 | |||
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. | |||
| $0 fee on first online transfers MoneyGram Pay via Debit Card | Fees: $0.00 1 AUD = 8.2018 GHS -0.52% vs mid-market | Recipient gets GH₵16,403.60 6-12 Hours | |
Ways to receive money in Ghana with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets Free1 AUD = 8.2018 GHS GH₵16,403.60You pay$2,000.00 Bank deposit6-12 HoursAvailable via:All Banks $0.991 AUD = 8.2018 GHS GH₵16,403.60You pay$2,000.99 Cash pickup6-12 Hours $3.991 AUD = 8.1607 GHS GH₵16,321.40You pay$2,003.99 | |||
| $0 fee on first online transfers MoneyGram Pay via POLi | Fees: $0.00 1 AUD = 8.2018 GHS -0.52% vs mid-market | Recipient gets GH₵16,403.60 6-12 Hours | |
Ways to receive money in Ghana with MoneyGram when paying by poli. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets Free1 AUD = 8.2018 GHS GH₵16,403.60You pay$2,000.00 Bank deposit6-12 HoursAvailable via:All Banks $0.991 AUD = 8.2018 GHS GH₵16,403.60You pay$2,000.99 Cash pickup6-12 Hours $3.991 AUD = 8.1607 GHS GH₵16,321.40You pay$2,003.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit Card | Fees: $32.99 1 AUD = 8.2018 GHS -0.52% vs mid-market | Recipient gets GH₵16,403.60 6-12 Hours | |
Ways to receive money in Ghana with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $32.991 AUD = 8.2018 GHS GH₵16,403.60You pay$2,032.99 Mobile wallet6-12 HoursAvailable via:Select Wallets $32.991 AUD = 8.2018 GHS GH₵16,403.60You pay$2,032.99 Cash pickup6-12 Hours $32.991 AUD = 8.1607 GHS GH₵16,321.40You pay$2,032.99 | |||
 TapTap Send Pay via Debit Card | Fees: $0.00 1 AUD = 8.1600 GHS -0.01% vs mid-market | Recipient gets GH₵16,320.00 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 = 8.1600 GHS GH₵16,320.00You pay$2,000.00 Bank depositMinutes Free1 AUD = 8.1600 GHS GH₵16,320.00You pay$2,000.00 Cash pickupMinutesAvailable via:CBG Cash Pickup Free1 AUD = 8.1600 GHS GH₵16,320.00You pay$2,000.00 TapTap WalletMinutesAvailable via:Wallet (GHS) Free1 AUD = 8.1600 GHS GH₵16,320.00You pay$2,000.00 | |||
 Africhange Pay via Bank Transfer | Fees: $1.10 1 AUD = 8.1597 GHS -0.01% vs mid-market | Recipient gets GH₵16,319.47 Minutes | |
Ways to receive money in Ghana with Africhange when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes $1.101 AUD = 8.1597 GHS GH₵16,319.47You pay$2,001.10 | |||
 Western Union Pay via Debit Card | Fees: $0.00 1 AUD = 8.1282 GHS +0.38% vs mid-market | Recipient gets GH₵16,256.34 Next Day | |
Ways to receive money in Ghana with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 8.1282 GHS GH₵16,256.34You pay$2,000.00 | |||
| Western Union Pay via Bank Transfer | Fees: $0.00 1 AUD = 8.1282 GHS +0.38% vs mid-market | Recipient gets GH₵16,256.34 Next Day | |
Ways to receive money in Ghana with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 8.1282 GHS GH₵16,256.34You pay$2,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank Transfer | Fees: $3.00 1 AUD = 8.1042 GHS +0.68% vs mid-market | Recipient gets GH₵16,184.11 Within minutes | |
Ways to receive money in Ghana with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $3.001 AUD = 8.1042 GHS GH₵16,184.11You pay$2,000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
 Remitly Pay via Debit Card | Fees: $0.00 1 AUD = 8.0861 GHS +0.90% vs mid-market | Recipient gets GH₵16,172.20 2 Days | |
Ways to receive money in Ghana with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 8.0861 GHS GH₵16,172.20You pay$1,995.00 | |||
| Remitly Pay via Credit Card | Fees: $19.95 1 AUD = 8.0861 GHS +0.90% vs mid-market | Recipient gets GH₵16,172.20 2 Days | |
Ways to receive money in Ghana with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank deposit2 Days $19.951 AUD = 8.0861 GHS GH₵16,172.20You pay$2,014.95 | |||
| Remitly Pay via PayTo | Fees: $0.00 1 AUD = 8.0861 GHS +0.90% vs mid-market | Recipient gets GH₵16,172.20 2 Days | |
Ways to receive money in Ghana with Remitly when paying by payto. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 8.0861 GHS GH₵16,172.20You pay$1,995.00 | |||
 Xe Pay via Bank Transfer | Fees: $0.00 1 AUD = 8.0856 GHS +0.91% vs mid-market | Recipient gets GH₵16,171.20 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 = 8.0856 GHS GH₵16,171.20You pay$2,000.00 | |||
 Ria Money Transfer Pay via Credit Card | Fees: $2.89 1 AUD = 8.0736 GHS +1.06% vs mid-market | Recipient gets GH₵16,123.87 6-12 Hours | |
Ways to receive money in Ghana with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $2.891 AUD = 8.0736 GHS GH₵16,123.87You pay$2,000.00 Bank deposit6-12 Hours $2.891 AUD = 8.0039 GHS GH₵15,984.67You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 7.9489 GHS GH₵15,874.83You pay$2,000.00 | |||
| Ria Money Transfer Pay via Debit Card | Fees: $2.89 1 AUD = 8.0736 GHS +1.06% vs mid-market | Recipient gets GH₵16,123.87 6-12 Hours | |
Ways to receive money in Ghana with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $2.891 AUD = 8.0736 GHS GH₵16,123.87You pay$2,000.00 Bank deposit6-12 Hours $2.891 AUD = 8.0039 GHS GH₵15,984.67You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 7.9489 GHS GH₵15,874.83You pay$2,000.00 | |||
| Ria Money Transfer Pay via PayID | Fees: $2.89 1 AUD = 8.0736 GHS +1.06% vs mid-market | Recipient gets GH₵16,123.87 6-12 Hours | |
Ways to receive money in Ghana with Ria Money Transfer when paying by payid. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $2.891 AUD = 8.0736 GHS GH₵16,123.87You pay$2,000.00 Bank deposit6-12 Hours $2.891 AUD = 8.0039 GHS GH₵15,984.67You pay$2,000.00 Mobile wallet6-12 Hours $2.891 AUD = 7.9489 GHS GH₵15,874.83You pay$2,000.00 | |||
| Xe Pay via Debit Card | Fees: $6.00 1 AUD = 8.0856 GHS +0.91% vs mid-market | Recipient gets GH₵16,122.69 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 = 8.0856 GHS GH₵16,122.69You pay$2,000.00 | |||
| Xe Pay via Credit Card | Fees: $15.00 1 AUD = 8.0856 GHS +0.91% vs mid-market | Recipient gets GH₵16,049.92 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 = 8.0856 GHS GH₵16,049.92You pay$2,000.00 | |||
| Wise Pay via Bank Transfer | Fees: $34.97 1 AUD = 8.1309 GHS +0.35% vs mid-market | Recipient gets GH₵15,977.46 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $34.971 AUD = 8.1309 GHS GH₵15,977.46You pay$2,000.00 | |||
| Wise Pay via Osko | Fees: $34.97 1 AUD = 8.1309 GHS +0.35% vs mid-market | Recipient gets GH₵15,977.46 Within minutes | |
Ways to receive money in Ghana with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $34.971 AUD = 8.1309 GHS GH₵15,977.46You pay$2,000.00 | |||
| Wise Pay via Debit Card | Fees: $40.36 1 AUD = 8.1309 GHS +0.35% vs mid-market | Recipient gets GH₵15,933.64 Within minutes | |
Ways to receive money in Ghana with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $40.361 AUD = 8.1309 GHS GH₵15,933.64You pay$2,000.00 | |||
| Wise Pay via Credit Card | Fees: $53.54 1 AUD = 8.1309 GHS +0.35% vs mid-market | Recipient gets GH₵15,826.47 Within minutes | |
Ways to receive money in Ghana with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $53.541 AUD = 8.1309 GHS GH₵15,826.47You pay$2,000.00 | |||
| How Our Results Work Mid-market rate: 1 AUD = 8.1593 GHS Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is MoneyGram at 16,403.6 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 7 ways to pay, including debit card, bank transfer, credit card, poli, payto, payid, 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).
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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $1,000 | -0.50% | $0.00 | GH₵8,201.80with debit card to mobile wallet | +GH₵122.45 | |
| $1,500 | -0.50% | $0.00 | GH₵12,302.70with debit card to mobile wallet | +GH₵177.71 | |
| $2,000This page | -0.52% | $0.00 | GH₵16,403.60with debit card to mobile wallet | +GH₵237.21 | |
| $3,000 | -0.56% | $0.00 | GH₵24,605.40with debit card to mobile wallet | +GH₵303.17 | |
| $7,500 | -0.51% | $0.00 | GH₵61,513.50with debit card to mobile wallet | +GH₵860.31 | |
| $12,000 | -0.51% | $0.00 | GH₵98,421.60with debit card to mobile wallet | +GH₵1,313.38 | |
| $15,000 | -0.53% | $0.00 | GH₵123,027.00with debit card to mobile wallet | +GH₵1,746.47 | |
| $100,000 | -0.52% | $0.00 | GH₵820,180.00with debit card to mobile wallet | +GH₵4,272.45 | |
| $250,000 | -0.51% | $0.00 | GH₵2,050,450.00with debit card to mobile wallet | +GH₵10,421.89 | |
| $500,000 | -0.04% | $0.00 | GH₵4,080,000.00with debit card to mobile money | +GH₵21,093.37 |
Mid-market rate: 1 AUD = 8.1593 GHS
9 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 MoneyGram will get you 16,403.6 GHS after a $0 fee and -0.52% 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.
MoneyGram takes $0 in fees and -0.52% markup on a $0 transfer, and your GHS arrives in 6-12 hours.
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 0.91% 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.
Revolut converts $2,000 at 0.68% 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 MoneyGram, paying by debit card and receiving through a mobile wallet is the cheapest combination. Sending $2,000 gives your recipient 16,403.6 GHS.
You can fund the transfer with debit card, bank transfer, credit card, poli, payto, payid, and osko.
You can pay with payid
Use the PayID supplied by the company and confirm the recipient name shown by your Australian bank before approving the payment.
Recipients in the Ghana can collect GHS through bank deposit, cash pickup, mobile wallet, mobile money, and taptap wallet.
Your recipient can have GHS delivered to a mobile wallet, without a bank account.
Use our payout filters above to find the cheapest company offering mobile wallet withdrawals.
Receive GHS in a mobile wallet
Use the mobile number registered to the recipient's supported wallet. A wrong digit can send the money to a different account.
They can collect cash via MoneyGram
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₵16,404
Cheapest
You pay $2,000.99
GH₵16,404
GH₵0
You pay $2,000.00
GH₵16,404
GH₵0
You pay $2,000.99
GH₵16,404
GH₵0
You pay $2,032.99
GH₵16,404
GH₵0
You pay $2,032.99
GH₵16,404
GH₵0
You pay $2,003.99
GH₵16,321
-GH₵82
You pay $2,003.99
GH₵16,321
-GH₵82
You pay $2,032.99
GH₵16,321
-GH₵82
You pay $2,000.00
GH₵16,320
-GH₵84
You pay $2,000.00
GH₵16,320
-GH₵84
You pay $2,001.10
GH₵16,319
-GH₵84
You pay $1,995.00
GH₵16,172
-GH₵231
You pay $2,000.00
GH₵16,124
-GH₵280
You pay $2,000.00
GH₵15,985
-GH₵419
You pay $2,000.00
GH₵15,977
-GH₵426
You pay $2,000.00
GH₵15,875
-GH₵529
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
MoneyGram is cheapest when funded by debit card with mobile wallet for the payout. Your recipient gets 16,403.6 GHS, which is 0.51% more than the next best option.
Fastest
Revolut delivers 16,184.11 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 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 = 8.16928 GHS
We track 9 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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