MoneyGram is the cheapest way to send money from Brazil to Ghana. Sending R$40,000 will get your recipient 90,892 GHS in minutes - 24 hours.
With MoneyGram, deposit via pix and withdraw in bank deposit to get the most GHS in Ghana.
| 4 of 4 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze BRL/GHS exchange rates from our comparisons. | |||
| Based on 40,000 BRL transfer Best companies for BRL/GHS transfersAll money transfer offers for BRL/GHS transfers, sorted by most GHS received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Regency FX Pay via Bank transfer | Fee R$0.00 1 BRL = 2.2212 GHS +0.27% vs mid-market | Recipient gets GH₵88,847.90 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 BRL = 2.2212 GHS GH₵88,847.90You payR$40,000.00 | |||
Run a live search Showing top Brazil to Ghana deals for 40,000 BRL. 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 BRL 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 BRL you're planning to spend in Ghana. | |||
Run a live search These are managed services with real human support for large BRL transfers. Click the link and update the transfer amount to get the best deal. | |||
| $0 fee on first online transfers  MoneyGram Pay via Pix | Fee R$0.00 1 BRL = 2.2723 GHS -2.00% vs mid-market | Recipient gets GH₵90,892.00 Minutes - 24 hours | |
Ways to receive money in Ghana with MoneyGram when paying by pix. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks Free1 BRL = 2.2723 GHS GH₵90,892.00You payR$40,000.00 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 BRL = 2.2286 GHS GH₵89,144.00You payR$40,000.00 Cash pickupMinutes - 24 hours Free1 BRL = 2.1650 GHS GH₵86,600.00You payR$40,000.00 | |||
| Exclusive: First Transfer Deal Regency FX Pay via Bank transfer | Fee R$0.00 1 BRL = 2.2212 GHS +0.27% vs mid-market | Recipient gets GH₵88,847.90 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 BRL = 2.2212 GHS GH₵88,847.90You payR$40,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee R$60.00 1 BRL = 2.2021 GHS +1.13% vs mid-market | Recipient gets GH₵87,951.21 Within minutes | |
Ways to receive money in Ghana with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes R$60.001 BRL = 2.2021 GHS GH₵87,951.21You payR$40,000.00 | |||
| 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. | |||
 TapTap Send Pay via Debit card | Fee R$0.00 1 BRL = 2.1920 GHS +1.59% vs mid-market | Recipient gets GH₵87,680.00 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 BRL = 2.1920 GHS GH₵87,680.00You payR$40,000.00 Bank depositMinutes Free1 BRL = 2.1920 GHS GH₵87,680.00You payR$40,000.00 Cash pickupMinutesAvailable via:CBG Cash Pickup Free1 BRL = 2.1920 GHS GH₵87,680.00You payR$40,000.00 TapTap WalletMinutesAvailable via:Wallet (GHS) Free1 BRL = 2.1920 GHS GH₵87,680.00You payR$40,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee R$327.50 1 BRL = 2.2021 GHS +1.13% vs mid-market | Recipient gets GH₵87,362.15 Within minutes | |
Ways to receive money in Ghana with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes R$327.501 BRL = 2.2021 GHS GH₵87,362.15You payR$40,000.00 | |||
| 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. | |||
| How Our Results Work Mid-market rate: 1 BRL = 2.227211 GHS Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is MoneyGram at 90,892 GHS for R$40,000 transfer.
The IOF is the same whichever company you pick, so its about the exchange rate markup and the fees.
You have 3 ways to pay, including bank transfer, debit card, and pix.
You'll need your CPF and a photo ID to register and verify your account.
Once that's done, you can send money to Ghana
There are 6 ways to send money to Ghana across 4 money transfer companies.
For everyday transfers
For most transfers from Brazil to Ghana, money transfer companies like MoneyGram are the cheapest way.
You can fund an online transfer with bank transfer, debit card, and pix.
MoneyGram charges R$0 and adds -2% markup when sending R$40,000, this will get you 90,892 GHS in Ghana.
For property and other large transfers
Brokers are best for large transfers, they will negotiate a better BRL/GHS rate, handle the paperwork, and guide you over the phone.
Regency FX converts BRL to GHS with an exchange-rate markup of around 0.27%.
I'd suggest , since the rate gets better the more you send.
For receiving cash in Portugal
If your recipient in Ghana needs cash, you can do it with MoneyGram.
Sending R$40,000 will get you GH₵90,892 after the fees with MoneyGram.
You recipient will collect cash at the nearest MoneyGram branch in Ghana.
Holding AUD and other currencies
Revolut lets you hold, convert, and spend BRL and GHS from one account.
Swapping R$40,000 with Revolut will get you 87,951.21 GHS after all fees.
You can then spend it in Ghana or Brazil and receive GHS payments.
For freelancers & businesses
Global accounts like Airwallex, Wise Business, and Payoneer help with international GHS payments, invoicing, receiving payments, and more.
These are great for Brazilian businesses and freelancers, but not personal transfers.
With MoneyGram, paying by pix and receiving through bank deposit is the cheapest combination. Sending R$40,000 gives your recipient 90,892 GHS.
For paying for your transfer, you have bank transfer, debit card, and pix.
You can fund the transfer with Pix
You can use Pix as a funding method, but it can’t send BRL to Ghana directly.
Scan the company's QR code or copy its Pix key, then approve R$40,000 in your Brazilian banking app.
For withdrawals in Ghana, they can get it as bank deposit, cash pickup, mobile wallet, mobile money, and taptap wallet.
IOF can apply when you convert and send BRL abroad, so double check the tax shown before you send.
You pay R$40,000.00
GH₵90,892
Cheapest
You pay R$40,000.00
GH₵89,144
-GH₵1,748
You pay R$40,000.00
GH₵88,848
-GH₵2,044
You pay R$40,000.00
GH₵87,680
-GH₵3,212
You pay R$40,000.00
GH₵87,680
-GH₵3,212
You pay R$40,000.00
GH₵87,680
-GH₵3,212
You pay R$40,000.00
GH₵87,680
-GH₵3,212
You pay R$40,000.00
GH₵86,600
-GH₵4,292
Brazilian transfer quotes should show the tax, fee and exchange rate. The easiest way to compare them is through the VET, then check whether the payment is a transfer of your own money or a gift.
For a R$40,000 payment to Ghana, I suggest starting with these:
Cheapest:
MoneyGram, funded by pix with bank deposit in Ghana. Your recipient gets 90,892 GHS, which is 2.25% more than the next best option.
Fastest:
Revolut, paid by bank transfer with bank deposit for the payout. It delivers 87,951.21 GHS in within minutes.
Pix can be used to deposit BRL from your bank to the transfer company's Brazilian account, but it cannot send money directly to Ghana.
The company then switches to local rails or uses an internal network of accounts to move BRL to Ghana.
Moving your own money and making a gift are not treated the same.
A gift may fall under ITCMD, which is set and collected by the relevant Brazilian state.
The rate, exemption and filing process depend on the state and the facts of the gift.
Check this before sending a large amount to family, particularly when the sender, recipient or estate has links to different states.
The Banco Central do Brasil says an authorised institution or its correspondent should explain the required documents and provide the VET.
If in doubt, check the institution's legal name with the Banco Central before sending.
Reclame Aqui can show service problems, but it does not replace the regulatory check.
The exchange rate affects the GHS amount before fees and tax are added. Tracking the recent BRL/GHS range makes company quotes easier to compare.
Mid-market rate:1 BRL = 2.226643 GHS
We track 4 authorised companies sending BRL to Ghana, updated in real time during live comparisons.
The IOF is identical whoever you pick, so we compare on the spread and the all-in rate, plus the ways to pay and collect.
Each goes through our review. More on who we are, why you can trust us and how to get 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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