MoneyGram is the cheapest way to send money from Brazil to Ghana. Sending R$40,000 will get your recipient 86,760 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 10 November 2026 | |||
| Based on 40,000 BRL transfer Best companies for BRL/GHS transfers | |||
| Promoted  Regency FX Pay via Bank transfer | Fee R$0.00 1 BRL = 2.1095 GHS +0.27% vs mid-market | Recipient gets GH₵84,379.88 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 = 2.1095 GHS GH₵84,379.88You 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 = 2.1690 GHS -2.51% vs mid-market | Recipient gets GH₵86,760.00 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 = 2.1690 GHS GH₵86,760.00You payR$40,000.00 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 BRL = 2.1299 GHS GH₵85,196.00You payR$40,000.00 Cash pickupMinutes - 24 hours Free1 BRL = 2.0698 GHS GH₵82,792.00You payR$40,000.00 | |||
| Exclusive: First Transfer Deal Regency FX Pay via Bank transfer | Fee R$0.00 1 BRL = 2.1095 GHS +0.27% vs mid-market | Recipient gets GH₵84,379.88 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 = 2.1095 GHS GH₵84,379.88You payR$40,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee R$60.00 1 BRL = 2.0989 GHS +0.77% vs mid-market | Recipient gets GH₵83,829.85 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 = 2.0989 GHS GH₵83,829.85You 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 = 2.0940 GHS +1.01% vs mid-market | Recipient gets GH₵83,760.00 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 = 2.0940 GHS GH₵83,760.00You payR$40,000.00 Bank depositMinutes Free1 BRL = 2.0940 GHS GH₵83,760.00You payR$40,000.00 Cash pickupMinutesAvailable via:CBG Cash Pickup Free1 BRL = 2.0940 GHS GH₵83,760.00You payR$40,000.00 TapTap WalletMinutesAvailable via:Wallet (GHS) Free1 BRL = 2.0940 GHS GH₵83,760.00You payR$40,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee R$327.50 1 BRL = 2.0989 GHS +0.77% vs mid-market | Recipient gets GH₵83,268.40 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 = 2.0989 GHS GH₵83,268.40You 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 = 2.1152 GHS Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is MoneyGram at 86,760 GHS for a R$40,000 transfer.
MoneyGram was the cheapest on 30 of the 30 days it quoted R$40,000 transfers to Ghana.
The IOF is the same whichever company you pick, so it's 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.
How much BRL 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 MoneyGram was the cheapest in 100% of the transfers from R$40,000 it quoted, and in 92% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| R$1,000 | -2.50% | R$0.00 | GH₵2,169.00with pix to bank deposit | +GH₵100.57 | |
| R$5,000 | -2.51% | R$0.00 | GH₵10,845.00with pix to bank deposit | +GH₵309.21 | |
| R$10,000 | -2.51% | R$0.00 | GH₵21,690.00with pix to bank deposit | +GH₵694.85 | |
| R$40,000This page | -2.51% | R$0.00 | GH₵86,760.00with pix to bank deposit | +GH₵2,360.37 | |
| R$50,000 | -2.49% | R$0.00 | GH₵108,450.00with pix to bank deposit | +GH₵2,937.85 | |
| R$100,000 | -2.51% | R$0.00 | GH₵216,900.00with pix to bank deposit | +GH₵5,888.82 |
Mid-market rate: 1 BRL = 2.1152 GHS
The cheapest way to send BRL 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 MoneyGram), across 30 days of comparisons for 40,000 BRL transfers to Ghana.
Tue, Nov 10, 2026Mid-market rateGH₵84,608.32 MoneyGram GH₵86,760.00MoneyGramGH₵86,760.00Regency FXGH₵84,379.88RevolutGH₵83,829.85
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.3554 | – | GH₵94,214.24 | |
| | 2.3954 | R$0.00 | GH₵95,816.00 | +GH₵1,601.76 |
| | 2.3490 | R$0.00 | GH₵93,959.86 | −GH₵254.38 |
| | 2.3440 | R$60.00 | GH₵93,619.36 | −GH₵594.88 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.3628 | – | GH₵94,510.12 | |
| | 2.4118 | R$0.00 | GH₵96,472.00 | +GH₵1,961.88 |
| | 2.3564 | R$0.00 | GH₵94,254.94 | −GH₵255.18 |
| | 2.3340 | R$60.00 | GH₵93,220.98 | −GH₵1,289.14 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.3177 | – | GH₵92,707.96 | |
| | 2.3893 | R$0.00 | GH₵95,572.00 | +GH₵2,864.04 |
| | 2.3158 | R$60.00 | GH₵92,492.51 | −GH₵215.45 |
| | 2.3114 | R$0.00 | GH₵92,457.65 | −GH₵250.31 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.3123 | – | GH₵92,491.52 | |
| | 2.3734 | R$0.00 | GH₵94,936.00 | +GH₵2,444.48 |
| | 2.3060 | R$0.00 | GH₵92,241.79 | −GH₵249.73 |
| | 2.2925 | R$60.00 | GH₵91,561.90 | −GH₵929.62 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.2826 | – | GH₵91,303.08 | |
| | 2.3627 | R$0.00 | GH₵94,508.00 | +GH₵3,204.92 |
| | 2.2764 | R$0.00 | GH₵91,056.56 | −GH₵246.52 |
| | 2.2691 | R$60.00 | GH₵90,626.16 | −GH₵676.92 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.3089 | – | GH₵92,357.88 | |
| | 2.3568 | R$0.00 | GH₵94,272.00 | +GH₵1,914.12 |
| | 2.3027 | R$0.00 | GH₵92,108.51 | −GH₵249.37 |
| | 2.2847 | R$60.00 | GH₵91,249.21 | −GH₵1,108.67 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.3089 | – | GH₵92,357.88 | |
| | 2.3568 | R$0.00 | GH₵94,272.00 | +GH₵1,914.12 |
| | 2.3027 | R$0.00 | GH₵92,108.51 | −GH₵249.37 |
| | 2.2847 | R$60.00 | GH₵91,249.21 | −GH₵1,108.67 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.3133 | – | GH₵92,533.24 | |
| | 2.3114 | R$0.00 | GH₵92,456.00 | −GH₵77.24 |
| | 2.3071 | R$0.00 | GH₵92,283.40 | −GH₵249.84 |
| | 2.2893 | R$60.00 | GH₵91,435.51 | −GH₵1,097.73 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.3189 | – | GH₵92,754.48 | |
| | 2.3660 | R$0.00 | GH₵94,640.00 | +GH₵1,885.52 |
| | 2.3126 | R$0.00 | GH₵92,504.04 | −GH₵250.44 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.3156 | – | GH₵92,623.36 | |
| | 2.3828 | R$0.00 | GH₵95,312.00 | +GH₵2,688.64 |
| | 2.3093 | R$0.00 | GH₵92,373.28 | −GH₵250.08 |
| | 2.3003 | R$60.00 | GH₵91,873.50 | −GH₵749.86 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.3199 | – | GH₵92,794.92 | |
| | 2.3732 | R$0.00 | GH₵94,928.00 | +GH₵2,133.08 |
| | 2.3136 | R$0.00 | GH₵92,544.37 | −GH₵250.55 |
| | 2.2944 | R$60.00 | GH₵91,637.61 | −GH₵1,157.31 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.2929 | – | GH₵91,714.04 | |
| | 2.3580 | R$0.00 | GH₵94,320.00 | +GH₵2,605.96 |
| | 2.2867 | R$0.00 | GH₵91,466.41 | −GH₵247.63 |
| | 2.2862 | R$60.00 | GH₵91,309.70 | −GH₵404.34 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.3336 | – | GH₵93,342.04 | |
| | 2.3692 | R$0.00 | GH₵94,768.00 | +GH₵1,425.96 |
| | 2.3273 | R$0.00 | GH₵93,090.02 | −GH₵252.02 |
| | 2.3205 | R$60.00 | GH₵92,679.73 | −GH₵662.31 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.3336 | – | GH₵93,342.04 | |
| | 2.3692 | R$0.00 | GH₵94,768.00 | +GH₵1,425.96 |
| | 2.3273 | R$0.00 | GH₵93,090.02 | −GH₵252.02 |
| | 2.3048 | R$60.00 | GH₵92,054.18 | −GH₵1,287.86 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.3244 | – | GH₵92,976.88 | |
| | 2.3692 | R$0.00 | GH₵94,768.00 | +GH₵1,791.12 |
| | 2.3181 | R$0.00 | GH₵92,725.84 | −GH₵251.04 |
| | 2.0410 | R$60.00 | GH₵81,517.34 | −GH₵11,459.54 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.1683 | – | GH₵86,733.92 | |
| | 2.1967 | R$0.00 | GH₵87,868.00 | +GH₵1,134.08 |
| | 2.1625 | R$0.00 | GH₵86,499.74 | −GH₵234.18 |
| | 2.1361 | R$60.00 | GH₵85,314.71 | −GH₵1,419.21 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.1819 | – | GH₵87,276.88 | |
| | 2.2326 | R$0.00 | GH₵89,304.00 | +GH₵2,027.12 |
| | 2.1760 | R$0.00 | GH₵87,041.23 | −GH₵235.65 |
| | 2.1573 | R$60.00 | GH₵86,160.75 | −GH₵1,116.13 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.1762 | – | GH₵87,046.44 | |
| | 2.2397 | R$0.00 | GH₵89,588.00 | +GH₵2,541.56 |
| | 2.1703 | R$0.00 | GH₵86,811.41 | −GH₵235.03 |
| | 2.1537 | R$60.00 | GH₵86,016.81 | −GH₵1,029.63 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.1630 | – | GH₵86,519.60 | |
| | 2.2295 | R$0.00 | GH₵89,180.00 | +GH₵2,660.40 |
| | 2.1571 | R$0.00 | GH₵86,286.00 | −GH₵233.60 |
| | 2.1435 | R$60.00 | GH₵85,612.64 | −GH₵906.96 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.1389 | – | GH₵85,554.72 | |
| | 2.1875 | R$0.00 | GH₵87,500.00 | +GH₵1,945.28 |
| | 2.1331 | R$0.00 | GH₵85,323.72 | −GH₵231.00 |
| | 2.1241 | R$60.00 | GH₵84,836.37 | −GH₵718.35 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.1389 | – | GH₵85,554.72 | |
| | 2.1875 | R$0.00 | GH₵87,500.00 | +GH₵1,945.28 |
| | 2.1331 | R$0.00 | GH₵85,323.72 | −GH₵231.00 |
| | 2.1241 | R$60.00 | GH₵84,836.37 | −GH₵718.35 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.1472 | – | GH₵85,886.84 | |
| | 2.1875 | R$0.00 | GH₵87,500.00 | +GH₵1,613.16 |
| | 2.1414 | R$0.00 | GH₵85,654.95 | −GH₵231.89 |
| | 2.1241 | R$60.00 | GH₵84,836.34 | −GH₵1,050.50 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.1400 | – | GH₵85,600.40 | |
| | 2.1991 | R$0.00 | GH₵87,964.00 | +GH₵2,363.60 |
| | 2.1342 | R$0.00 | GH₵85,369.28 | −GH₵231.12 |
| | 2.1186 | R$60.00 | GH₵84,617.74 | −GH₵982.66 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.1122 | – | GH₵84,488.40 | |
| | 2.1730 | R$0.00 | GH₵86,920.00 | +GH₵2,431.60 |
| | 2.1065 | R$0.00 | GH₵84,260.28 | −GH₵228.12 |
| | 2.0997 | R$60.00 | GH₵83,863.98 | −GH₵624.42 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.1304 | – | GH₵85,216.32 | |
| | 2.1772 | R$0.00 | GH₵87,088.00 | +GH₵1,871.68 |
| | 2.1247 | R$0.00 | GH₵84,986.24 | −GH₵230.08 |
| | 2.1144 | R$60.00 | GH₵84,448.17 | −GH₵768.15 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.1218 | – | GH₵84,873.24 | |
| | 2.1935 | R$0.00 | GH₵87,740.00 | +GH₵2,866.76 |
| | 2.1161 | R$0.00 | GH₵84,644.08 | −GH₵229.16 |
| | 2.0994 | R$60.00 | GH₵83,850.24 | −GH₵1,023.00 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.1227 | – | GH₵84,906.40 | |
| | 2.1744 | R$0.00 | GH₵86,976.00 | +GH₵2,069.60 |
| | 2.1169 | R$0.00 | GH₵84,677.15 | −GH₵229.25 |
| | 2.0994 | R$60.00 | GH₵83,849.95 | −GH₵1,056.45 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.1268 | – | GH₵85,073.20 | |
| | 2.1744 | R$0.00 | GH₵86,976.00 | +GH₵1,902.80 |
| | 2.1211 | R$0.00 | GH₵84,843.50 | −GH₵229.70 |
| | 2.0994 | R$60.00 | GH₵83,849.95 | −GH₵1,223.25 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.1228 | – | GH₵84,911.28 | |
| | 2.1744 | R$0.00 | GH₵86,976.00 | +GH₵2,064.72 |
| | 2.1171 | R$0.00 | GH₵84,682.02 | −GH₵229.26 |
| | 2.0948 | R$60.00 | GH₵83,666.71 | −GH₵1,244.57 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.1152 | – | GH₵84,608.32 | |
| | 2.1690 | R$0.00 | GH₵86,760.00 | +GH₵2,151.68 |
| | 2.1095 | R$0.00 | GH₵84,379.88 | −GH₵228.44 |
| | 2.0989 | R$60.00 | GH₵83,829.85 | −GH₵778.47 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 2.1152 | – | GH₵84,608.32 | |
|---|---|---|---|---|
| | ||||
| | ||||
| |
Each line shows what the recipient gets when you send R$40,000, after fees, as quoted by each company. The mid-market line shows what R$40,000 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 BRL 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 29 of the last 30 days.
Right now, MoneyGram pays 86,760 GHS on 40,000 BRL, which is 2,151.68 GHS more than the mid-market amount, so it's a good deal (pretty much free money).
Today's payout isn't the best this month though, since the highest receive amount was 96,472 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.
If you need to send money now, it's a good time to send.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Ghana.
We've tracked 176 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.
Cheapest every time
Never the cheapest
Never the cheapest
Based on 42 comparisons across 6 amounts over the last 7 days.
Cheapest in 92% of them
Cheapest in 1% of them
Cheapest in 1% of them
Based on 176 comparisons across 6 amounts over the last 30 days.
Cheapest in 95% of them
Cheapest in 12% of them
Cheapest in 0% of them
Based on 272 comparisons across 6 amounts over the last 90 days.
Different companies can come out cheapest depending on the day and the amount you send.
To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).
Today MoneyGram is the cheapest and gets you the most GHS, and it was also the cheapest in 92% of the 168 comparisons it appeared in over the past month.
It's a good pick for both one-off and regular transfers to Ghana.
Regency FX (today's second cheapest) was the cheapest in only 1% of its comparisons, so it's rarely the cheapest option for transfers 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 -2.51% markup when sending R$40,000, this will get you 86,760 GHS in Ghana.
In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.
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.
Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from R$40,000 it quoted.
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₵86,760 after the fees with MoneyGram.
Your recipient will collect cash at the nearest MoneyGram branch in Ghana.
Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.
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 83,829.85 GHS after all fees.
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
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 86,760 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₵86,760
Cheapest
You pay R$40,000.00
GH₵85,196
-GH₵1,564
You pay R$40,000.00
GH₵84,380
-GH₵2,380
You pay R$40,000.00
GH₵83,760
-GH₵3,000
You pay R$40,000.00
GH₵83,760
-GH₵3,000
You pay R$40,000.00
GH₵83,760
-GH₵3,000
You pay R$40,000.00
GH₵83,760
-GH₵3,000
You pay R$40,000.00
GH₵82,792
-GH₵3,968
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 86,760 GHS, which is 2.74% more than the next best option.
Fastest:
Revolut, paid by bank transfer with bank deposit for the payout. It delivers 83,829.85 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.
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.
In the past 30 days alone, we analysed 176 comparisons across 6 amounts.
This page covers the cheapest and fastest options for BRL/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.
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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