The cheapest option overall is Regency FX, giving your recipient 83,784.13 GHS when you send CHF 6,000.
Below we’ve compared 3 ways to send money from Switzerland to Ghana.
| 3 of 3 providers Last updated on 28 September 2026 | |||
| Based on 6,000 CHF transfer Best companies for CHF/GHS transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee CHF 86.85 1 CHF = 14.0306 GHS -0.21% vs mid-market | Recipient gets GH₵ 82'965.04 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer CHF 86.851 CHF = 14.0306 GHS GH₵ 82'965.04You payCHF 6'000.00 | |||
| Promoted  Regency FX Pay via Bank transfer | Fee CHF 0.00 1 CHF = 13.9640 GHS +0.27% vs mid-market | Recipient gets GH₵ 83'784.13 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 CHF = 13.9640 GHS GH₵ 83'784.13You payCHF 6'000.00 | |||
Run a live search Showing top Switzerland to Ghana deals for 6,000 CHF. 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 CHF 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 CHF you're planning to spend in Ghana. | |||
Run a live search These are managed services with real human support for large CHF transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: First Transfer Deal Regency FX Pay via Bank transfer | Fee CHF 0.00 1 CHF = 13.9640 GHS +0.27% vs mid-market | Recipient gets GH₵ 83'784.13 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 CHF = 13.9640 GHS GH₵ 83'784.13You payCHF 6'000.00 | |||
| Wise Pay via Bank transfer | Fee CHF 86.85 1 CHF = 14.0306 GHS -0.21% vs mid-market | Recipient gets GH₵ 82'965.04 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer CHF 86.851 CHF = 14.0306 GHS GH₵ 82'965.04You payCHF 6'000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee CHF 56.50 1 CHF = 13.9150 GHS +0.62% vs mid-market | Recipient gets GH₵ 82'703.70 Within minutes | |
Ways to receive money in Ghana with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes CHF 56.501 CHF = 13.9150 GHS GH₵ 82'703.70You payCHF 6'000.00 | |||
| 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. | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee CHF 185.50 1 CHF = 13.9150 GHS +0.62% vs mid-market | Recipient gets GH₵ 80'908.67 Within minutes | |
Ways to receive money in Ghana with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes CHF 185.501 CHF = 13.9150 GHS GH₵ 80'908.67You payCHF 6'000.00 | |||
| 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 CHF = 14.0018 GHS Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Regency FX at 83,784.13 GHS for CHF 6,000 transfer.
Sending the same money as an international transfer from your Swiss bank costs 1 to 3% in the rate before any fee.
You have 2 ways to pay, including bank transfer and debit card.
TWINT won't do this, it's for paying people and shops inside Switzerland.
First time round you'll need a photo ID and your Swiss address.
Your may pause a first large transfer, it just means you need to submit more details to confirm it's really you.
How much CHF 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 | |||||
|---|---|---|---|---|---|
| CHF 1'000 | 0.75% | CHF 0.00 | GH₵ 13'890.30with bank transfer to bank deposit | +GH₵ 206.53 | |
| CHF 6'000This page | 0.27% | CHF 0.00 | GH₵ 83'784.13with bank transfer to bank deposit | +GH₵ 1'193.75 | |
| CHF 25'000 | CHF 275.00 | GH₵ 343'599.48with bank transfer to bank deposit | +GH₵ 117'023.01 |
Mid-market rate: 1 CHF = 14.0018 GHS
3 companies send money from Switzerland to Ghana, across app, multi-currency account, global account, broker, and online, and more.
For one-off transfers
Online services like Wise are usually cheaper than Swiss banks for one-off and medium-sized transfers.
With Wise, 6,000 CHF gets your recipient 82,965.04 GHS.
The fee is 86.85 CHF, with a -0.21% on top of CHF/GHS rate.
For spending and receiving
A multi-currency account is useful if you earn in Swiss francs but spend money in GHS (be it payments or travelling).
Wise converts CHF 6,000 with a -0.21% exchange-rate markup and lets you hold CHF and GHS in one account.
For regular transfers
For the monthly transfer to family, money transfers apps are the easiest to start with.
Wise charges fr.86.85 on a fr.6,000 transfer, and the money lands within 3 hours.
You can also save recipients and create automated scheduled transfers to Ghana.
You can’t make deposits with TWINT, but instead you can use Apple Pay, Google Pay, bank transfer and debit card.
For large CHF transfers
Private banks can usually do this too, but brokers streamline the process and you also get an account manager to handle the transfer.
For example, if you are buying property in Ghana or moving your wealth, a broker like Regency FX charges no fee and works on a margin instead (0.27% on CHF/GHS).
I suggest , since the more GHS you send the better rate you get.
Brokers charge no fees, so settle with the one that gives you the best CHF/GHS rate.
For companies paying across borders
Converting every payment separately adds extra work for Swiss businesses with regular costs in Ghana.
A global account lets you hold GHS alongside CHF and pay from the balance.
Wise Business, WorldFirst and Airwallex offer multi-currency accounts with business payment tools.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 6,000 gives your recipient 83,784.13 GHS.
The transfer can be paid for by bank transfer and debit card.
You can pay from your Swiss bank account
Send CHF to the account details provided by the company.
Use the exact reference so it can match the payment to your transfer.
TWINT is mainly for payments in Switzerland, so it does not replace an international transfer to Ghana.
In Ghana, they can get GHS delivered as bank deposit.
You pay fr.6,000.00
GH₵83,784
Cheapest
You pay fr.6,000.00
GH₵80,909
-GH₵2,875
The exchange-rate margin usually matters more than the transfer fee from Switzerland. Gift tax and account protection also depend on details that are easy to miss.
For a CHF 6,000 transfer to Ghana, these are the best options in our comparison.
Cheapest way to send money to Ghana
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 83,784.13 GHS, which is 0.98% more than the next best option.
Fastest way to send money to Ghana
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 82,703.7 GHS in within minutes.
Swiss banks can make SEPA payments in euros, but CHF transfer to a GHS requires a conversion.
Same goes for TWINT and Swiss instant payments.
Money transfer companies can take these as funding methods (since accounts are in Switzerland) but then they switch to an internal network of accounts.
Switzerland has no federal gift tax applied on transfers abroad.
Most cantons impose their own rules, with the amount due usually depending on the value of the gift and your relationship to the recipient.
The federal Swiss authorities explain the cantonal rules here.
Do not assume every app used in Switzerland is FINMA-authorised or covered by Swiss deposit insurance.
Some services operate under a foreign licence, and a Swiss virtual IBAN does not by itself create Swiss deposit protection.
Eligible deposits at participating Swiss banks are protected up to CHF 100,000 per customer and bank, but esisuisse confirms that a virtual IBAN or correspondent account may fall outside that protection.
If you’re in doubt about a money transfer company or app, check the legal company behind the service in the FINMA register.
The rate you secure determines how much GHS arrives for your CHF. The weekly average is a simple benchmark for comparing today's offers.
Mid-market rate:1 CHF = 13.991275 GHS
Most pricing comes straight from the companies, and anything we collect by hand is marked in the table.
That covers 3 of them sending CHF to Ghana, refreshed in real time on live searches and compared on rates, fees and 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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