Best companies for CHF/GHS transfers
3 of 3 providers Last updated on 28 October 2026
Based on 6,000 CHF transfer Best companies for CHF/GHS transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee CHF 59.33 1 CHF = 14.0469 GHS +0.14% vs mid-market	Recipient gets GH₵ 83'448.00 Within minutes
25 reviews Multi-currency cardReceive 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 CHF 59.331 CHF = 14.0469 GHS GH₵ 83'448.00You payCHF 6'000.00
Promoted Regency FX Pay via Bank transfer	Fee CHF 0.00 1 CHF = 14.0285 GHS +0.27% vs mid-market	Recipient gets GH₵ 84'171.30 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Ghana with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 14.0285 GHS GH₵ 84'171.30You 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 = 14.0285 GHS +0.27% vs mid-market	Recipient gets GH₵ 84'171.30 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Ghana with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 CHF = 14.0285 GHS GH₵ 84'171.30You payCHF 6'000.00
Wise Pay via Bank transfer	Fee CHF 59.33 1 CHF = 14.0469 GHS +0.14% vs mid-market	Recipient gets GH₵ 83'448.00 Within minutes
25 reviews Recommended Multi-currency cardReceive 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 CHF 59.331 CHF = 14.0469 GHS GH₵ 83'448.00You payCHF 6'000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee CHF 56.50 1 CHF = 13.9651 GHS +0.72% vs mid-market	Recipient gets GH₵ 83'001.74 Within minutes
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in Ghana with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes CHF 56.501 CHF = 13.9651 GHS GH₵ 83'001.74You 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 = 13.9651 GHS +0.72% vs mid-market	Recipient gets GH₵ 81'200.24 Within minutes
10 reviews Multi-currency cardReceive to bank account
Ways to receive money in Ghana with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes CHF 185.501 CHF = 13.9651 GHS GH₵ 81'200.24You 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 = 14.0665 GHS Updates every 60 minutes.

Why compare

CHF/GHS exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Switzerland to Ghana

Pick a company

Start with the cheapest, which is Regency FX at 84,171.3 GHS for a CHF 6,000 transfer.

Regency FX was the cheapest on 23 of the 23 days it quoted fr.6,000 transfers to Ghana.

Sending the same money as an international transfer from your Swiss bank costs 1 to 3% in the rate before any fee.

Fund your transfer

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.

Verify and send

First time round you'll need a photo ID and your Swiss address.

The company may pause a first large transfer, it just means you need to submit more details to confirm it's really you.

Compare amounts

How much CHF are you sending to Ghana?

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.

Our analysis shows Regency FX was the cheapest in 100% of the transfers from CHF 6,000 it quoted, and in 99% of all the transfers it quoted.


CHF 500	-0.16%	CHF 0.00	GH₵ 7'042.32with debit card to bank deposit	+GH₵ 159.51
CHF 1'000	0.94%	CHF 0.00	GH₵ 13'934.50with bank transfer to bank deposit	+GH₵ 179.69
CHF 5'000	0.27%	CHF 0.00	GH₵ 70'094.61with bank transfer to bank deposit	+GH₵ 1'085.86
CHF 6'000This page	0.27%	CHF 0.00	GH₵ 84'171.30with bank transfer to bank deposit	+GH₵ 1'215.98
CHF 25'000	0.25%	CHF 0.00	GH₵ 350'328.26with bank transfer to bank deposit	+GH₵ 6'171.36

Mid-market rate: 1 CHF = 14.0665 GHS

CHF/GHS Exchange Rate History

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

The cheapest way to send CHF 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 Regency FX), across 30 days of comparisons for 6,000 CHF transfers to Ghana.

Each line shows what the recipient gets when you send CHF 6'000, after fees, as quoted by each company. The mid-market line shows what CHF 6'000 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 CHF 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 1 of the last 30 days.

Right now, Regency FX pays 84,171.3 GHS on 6,000 CHF, which is 227.87 GHS less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 85,392.23 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.

Cheapest over time

Picking the cheapest money transfer company

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 122 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

Regency FXAppeared in 67 comparisons
Cheapest in 99% of them
WiseAppeared in 88 comparisons
Cheapest in 8% of them
RevolutAppeared in 107 comparisons
Cheapest in 12% of them

Based on 122 comparisons across 5 amounts over the last 30 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 Regency FX is the cheapest and gets you the most GHS, and it was also the cheapest in 99% of the 67 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Ghana.

Wise (today's second cheapest) was the cheapest in only 8% of its comparisons, so it's rarely the cheapest option for transfers to Ghana.

Ways to send money from Switzerland to Ghana

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 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 83,448 GHS.

The fee is 59.33 CHF, with a 0.14% markup on top of the CHF/GHS rate.

In our comparisons over the past month, it was the cheapest online service on 26 of the 28 days it quoted.

For spending and receiving

Multi-currency accounts

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 0.14% exchange-rate markup and lets you hold CHF and GHS in one account.

Over the past month, it came out cheapest among multi-currency accounts on 96% of days.

For regular transfers

Money transfer apps

For the monthly transfer to family, money transfer apps are the easiest to start with.

Wise charges fr.59.33 on a fr.6,000 transfer, and the money lands within an hour.

Over the past month, Wise was the cheapest app on 89% of the days it appeared for fr.6,000 transfers.

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

Currency brokers

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.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from CHF 6,000 it quoted.

Brokers charge no fees, so settle with the one that gives you the best CHF/GHS rate.

For companies paying across borders

Global accounts

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.

Ways to fund CHF and receive GHS in Ghana

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 6,000 gives your recipient 84,171.3 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.

1

Bank transfer Bank deposit

You pay fr.6,000.00

GH₵84,171

Cheapest
2

Debit card Bank deposit

You pay fr.6,000.00

GH₵81,200

-GH₵2,971

Things to know before sending CHF to Ghana

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.

Compare CHF/GHS transfer options

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 84,171.3 GHS, which is 0.86% 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 83,001.74 GHS in within minutes.

Switzerland is in SEPA, but CHF is not a SEPA currency

Swiss banks can make SEPA payments in euros, but a CHF transfer to 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.

Gift tax depends on your canton

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.

Money transfer protection

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.

How we analyse the market

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.

In the past 30 days alone, we analysed 122 comparisons across 5 amounts.

This page covers the cheapest and fastest options for CHF/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.

Send money from Switzerland

Send money to Ghana

Tue, 29 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Wise Cheapest	13.9658	CHF 72.84	GH₵ 82'777.53	–
Revolut	13.9110	CHF 56.50	GH₵ 82'679.80	–
Regency FX No quote collected this day	–	–	–	–

Wed, 30 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	13.9915	–	GH₵ 83'948.83
Regency FX Cheapest	13.9537	CHF 0.00	GH₵ 83'722.16	−GH₵ 226.67
Wise	13.9903	CHF 75.17	GH₵ 82'890.15	−GH₵ 1'058.68
Revolut	13.9003	CHF 56.50	GH₵ 82'616.43	−GH₵ 1'332.40

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.0617	–	GH₵ 84'370.32
Regency FX Cheapest	14.0238	CHF 0.00	GH₵ 84'142.52	−GH₵ 227.80
Wise	14.0284	CHF 71.67	GH₵ 83'164.98	−GH₵ 1'205.34
Revolut	13.9332	CHF 56.50	GH₵ 82'812.21	−GH₵ 1'558.11

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.2288	–	GH₵ 85'372.86
Regency FX Cheapest	14.1904	CHF 0.00	GH₵ 85'142.35	−GH₵ 230.51
Wise	14.1512	CHF 71.08	GH₵ 83'901.33	−GH₵ 1'471.53
Revolut	14.0781	CHF 56.50	GH₵ 83'673.19	−GH₵ 1'699.67

Sat, 3 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.1786	–	GH₵ 85'071.78
Regency FX Cheapest	14.1403	CHF 0.00	GH₵ 84'842.09	−GH₵ 229.69
Wise	14.1565	CHF 58.74	GH₵ 84'107.45	−GH₵ 964.33
Revolut	14.0308	CHF 116.50	GH₵ 82'550.15	−GH₵ 2'521.63

Sun, 4 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.1125	–	GH₵ 84'674.80
Regency FX Cheapest	14.0744	CHF 0.00	GH₵ 84'446.17	−GH₵ 228.63
Wise	14.1565	CHF 58.74	GH₵ 84'107.45	−GH₵ 567.35
Revolut	14.0308	CHF 116.50	GH₵ 82'550.15	−GH₵ 2'124.65

Mon, 5 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.1636	–	GH₵ 84'981.65
Paysend Cheapest	14.0575	CHF 0.00	GH₵ 84'345.14	−GH₵ 636.51
Wise	14.1002	CHF 103.72	GH₵ 83'138.73	−GH₵ 1'842.92
Regency FX No quote collected this day	–	–	–	–
Revolut No quote collected this day	–	–	–	–

Tue, 6 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.0990	–	GH₵ 84'594.23
Regency FX Cheapest	14.0610	CHF 0.00	GH₵ 84'365.83	−GH₵ 228.40
Revolut	14.0635	CHF 56.50	GH₵ 83'586.23	−GH₵ 1'008.00
Wise	14.1147	CHF 86.27	GH₵ 83'470.52	−GH₵ 1'123.71

Wed, 7 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.1290	–	GH₵ 84'774.29
Regency FX Cheapest	14.0909	CHF 0.00	GH₵ 84'545.40	−GH₵ 228.89
Wise	14.1411	CHF 54.03	GH₵ 84'082.56	−GH₵ 691.73
Revolut	14.0531	CHF 56.50	GH₵ 83'524.86	−GH₵ 1'249.43

Thu, 8 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.1768	–	GH₵ 85'060.95
Regency FX Cheapest	14.1385	CHF 0.00	GH₵ 84'831.29	−GH₵ 229.66
Wise	14.1754	CHF 78.09	GH₵ 83'945.44	−GH₵ 1'115.51
Revolut	14.0929	CHF 56.50	GH₵ 83'761.41	−GH₵ 1'299.54

Fri, 9 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.1693	–	GH₵ 85'015.97
Regency FX Cheapest	14.1311	CHF 0.00	GH₵ 84'786.43	−GH₵ 229.54
Wise	14.1588	CHF 72.83	GH₵ 83'921.61	−GH₵ 1'094.36
Revolut	14.0761	CHF 56.50	GH₵ 83'661.34	−GH₵ 1'354.63

Sat, 10 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.1869	–	GH₵ 85'121.59
Regency FX Cheapest	14.1486	CHF 0.00	GH₵ 84'891.76	−GH₵ 229.83
Wise	14.1838	CHF 64.63	GH₵ 84'186.10	−GH₵ 935.49
Revolut	14.0806	CHF 116.50	GH₵ 82'843.05	−GH₵ 2'278.54

Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.1253	–	GH₵ 84'751.57
Regency FX Cheapest	14.0871	CHF 0.00	GH₵ 84'522.74	−GH₵ 228.83
Wise	14.1683	CHF 85.69	GH₵ 83'795.72	−GH₵ 955.85
Revolut	14.0684	CHF 56.50	GH₵ 83'615.31	−GH₵ 1'136.26

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.1370	–	GH₵ 84'821.96
Regency FX Cheapest	14.0988	CHF 0.00	GH₵ 84'592.94	−GH₵ 229.02
Revolut	13.9807	CHF 56.50	GH₵ 83'094.15	−GH₵ 1'727.81
Wise No quote collected this day	–	–	–	–

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Wise Cheapest	13.9013	CHF 55.80	GH₵ 82'632.11	–
Revolut	13.8794	CHF 56.50	GH₵ 82'492.41	–
Regency FX No quote collected this day	–	–	–	–

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.0253	–	GH₵ 84'151.85
Regency FX Cheapest	13.9874	CHF 0.00	GH₵ 83'924.64	−GH₵ 227.21
Wise	14.0341	CHF 51.67	GH₵ 83'479.46	−GH₵ 672.39
Revolut	13.9597	CHF 56.50	GH₵ 82'969.55	−GH₵ 1'182.30

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.1099	–	GH₵ 84'659.68
Regency FX Cheapest	14.0719	CHF 0.00	GH₵ 84'431.10	−GH₵ 228.58
Wise	14.1272	CHF 66.98	GH₵ 83'816.96	−GH₵ 842.72
Revolut	14.0415	CHF 56.50	GH₵ 83'455.48	−GH₵ 1'204.20

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.1598	–	GH₵ 84'959.03
Regency FX Cheapest	14.1216	CHF 0.00	GH₵ 84'729.64	−GH₵ 229.39
Revolut	14.0408	CHF 116.50	GH₵ 82'609.17	−GH₵ 2'349.86
Wise No quote collected this day	–	–	–	–

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Wise Cheapest	14.1367	CHF 61.69	GH₵ 83'948.11	–
Revolut	14.0512	CHF 56.50	GH₵ 83'513.04	–
Regency FX No quote collected this day	–	–	–	–

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.1626	–	GH₵ 84'975.32
Regency FX Cheapest	14.1243	CHF 0.00	GH₵ 84'745.88	−GH₵ 229.44
Wise	14.1162	CHF 65.21	GH₵ 83'776.68	−GH₵ 1'198.64
Revolut No quote collected this day	–	–	–	–

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Wise Cheapest	14.1072	CHF 66.39	GH₵ 83'706.62	–
Regency FX No quote collected this day	–	–	–	–
Revolut No quote collected this day	–	–	–	–

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Wise Cheapest	14.1619	CHF 51.67	GH₵ 84'239.65	–
Revolut	14.0821	CHF 56.50	GH₵ 83'696.95	–
Regency FX No quote collected this day	–	–	–	–

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.0750	–	GH₵ 84'450.29
Regency FX Cheapest	14.0370	CHF 0.00	GH₵ 84'222.28	−GH₵ 228.01
Wise	14.0870	CHF 51.67	GH₵ 83'794.12	−GH₵ 656.17
Revolut	14.0264	CHF 56.50	GH₵ 83'365.86	−GH₵ 1'084.43

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.0430	–	GH₵ 84'257.95
Regency FX Cheapest	14.0051	CHF 0.00	GH₵ 84'030.46	−GH₵ 227.49
Wise	14.0834	CHF 66.38	GH₵ 83'565.54	−GH₵ 692.41
Revolut	13.9963	CHF 116.50	GH₵ 82'347.49	−GH₵ 1'910.46

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	14.0078	–	GH₵ 84'047.08
Paysend Cheapest	14.2320	CHF 0.00	GH₵ 85'392.23	+GH₵ 1'345.15
Wise	14.0500	CHF 49.31	GH₵ 83'607.19	−GH₵ 439.89
Regency FX No quote collected this day	–	–	–	–
Revolut No quote collected this day	–	–	–	–

How to send money to Ghana from Switzerland with the best CHF-GHS rate

Best companies for CHF/GHS transfers