How to send money to Ghana from Germany with the best EUR-GHS rate

WorldRemit is the best and cheapest service overall. On €7,000 you will get 91,205.8 GHS after fees and the exchange rate.

We’ve compared 7 money transfer companies in more detail below.

Best companies for EUR/GHS transfers

7 of 7 providers

Last updated on 28 October 2026

Based on 7,000 EUR transfer

Best companies for EUR/GHS transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee €88.45 1 EUR = 12.9508 GHS +0.22% vs mid-market Recipient gets GH₵89,510.10 Within minutes
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
€88.451 EUR = 12.9508 GHS
GH₵89,510.10You pay€7,000.00
Promoted

Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 12.9444 GHS +0.27% vs mid-market Recipient gets GH₵90,610.71 Minutes - 24 hours
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 EUR = 12.9444 GHS
GH₵90,610.71You pay€7,000.00

Run a live search

Showing top Germany to Ghana deals for 7,000 EUR. Do a live search with your exact amount for today's best rates.
Only available via Mobile App

WorldRemit

Pay via Debit card
Fee €0.00 1 EUR = 13.0294 GHS -0.38% vs mid-market Recipient gets GH₵91,205.80 Minutes - 2 days
Cheapest
Receive to bank account or cash pickup

Ways to receive money in Ghana with WorldRemit when paying by debit card.

MethodFee & ratesRecipient gets
Mobile moneyMinutes - 2 days
Free1 EUR = 13.0294 GHS
GH₵91,205.80You pay€7,000.00
Bank depositMinutes - 2 days
€0.991 EUR = 13.0294 GHS
GH₵91,192.90You pay€7,000.00
Card depositMinutes - 2 days
Free1 EUR = 12.9595 GHS
GH₵90,716.64You pay€7,000.00
Only available via Mobile App

Sendwave

Pay via Debit card
Fee €0.00 1 EUR = 13.0294 GHS -0.38% vs mid-market Recipient gets GH₵91,205.80 Minutes - 3 days
Receive to bank account or cash pickup

Ways to receive money in Ghana with Sendwave when paying by debit card.

MethodFee & ratesRecipient gets
Mobile moneyMinutes - 3 days
Free1 EUR = 13.0294 GHS
GH₵91,205.80You pay€7,000.00
Bank depositMinutes - 3 days
Free1 EUR = 13.0294 GHS
GH₵91,205.80You pay€7,000.00

TapTap Send

Pay via Debit card
Fee €0.00 1 EUR = 13.0294 GHS -0.38% vs mid-market Recipient gets GH₵91,205.80 Minutes
Receive to bank account

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 EUR = 13.0294 GHS
GH₵91,205.80You pay€7,000.00
Bank depositMinutes
Free1 EUR = 13.0294 GHS
GH₵91,205.80You pay€7,000.00
Cash pickupMinutesAvailable via:CBG Cash Pickup
Free1 EUR = 13.0294 GHS
GH₵91,205.80You pay€7,000.00
TapTap WalletMinutesAvailable via:Wallet (GHS)
Free1 EUR = 13.0294 GHS
GH₵91,205.80You pay€7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee €0.00 1 EUR = 13.0251 GHS -0.35% vs mid-market Recipient gets GH₵91,175.70 Minutes - 24 hours

Ways to receive money in Ghana with MoneyGram when paying by debit card.

MethodFee & ratesRecipient gets
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
Free1 EUR = 13.0251 GHS
GH₵91,175.70You pay€7,000.00
Bank depositMinutes - 24 hoursAvailable via:All Banks
€0.901 EUR = 13.0251 GHS
GH₵91,175.70You pay€7,000.90
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
€0.901 EUR = 12.9705 GHS
GH₵90,793.50You pay€7,000.90
Cash pickupMinutes - 24 hours
€3.991 EUR = 12.9705 GHS
GH₵90,793.50You pay€7,003.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee €0.00 1 EUR = 13.0251 GHS -0.35% vs mid-market Recipient gets GH₵91,175.70 Minutes - 24 hours

Ways to receive money in Ghana with MoneyGram when paying by credit card.

MethodFee & ratesRecipient gets
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
Free1 EUR = 13.0251 GHS
GH₵91,175.70You pay€7,000.00
Bank depositMinutes - 24 hoursAvailable via:All Banks
€0.901 EUR = 13.0251 GHS
GH₵91,175.70You pay€7,000.90
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
€0.901 EUR = 12.9705 GHS
GH₵90,793.50You pay€7,000.90
Cash pickupMinutes - 24 hours
€3.991 EUR = 12.9705 GHS
GH₵90,793.50You pay€7,003.99
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee €0.00 1 EUR = 13.0251 GHS -0.35% vs mid-market Recipient gets GH₵91,175.70 Minutes - 24 hours

Ways to receive money in Ghana with MoneyGram when paying by bank transfer.

MethodFee & ratesRecipient gets
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
Free1 EUR = 13.0251 GHS
GH₵91,175.70You pay€7,000.00
Bank depositMinutes - 24 hoursAvailable via:All Banks
€0.901 EUR = 13.0251 GHS
GH₵91,175.70You pay€7,000.90
Cash pickupMinutes - 24 hours
€3.991 EUR = 12.9705 GHS
GH₵90,793.50You pay€7,003.99
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 12.9444 GHS +0.27% vs mid-market Recipient gets GH₵90,610.71 Minutes - 24 hours
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 EUR = 12.9444 GHS
GH₵90,610.71You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee €31.50 1 EUR = 12.8761 GHS +0.80% vs mid-market Recipient gets GH₵89,727.26 Within minutes
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
€31.501 EUR = 12.8761 GHS
GH₵89,727.26You pay€7,000.00

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.

Wise

Pay via Bank transfer
Fee €88.45 1 EUR = 12.9508 GHS +0.22% vs mid-market Recipient gets GH₵89,510.10 Within minutes
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
€88.451 EUR = 12.9508 GHS
GH₵89,510.10You pay€7,000.00

Wise

Pay via iDEAL
Fee €98.44 1 EUR = 12.9508 GHS +0.22% vs mid-market Recipient gets GH₵89,380.72 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Ghana with Wise when paying by ideal.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€98.441 EUR = 12.9508 GHS
GH₵89,380.72You pay€7,000.00

Wise

Pay via Debit card
Fee €142.64 1 EUR = 12.9508 GHS +0.22% vs mid-market Recipient gets GH₵88,808.30 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Ghana with Wise when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€142.641 EUR = 12.9508 GHS
GH₵88,808.30You pay€7,000.00

Wise

Pay via Credit card
Fee €184.04 1 EUR = 12.9508 GHS +0.22% vs mid-market Recipient gets GH₵88,272.13 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Ghana with Wise when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€184.041 EUR = 12.9508 GHS
GH₵88,272.13You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee €191.00 1 EUR = 12.8761 GHS +0.80% vs mid-market Recipient gets GH₵87,673.52 Within minutes
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
€191.001 EUR = 12.8761 GHS
GH₵87,673.52You pay€7,000.00

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 EUR = 12.9794 GHS Updates every 60 minutes.

How to send money from Germany to Ghana

Pick a company

For a one-off transfer from Germany, I suggest picking the cheapest option which is WorldRemit.

WorldRemit was the cheapest on 1 of the 18 days it quoted €7,000 transfers to Ghana.

On a 7,000 EUR transfer, WorldRemit delivers the most GHS.

This will change depending on how much you actually send, so I suggest running a live search to get the best EUR/GHS rate.

Fund your transfer

You have 4 ways to pay, including debit card, bank transfer, credit card, and iDEAL.

Verify and send

First time round you'll need a photo ID and proof of your German address.

Video identification is also normal and takes a few minutes.

Compare amounts

How much EUR are you sending to Ghana?

How much EUR 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 WorldRemit was the cheapest in 5% of the transfers from €7,000 it quoted, and in 2% of all the transfers it quoted.

Cheapest service
€500-1.16%€0.00GH₵6,567.50with debit card to bank deposit+GH₵116.63
€1,000-0.34%€0.00GH₵13,029.40with debit card to mobile money+GH₵144.75
€5,000€0.00GH₵65,147.00with debit card to mobile money+GH₵687.35
€7,000This page-0.38%€0.00GH₵91,205.80with debit card to mobile money+GH₵1,119.09
€50,000-0.35%€0.00GH₵651,470.00with debit card to mobile money+GH₵5,701.95

Mid-market rate: 1 EUR = 12.9794 GHS

EUR/GHS Exchange Rate History

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

The cheapest way to send EUR 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 WorldRemit), across 30 days of comparisons for 7,000 EUR transfers to Ghana.

GHS received for €7,000, after fees

Wed, 28 Oct 2026Mid-market rateGH₵90,856.02 WorldRemit GH₵91,205.80WorldRemitGH₵91,205.80SendwaveGH₵91,205.80TapTap SendGH₵91,205.80

90.500
91.000
91.500
92.000
92.500
93.000
93.500
At the mid-market rateWith the cheapest optionWorldRemitSendwaveTapTap Send
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.2270 – GH₵92,589.13
WorldRemit 13.2730 €0.00 GH₵92,911.00 +GH₵321.87
Sendwave Cheapest 13.2730 €0.00 GH₵92,911.00 +GH₵321.87
TapTap Send 13.2730 €0.00 GH₵92,911.00 +GH₵321.87
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.2411 – GH₵92,687.69
MoneyGram Cheapest 13.2693 €0.00 GH₵92,885.10 +GH₵197.41
TapTap Send 13.2300 €0.00 GH₵92,610.00 −GH₵77.69
WorldRemit 13.2290 €0.00 GH₵92,603.00 −GH₵84.69
Sendwave No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.2735 – GH₵92,914.81
Sendwave Cheapest 13.2917 €0.00 GH₵93,041.90 +GH₵127.09
TapTap Send 13.2917 €0.00 GH₵93,041.90 +GH₵127.09
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.2616 – GH₵92,831.35
TapTap Send Cheapest 13.3200 €0.00 GH₵93,240.00 +GH₵408.65
Sendwave 13.3179 €0.00 GH₵93,225.30 +GH₵393.95
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.2242 – GH₵92,569.09
MoneyGram Cheapest 13.2860 €0.00 GH₵93,002.00 +GH₵432.91
TapTap Send 13.2200 €0.00 GH₵92,540.00 −GH₵29.09
Sendwave 13.2150 €0.00 GH₵92,505.00 −GH₵64.09
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.1948 – GH₵92,363.80
MoneyGram Cheapest 13.2860 €0.00 GH₵93,002.00 +GH₵638.20
TapTap Send 13.2200 €0.00 GH₵92,540.00 +GH₵176.20
WorldRemit 13.2150 €0.00 GH₵92,505.00 +GH₵141.20
Sendwave 13.2150 €0.00 GH₵92,505.00 +GH₵141.20
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.1269 – GH₵91,888.15
MoneyGram Cheapest 13.2860 €0.00 GH₵93,002.00 +GH₵1,113.85
TapTap Send 13.2200 €0.00 GH₵92,540.00 +GH₵651.85
WorldRemit 13.2150 €0.00 GH₵92,505.00 +GH₵616.85
Sendwave No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.1495 – GH₵92,046.24
Sendwave Cheapest 13.2540 €0.00 GH₵92,778.00 +GH₵731.76
TapTap Send 13.2540 €0.00 GH₵92,778.00 +GH₵731.76
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.2079 – GH₵92,455.49
MoneyGram Cheapest 13.2287 €0.00 GH₵92,600.90 +GH₵145.41
WorldRemit 13.2020 €0.00 GH₵92,414.00 −GH₵41.49
Sendwave 13.2020 €0.00 GH₵92,414.00 −GH₵41.49
TapTap Send 13.2020 €0.00 GH₵92,414.00 −GH₵41.49
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.2229 – GH₵92,560.31
MoneyGram Cheapest 13.2827 €0.00 GH₵92,978.90 +GH₵418.59
WorldRemit 13.2725 €0.00 GH₵92,907.50 +GH₵347.19
TapTap Send 13.2725 €0.00 GH₵92,907.50 +GH₵347.19
Sendwave No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.2111 – GH₵92,477.52
MoneyGram Cheapest 13.2564 €0.00 GH₵92,794.80 +GH₵317.28
WorldRemit 13.2436 €0.00 GH₵92,705.20 +GH₵227.68
TapTap Send 13.2436 €0.00 GH₵92,705.20 +GH₵227.68
Sendwave No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.1881 – GH₵92,316.36
TapTap Send Cheapest 13.2146 €0.00 GH₵92,502.20 +GH₵185.84
WorldRemit No quote collected this day – – – –
Sendwave No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.1881 – GH₵92,316.36
Sendwave Cheapest 13.2146 €0.00 GH₵92,502.20 +GH₵185.84
TapTap Send 13.2146 €0.00 GH₵92,502.20 +GH₵185.84
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.1669 – GH₵92,167.99
WorldRemit 13.2146 €0.00 GH₵92,502.20 +GH₵334.21
Sendwave Cheapest 13.2146 €0.00 GH₵92,502.20 +GH₵334.21
TapTap Send 13.2146 €0.00 GH₵92,502.20 +GH₵334.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.1746 – GH₵92,222.00
WorldRemit 13.2225 €0.00 GH₵92,557.50 +GH₵335.50
Sendwave Cheapest 13.2225 €0.00 GH₵92,557.50 +GH₵335.50
TapTap Send 13.2225 €0.00 GH₵92,557.50 +GH₵335.50
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.0572 – GH₵91,400.46
WorldRemit 13.2225 €0.00 GH₵92,557.50 +GH₵1,157.04
Sendwave Cheapest 13.2225 €0.00 GH₵92,557.50 +GH₵1,157.04
TapTap Send 13.1280 €0.00 GH₵91,896.00 +GH₵495.54
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.0676 – GH₵91,473.25
MoneyGram Cheapest 13.1224 €0.00 GH₵91,856.80 +GH₵383.55
WorldRemit 13.1143 €0.00 GH₵91,800.10 +GH₵326.85
TapTap Send 13.1143 €0.00 GH₵91,800.10 +GH₵326.85
Sendwave No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.0755 – GH₵91,528.25
Regency FX Cheapest 13.0402 €0.00 GH₵91,281.13 −GH₵247.12
WorldRemit 13.0028 €0.00 GH₵91,019.60 −GH₵508.65
Sendwave 13.0028 €0.00 GH₵91,019.60 −GH₵508.65
TapTap Send 13.0028 €0.00 GH₵91,019.60 −GH₵508.65
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.1419 – GH₵91,993.52
Regency FX Cheapest 13.1064 €0.00 GH₵91,745.13 −GH₵248.39
TapTap Send 13.0667 €0.00 GH₵91,466.90 −GH₵526.62
WorldRemit No quote collected this day – – – –
Sendwave No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.1419 – GH₵91,993.52
Regency FX Cheapest 13.1064 €0.00 GH₵91,745.13 −GH₵248.39
TapTap Send 13.0667 €0.00 GH₵91,466.90 −GH₵526.62
WorldRemit No quote collected this day – – – –
Sendwave No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.1530 – GH₵92,071.19
Regency FX Cheapest 13.1175 €0.00 GH₵91,822.60 −GH₵248.59
WorldRemit 13.0667 €0.00 GH₵91,466.90 −GH₵604.29
TapTap Send 13.0667 €0.00 GH₵91,466.90 −GH₵604.29
Sendwave No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.1260 – GH₵91,882.30
Sendwave Cheapest 13.1672 €0.00 GH₵92,170.40 +GH₵288.10
TapTap Send 13.1672 €0.00 GH₵92,170.40 +GH₵288.10
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.0535 – GH₵91,374.24
TapTap Send Cheapest 13.1672 €0.00 GH₵92,170.40 +GH₵796.16
WorldRemit 13.1251 €0.00 GH₵91,875.70 +GH₵501.46
Sendwave 13.1251 €0.00 GH₵91,875.70 +GH₵501.46
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.1088 – GH₵91,761.46
MoneyGram Cheapest 13.1052 €0.00 GH₵91,736.40 −GH₵25.06
TapTap Send 13.0931 €0.00 GH₵91,651.70 −GH₵109.76
WorldRemit No quote collected this day – – – –
Sendwave No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.9864 – GH₵90,904.92
MoneyGram Cheapest 13.0798 €0.00 GH₵91,558.60 +GH₵653.68
WorldRemit 13.0541 €0.00 GH₵91,378.70 +GH₵473.78
Sendwave 13.0541 €0.00 GH₵91,378.70 +GH₵473.78
TapTap Send 13.0541 €0.00 GH₵91,378.70 +GH₵473.78
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.9797 – GH₵90,857.61
MoneyGram Cheapest 13.0606 €0.00 GH₵91,424.20 +GH₵566.59
WorldRemit 13.0121 €0.00 GH₵91,084.70 +GH₵227.09
TapTap Send 13.0121 €0.00 GH₵91,084.70 +GH₵227.09
Sendwave No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.9797 – GH₵90,857.61
MoneyGram Cheapest 13.0606 €0.00 GH₵91,424.20 +GH₵566.59
WorldRemit 13.0121 €0.00 GH₵91,084.70 +GH₵227.09
Sendwave 13.0121 €0.00 GH₵91,084.70 +GH₵227.09
TapTap Send 13.0121 €0.00 GH₵91,084.70 +GH₵227.09
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.9768 – GH₵90,837.43
MoneyGram Cheapest 13.0606 €0.00 GH₵91,424.20 +GH₵586.77
Sendwave 13.0121 €0.00 GH₵91,084.70 +GH₵247.27
TapTap Send 13.0121 €0.00 GH₵91,084.70 +GH₵247.27
WorldRemit No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 13.0030 – GH₵91,021.27
TapTap Send Cheapest 13.0538 €0.00 GH₵91,376.60 +GH₵355.33
WorldRemit No quote collected this day – – – –
Sendwave No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.9794 – GH₵90,856.02
WorldRemit Cheapest 13.0294 €0.00 GH₵91,205.80 +GH₵349.78
Sendwave 13.0294 €0.00 GH₵91,205.80 +GH₵349.78
TapTap Send 13.0294 €0.00 GH₵91,205.80 +GH₵349.78

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send €7,000, after fees, as quoted by each company. The mid-market line shows what €7,000 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 EUR 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 25 of the last 30 days.

Right now, WorldRemit pays 91,205.8 GHS on 7,000 EUR, which is 349.78 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 93,240 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.

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

  1. WorldRemitAppeared in 52 comparisons

    Cheapest in 2% of them

  2. SendwaveAppeared in 50 comparisons

    Cheapest in 24% of them

  3. TapTap SendAppeared in 91 comparisons

    Cheapest in 11% of them

Based on 94 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 WorldRemit is the cheapest and gets you the most GHS, but it was the cheapest in only 2% of the 52 comparisons it appeared in over the past month.

Sendwave (today's second cheapest) was the cheapest in only 24% of its comparisons, so it's rarely the cheapest option for transfers to Ghana.

If it's a one-off transfer, go with WorldRemit, since it's the cheapest right now.

Ways to send money from Germany to Ghana

There are 7 companies for sending money from Germany to Ghana, across app, online, multi-currency account, global account, in person, and broker, and more below.

Fastest and easiest way

Online and app transfers

Within the eurozone, SEPA covers all transfers, but outside, it gets very expensive and money transfer companies make it cheaper.

Sending €7,000 with WorldRemit to Ghana gets you 91,205.8 GHS with a €0 fee and -0.38% markup.

In our comparisons over the past month, it was the cheapest online service on 1 of the 18 days it quoted.

Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.

For paying in cash at a counter

In-person transfers

There's no legal limit on how much you can send, so the counter in the kiosk, the callshop or the grocery store is still a popular way to send money internationally.

Deposit €7,000 to MoneyGram online, and choose cash pickup as delivery option. Once you pay, it should be available in minutes.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

In general, online transfers are cheaper than sending cash to Ghana.

For large transfers from Germany

Currency brokers

For buying property, moving to Ghana, or moving pensions, a currency broker is the best option.

A broker like Regency FX charges no fee and works on a margin. It adds 0.27% on EUR/GHS which gets negotiated the more you send.

And you get an account manager to help you through the process.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from €7,000 it quoted.

For some international payments above €50,000, German residents may need to file an AWV report with the Bundesbank, make sure to check in advance.

For making business payments

Global accounts

Global accounts are for businesses making payments to Ghana.

Be it overseas suppliers and contractors, receiving GHS payments, or holding GHS and EUR in one business account.

Companies like Airwallex, WorldFirst, or Wise Business offer the best tools for international business transfers.

For spending & receiving

Multi-currency accounts

A multi-currency account lets you hold EUR and GHS in one account.

You get GHS bank details, and can receive international payments like rent, dividends, family payments without additional conversions.

You can convert GHS to EUR or EUR to GHS whenever you need.

The best multi-currency account is Revolut, it adds ~0.8% markup and charges small fees.

Over the past month, it came out cheapest among multi-currency accounts on 41% of days.

Ways to fund EUR and receive GHS in Ghana

With WorldRemit, paying by debit card and receiving through mobile money is the cheapest way. Sending €7,000 gives your recipient 91,205.8 GHS.

You can pay for the transfer using debit card, bank transfer, credit card, and iDEAL.

Using German bank

A SEPA bank transfer is usually the cheapest way to deposit EUR.

An instant SEPA payment can reduce funding time, but it does not guarantee instant delivery to Ghana.

The recipient in Ghana can receive GHS by bank deposit, mobile money, cash pickup, card deposit, taptap wallet, and mobile wallet.

To receive GHS by bank deposit

Enter the recipient's banking details and account holder's name.

Check both before sending because correcting a bank deposit will delay the transfer.

They can receive cash in Ghana

For cash pickup, the recipient needs to visit the nearest MoneyGram branch and bring a valid photo ID and the transfer reference number.

  1. 1
    Debit card Mobile money

    You pay €7,000.00

    GH₵91,206

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay €7,000.00

    GH₵91,206

    GH₵0

  3. 3
    Debit card Cash pickup

    You pay €7,000.00

    GH₵91,206

    GH₵0

  4. 4
    Debit card Taptap wallet

    You pay €7,000.00

    GH₵91,206

    GH₵0

  5. 5
    Debit card Mobile wallet

    You pay €7,000.00

    GH₵91,176

    -GH₵30

Show moreShow less
  1. 6
    Credit card Mobile wallet

    You pay €7,000.00

    GH₵91,176

    -GH₵30

  2. 7
    Credit card Bank deposit

    You pay €7,000.90

    GH₵91,176

    -GH₵30

  3. 8
    Bank transfer Mobile wallet

    You pay €7,000.00

    GH₵91,176

    -GH₵30

  4. 9
    Bank transfer Bank deposit

    You pay €7,000.90

    GH₵91,176

    -GH₵30

  5. 10
    Debit card Card deposit

    You pay €7,000.90

    GH₵90,794

    -GH₵412

  6. 11
    Credit card Card deposit

    You pay €7,000.90

    GH₵90,794

    -GH₵412

  7. 12
    Credit card Cash pickup

    You pay €7,003.99

    GH₵90,794

    -GH₵412

  8. 13
    Bank transfer Cash pickup

    You pay €7,003.99

    GH₵90,794

    -GH₵412

  9. 14
    iDEAL Bank deposit

    You pay €7,000.00

    GH₵89,381

    -GH₵1,825

Things to know before sending money from Germany to Ghana

The main question in Germany is whether you are sending euros inside SEPA or converting them. Large cross-border payments can also create a Bundesbank reporting duty.

Compare EUR/GHS transfer options

For a €7,000 transfer to Ghana, these are the best options:

Cheapest way to send money to Ghana

The cheapest option is WorldRemit, funded by debit card with mobile money for the payout. Your recipient gets 91,205.8 GHS, which is 0% 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 89,727.26 GHS in within minutes.

Transfers over €50,000 may get reported

Germany's AWV reporting threshold is €50,000.

A German resident may need to report a payment above that amount to the Bundesbank when it is made to a non-resident.

It is a statistics report, not a tax or permission request.

Transfers between your own domestic and foreign accounts are exempt, and other exemptions apply depending on the payment purpose.

The automated AWV notice shown by a bank does not mean every transfer is reportable.

The Bundesbank guidance for private individuals explains who reports, what is exempt and how to file.

SEPA and SWIFT are different

If the recipient has a euro account in the SEPA area, a normal SEPA payment can be the simplest option.

A payment converted into GHS sits outside that pricing rule and may involve another bank or payout partner.

Check whether the quote uses SHA, OUR or BEN charges on a bank transfer.

This decides whether intermediary costs are shared, paid by you or deducted from what the recipient receives.

How we analyse the market

Nothing reaches this table without going through our review first, and every company is BaFin-registered or passported into Germany.

We then track 7 of them on EUR to Ghana, comparing rates, fees and the pay-in and payout options.

In the past 30 days alone, we analysed 94 comparisons across 5 amounts.

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

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.