Regency FX is the best and cheapest service overall. On €7,000 you will get 92,266.41 GHS after fees and the exchange rate.
We’ve compared 6 money transfer companies in more detail below.
| 6 of 6 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze EUR/GHS exchange rates from our comparisons. | |||
| Based on 7,000 EUR transfer Best companies for EUR/GHS transfersAll money transfer offers for EUR/GHS transfers, sorted by most GHS received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee €83.67 1 EUR = 13.2086 GHS +0.06% vs mid-market | Recipient gets GH₵91,355.04 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €83.671 EUR = 13.2086 GHS GH₵91,355.04You pay€7,000.00 | |||
| Promoted  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 13.1809 GHS +0.27% vs mid-market | Recipient gets GH₵92,266.41 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 EUR = 13.1809 GHS GH₵92,266.41You 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. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live EUR 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 EUR you're planning to spend in Ghana. | |||
Run a live search These are managed services with real human support for large EUR 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 €0.00 1 EUR = 13.1809 GHS +0.27% vs mid-market | Recipient gets GH₵92,266.41 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 EUR = 13.1809 GHS GH₵92,266.41You pay€7,000.00 | |||
 TapTap Send Pay via Debit card | Fee €0.00 1 EUR = 13.1500 GHS +0.51% vs mid-market | Recipient gets GH₵92,050.00 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 EUR = 13.1500 GHS GH₵92,050.00You pay€7,000.00 Bank depositMinutes Free1 EUR = 13.1500 GHS GH₵92,050.00You pay€7,000.00 Cash pickupMinutesAvailable via:CBG Cash Pickup Free1 EUR = 13.1500 GHS GH₵92,050.00You pay€7,000.00 TapTap WalletMinutesAvailable via:Wallet (GHS) Free1 EUR = 13.1500 GHS GH₵92,050.00You pay€7,000.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee €0.00 1 EUR = 13.1478 GHS +0.52% vs mid-market | Recipient gets GH₵92,034.60 Minutes - 2 days | |
Ways to receive money in Ghana with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 2 days Free1 EUR = 13.1478 GHS GH₵92,034.60You pay€7,000.00 Bank depositMinutes - 2 days €0.991 EUR = 13.1478 GHS GH₵92,021.58You pay€7,000.00 Card depositMinutes - 2 days Free1 EUR = 13.0338 GHS GH₵91,236.32You pay€7,000.00 | |||
| Only available via Mobile App  Sendwave Pay via Debit card | Fee €0.00 1 EUR = 13.1478 GHS +0.52% vs mid-market | Recipient gets GH₵92,034.60 Minutes - 3 days | |
Ways to receive money in Ghana with Sendwave when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 3 days Free1 EUR = 13.1478 GHS GH₵92,034.60You pay€7,000.00 Bank depositMinutes - 3 days Free1 EUR = 13.1478 GHS GH₵92,034.60You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €83.67 1 EUR = 13.2086 GHS +0.06% vs mid-market | Recipient gets GH₵91,355.04 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €83.671 EUR = 13.2086 GHS GH₵91,355.04You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €93.67 1 EUR = 13.2086 GHS +0.06% vs mid-market | Recipient gets GH₵91,222.95 Within minutes | |
Ways to receive money in Ghana with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €93.671 EUR = 13.2086 GHS GH₵91,222.95You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €65.00 1 EUR = 13.0771 GHS +1.06% vs mid-market | Recipient gets GH₵90,689.52 Within minutes | |
Ways to receive money in Ghana with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €65.001 EUR = 13.0771 GHS GH₵90,689.52You 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. | |||
| Wise Pay via Debit card | Fee €137.91 1 EUR = 13.2086 GHS +0.06% vs mid-market | Recipient gets GH₵90,638.60 Within minutes | |
Ways to receive money in Ghana with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €137.911 EUR = 13.2086 GHS GH₵90,638.60You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €179.37 1 EUR = 13.2086 GHS +0.06% vs mid-market | Recipient gets GH₵90,090.97 Within minutes | |
Ways to receive money in Ghana with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €179.371 EUR = 13.2086 GHS GH₵90,090.97You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €191.00 1 EUR = 13.0771 GHS +1.06% vs mid-market | Recipient gets GH₵89,041.81 Within minutes | |
Ways to receive money in Ghana with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €191.001 EUR = 13.0771 GHS GH₵89,041.81You 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 = 13.216600 GHS Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Germany, I suggest picking the cheapest option which is Regency FX.
On a 7,000 EUR transfer, Regency FX 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.
You have 4 ways to pay, including debit card, bank transfer, ideal, and credit card.
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.
There are 6 companies for sending money from Germany to Ghana, across app, multi-currency account, global account, broker, and online, and more below.
Fastest and easiest way
Within the eurozone, SEPA covers all transfers, but outside, it gets very expensive and money transfer companies make it cheaper.
Sending €7,000 with TapTap Send to Ghana gets you 92,050 GHS with a €0 fee and 0.51% markup.
Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.
For large transfers from Germany
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.
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 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
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 Wise, it adds ~0.06% markup and charges small fees.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 92,266.41 GHS.
You can pay for the transfer using debit card, bank transfer, ideal, and credit card.
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, taptap wallet, and card deposit.
To receive GHS by bank deposit
Enter the recipient's banking details and account holders 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 branch and bring a valid photo ID and the transfer reference number.
You pay €7,000.00
GH₵92,266
Cheapest
You pay €7,000.00
GH₵92,050
-GH₵216
You pay €7,000.00
GH₵92,050
-GH₵216
You pay €7,000.00
GH₵92,050
-GH₵216
You pay €7,000.00
GH₵92,050
-GH₵216
You pay €7,000.00
GH₵91,236
-GH₵1,030
You pay €7,000.00
GH₵91,223
-GH₵1,043
You pay €7,000.00
GH₵90,091
-GH₵2,175
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.
For a €7,000 transfer to Ghana, these are the best options:
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 92,266.41 GHS, which is 0.23% 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 90,689.52 GHS in within minutes.
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.
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.
The EUR/GHS rate can move noticeably within a week, changing the amount your recipient gets in GHS.
Mid-market rate:1 EUR = 13.210507 GHS
Nothing reaches this table without going through our review first, and every company is BaFin-registered or passported into Germany.
We then track 6 of them on EUR to Ghana, comparing rates, fees and the pay-in and payout options.
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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