Best companies for EUR/GHS transfers
5 of 5 providers Last updated on 26 September 2026
Based on 7,000 EUR transfer Best companies for EUR/GHS transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee €78.18 1 EUR = 13.2477 GHS -0.10% vs mid-market	Recipient gets GH₵91,698.19 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 €78.181 EUR = 13.2477 GHS GH₵91,698.19You pay€7,000.00
Promoted Regency FX Pay via Bank transfer	Fee €0.00 1 EUR = 13.1990 GHS +0.27% vs mid-market	Recipient gets GH₵92,392.96 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 EUR = 13.1990 GHS GH₵92,392.96You pay€7,000.00
Run a live search Showing top Finland 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.
TapTap Send Pay via Debit card	Fee €0.00 1 EUR = 13.2200 GHS +0.11% vs mid-market	Recipient gets GH₵92,540.00 Minutes
0 reviews Cheapest 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 = 13.2200 GHS GH₵92,540.00You pay€7,000.00 Bank depositMinutes Free1 EUR = 13.2200 GHS GH₵92,540.00You pay€7,000.00 Cash pickupMinutesAvailable via:CBG Cash Pickup Free1 EUR = 13.2200 GHS GH₵92,540.00You pay€7,000.00 TapTap WalletMinutesAvailable via:Wallet (GHS) Free1 EUR = 13.2200 GHS GH₵92,540.00You pay€7,000.00
Only available via Mobile App WorldRemit Pay via Debit card	Fee €0.00 1 EUR = 13.2150 GHS +0.15% vs mid-market	Recipient gets GH₵92,505.00 Minutes - 2 days
13 reviews 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 = 13.2150 GHS GH₵92,505.00You pay€7,000.00 Bank depositMinutes - 2 days €0.991 EUR = 13.2150 GHS GH₵92,491.92You pay€7,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee €0.00 1 EUR = 13.1990 GHS +0.27% vs mid-market	Recipient gets GH₵92,392.96 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 EUR = 13.1990 GHS GH₵92,392.96You pay€7,000.00
Wise Pay via Bank transfer	Fee €78.18 1 EUR = 13.2477 GHS -0.10% vs mid-market	Recipient gets GH₵91,698.19 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 €78.181 EUR = 13.2477 GHS GH₵91,698.19You pay€7,000.00
Wise Pay via iDEAL/WERO	Fee €88.21 1 EUR = 13.2477 GHS -0.10% vs mid-market	Recipient gets GH₵91,565.32 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 ideal/wero. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €88.211 EUR = 13.2477 GHS GH₵91,565.32You pay€7,000.00
Wise Pay via Debit card	Fee €132.53 1 EUR = 13.2477 GHS -0.10% vs mid-market	Recipient gets GH₵90,978.18 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 debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €132.531 EUR = 13.2477 GHS GH₵90,978.18You pay€7,000.00
Wise Pay via Credit card	Fee €174.08 1 EUR = 13.2477 GHS -0.10% vs mid-market	Recipient gets GH₵90,427.74 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 credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €174.081 EUR = 13.2477 GHS GH₵90,427.74You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee €140.50 1 EUR = 13.1361 GHS +0.75% vs mid-market	Recipient gets GH₵90,106.97 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 €140.501 EUR = 13.1361 GHS GH₵90,106.97You 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.
Pricing based on Revolut Standard plan Revolut Pay via Debit card	Fee €291.00 1 EUR = 13.1361 GHS +0.75% vs mid-market	Recipient gets GH₵88,129.99 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 €291.001 EUR = 13.1361 GHS GH₵88,129.99You 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 = 13.2347 GHS Updates every 60 minutes.

Why compare

EUR/GHS exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Finland to Ghana

Pick a company

For a one-off transfer to Ghana, start with TapTap Send.

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

The cheapest option depends on the amount, so I suggest to get the best EUR/GHS rate.

Fund your transfer

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

Select how you want the recipient to pick up the money. For transfers to Ghana they can receive it via bank deposit, mobile money, cash pickup, and taptap wallet.

Verify and send

If it's your first time using the service, you will need to verify your account.

This usually takes a a few minutes to a few hours.

If your transfer is urgent, make sure to get it done beforehand to avoid any delays.

Ways to send money from Finland to Ghana

5 companies send money from Finland to Ghana, mostly through app, multi-currency account, global account, broker, and online, and a few more ways.

Usually the cheapest

Online transfers

Companies like Wise will get you 91,698.19 GHS on €7,000 transfer.

If it's the only time you send money to Ghana, then it's the best option.

For recurring transfers, an app is a bit more convenient.

For regular transfers

Money transfer apps

For the regular smaller transfer, apps are convenient and cheap.

TapTap Send charges €0 on a €7,000 transfer, and 92,540 GHS arrives in minutes.

In Ghana they can receive money via bank deposit, mobile money, cash pickup, and taptap wallet.

Moving money between your own accounts

Multi-currency accounts

Companies like Wise let you hold EUR and GHS balances in one account.

You can convert between them any time, and it's cheap.

For example, converting 7,000 EUR to GHS with Wise gets you 91,698.19 GHS (€78.18 in fees and -0.1% markup).

This is especially useful travel since you are spending in GHS (no extra fees from Wise, only local ATMs).

For freelancers and SMEs

Global accounts

Global accounts are for companies and freelancers making payments to Ghana.

Companies like Wise Business, Airwallex, Holvi or Payoneer offer business features like batch payments, invoicing, admin tools, and more.

For sending large sums

Currency brokers

Currency brokers are good for sending €10,000+ to Ghana. They charge no fees and add a markup on the rate.

Regency FX charges no fee but adds 0.27% markup on top of the EUR/GHS rate.

Ways to fund EUR and receive GHS in Ghana

With TapTap Send, paying by debit card and receiving through mobile money is the cheapest combination. Sending €7,000 gives your recipient 92,540 GHS.

To pay for your transfer in Finland, you have debit card, bank transfer, ideal, and credit card.

MobilePay and Siirto are useful for payments within Finland, but they do not send money to Ghana directly.

For withdrawals in Ghana, use bank deposit, mobile money, cash pickup, and taptap wallet.

Receive GHS

The name should match the account holder's bank record, so double check it before sending.

Your recipient can also collect GHS from a nearby agent in Ghana.

1

Debit card Mobile money

You pay €7,000.00

GH₵92,540

Cheapest
2

Debit card Bank deposit

You pay €7,000.00

GH₵92,540

GH₵0
3

Debit card Cash pickup

You pay €7,000.00

GH₵92,540

GH₵0
4

Debit card Taptap wallet

You pay €7,000.00

GH₵92,540

GH₵0
5

Bank transfer Bank deposit

You pay €7,000.00

GH₵92,393

-GH₵147

Show moreShow less

6

Ideal Bank deposit

You pay €7,000.00

GH₵91,565

-GH₵975
7

Credit card Bank deposit

You pay €7,000.00

GH₵90,428

-GH₵2,112

What to consider before sending money from Finland to Ghana

For a transfer from Finland, compare the GHS received and check whether the payment is a taxable gift rather than ordinary family support.

Compare EUR/GHS transfer options

For a €7,000 transfer to Ghana, these are the current cheapest, fastest and easiest options.

Cheapest

TapTap Send is cheapest when funded by debit card with mobile money for the payout. Your recipient gets 92,540 GHS, which is 0.04% more than the next best option.

Fastest

Revolut delivers 90,106.97 GHS in within minutes when you pay by bank transfer and choose bank deposit.

Sending a gift from Finland can trigger gift tax

If you live in Finland and send someone abroad a cash gift, Finnish gift tax can still apply.

The recipient must file and pay the tax when gifts from you reach €7,500 or more within three years.

Education and maintenance costs may be exempt if you pay the university, landlord or other company directly.

Cash sent to the recipient is treated as a normal gift because they can spend it on anything.

Large transfers may take longer

Finnish banks and transfer companies can ask for the source and purpose of an unusual payment.

Keep the invoice, sale document or account statement ready.

SEPA Instant may fund the company's euro account quickly, but the company still needs to complete the payout in Ghana.

Safety measures in Finland

An EEA company may be authorised in another country and operate in Finland through passporting.

If a company does not resolve a complaint, FINE provides guidance and dispute support for financial customers in Finland.

Never move money to a so-called safe account or approve an unexpected bank-identification request.

When in doubt, check the company in the FIN-FSA supervised-entities register.

Live EUR-GHS Exchange Rate

Finding the best rate to send money from Finland to Ghana

The exchange rate has a direct impact on how much GHS your recipient gets for your EUR. Checking the weekly range makes transfer quotes easier to compare.

Mid-market rate:1 EUR = 13.234728 GHS

How we analyse the market

Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.

We track 5 of them on EUR to Ghana, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.

Nothing appears without passing our review.

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 Finland

Send money to Ghana

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

Best companies for EUR/GHS transfers