We’ve compared and analysed 5 money transfer companies in Finland.
| 5 of 5 providers Last updated on 28 October 2026 | |||
| Based on 7,000 EUR transfer Best companies for EUR/GHS transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee €83.67 1 EUR = 12.9597 GHS +0.19% vs mid-market | Recipient gets GH₵89,633.56 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 = 12.9597 GHS GH₵89,633.56You pay€7,000.00 | |||
| Promoted  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 12.9490 GHS +0.27% vs mid-market | Recipient gets GH₵90,643.13 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 EUR = 12.9490 GHS GH₵90,643.13You 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. | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee €0.00 1 EUR = 13.0294 GHS -0.35% vs mid-market | Recipient gets GH₵91,205.80 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 = 13.0294 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 | |||
 TapTap Send Pay via Debit card | Fee €0.00 1 EUR = 13.0294 GHS -0.35% vs mid-market | Recipient gets GH₵91,205.80 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 = 13.0294 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 | |||
| Exclusive: First Transfer Deal Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 12.9490 GHS +0.27% vs mid-market | Recipient gets GH₵90,643.13 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 EUR = 12.9490 GHS GH₵90,643.13You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €83.67 1 EUR = 12.9597 GHS +0.19% vs mid-market | Recipient gets GH₵89,633.56 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 = 12.9597 GHS GH₵89,633.56You pay€7,000.00 | |||
| Wise Pay via iDEAL | Fee €93.67 1 EUR = 12.9597 GHS +0.19% vs mid-market | Recipient gets GH₵89,503.96 Within minutes | |
Ways to receive money in Ghana with Wise when paying by ideal. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €93.671 EUR = 12.9597 GHS GH₵89,503.96You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €70.50 1 EUR = 12.8818 GHS +0.79% vs mid-market | Recipient gets GH₵89,264.43 Within minutes | |
Ways to receive money in Ghana with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €70.501 EUR = 12.8818 GHS GH₵89,264.43You 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 = 12.9597 GHS +0.19% vs mid-market | Recipient gets GH₵88,930.63 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 = 12.9597 GHS GH₵88,930.63You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €179.37 1 EUR = 12.9597 GHS +0.19% vs mid-market | Recipient gets GH₵88,393.32 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 = 12.9597 GHS GH₵88,393.32You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €221.00 1 EUR = 12.8818 GHS +0.79% vs mid-market | Recipient gets GH₵87,325.71 Within minutes | |
Ways to receive money in Ghana with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €221.001 EUR = 12.8818 GHS GH₵87,325.71You 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 = 12.9841 GHS Updates every 60 minutes. | |||
Transfer details
For a one-off EUR transfer to Ghana, start with WorldRemit.
WorldRemit was the cheapest on 16 of the 23 days it quoted €7,000 transfers to Ghana.
On a 7,000 EUR transfer, WorldRemit delivers the most GHS.
The cheapest option depends on the amount, so I suggest to get the best EUR/GHS rate.
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.
If it's your first time using the service, you will need to verify your account.
This usually takes a few minutes to a few hours.
If your transfer is urgent, make sure to get it done beforehand to avoid any delays.
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 76% of the transfers from €2,000 it quoted, and in 57% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| €500 | -1.14% | €0.00 | GH₵6,568.09with debit card to bank deposit | +GH₵195.46 | |
| €2,000 | -0.34% | €0.00 | GH₵26,058.80with debit card to mobile money | +GH₵661.28 | |
| €7,000This page | -0.35% | €0.00 | GH₵91,205.80with debit card to mobile money | +GH₵1,638.43 |
Mid-market rate: 1 EUR = 12.9841 GHS
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.
Wed, 28 Oct 2026Mid-market rateGH₵90,888.53 WorldRemit GH₵91,205.80WorldRemitGH₵91,205.80TapTap SendGH₵91,205.80Regency FXGH₵90,643.13
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.2074 | – | GH₵92,451.58 | |
| | 13.2730 | €0.00 | GH₵92,911.00 | +GH₵459.42 |
| | 13.2730 | €0.00 | GH₵92,911.00 | +GH₵459.42 |
| | 13.1717 | €0.00 | GH₵92,201.96 | −GH₵249.62 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.2431 | – | GH₵92,701.41 | |
| | 13.2300 | €0.00 | GH₵92,610.00 | −GH₵91.41 |
| | 13.2073 | €0.00 | GH₵92,451.12 | −GH₵250.29 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.2628 | – | GH₵92,839.25 | |
| | 13.2917 | €0.00 | GH₵93,041.90 | +GH₵202.65 |
| | 13.2917 | €0.00 | GH₵93,041.90 | +GH₵202.65 |
| | 13.2269 | €0.00 | GH₵92,588.58 | −GH₵250.67 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.2611 | – | GH₵92,827.53 | |
| | 13.3200 | €0.00 | GH₵93,240.00 | +GH₵412.47 |
| | 13.3179 | €0.00 | GH₵93,225.30 | +GH₵397.77 |
| | 13.2253 | €0.00 | GH₵92,576.90 | −GH₵250.63 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.2242 | – | GH₵92,569.09 | |
| | 13.2200 | €0.00 | GH₵92,540.00 | −GH₵29.09 |
| | 13.2150 | €0.00 | GH₵92,505.00 | −GH₵64.09 |
| | 13.1885 | €0.00 | GH₵92,319.16 | −GH₵249.93 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1948 | – | GH₵92,363.80 | |
| | 13.2200 | €0.00 | GH₵92,540.00 | +GH₵176.20 |
| | 13.2150 | €0.00 | GH₵92,505.00 | +GH₵141.20 |
| | 13.1592 | €0.00 | GH₵92,114.42 | −GH₵249.38 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1386 | – | GH₵91,970.48 | |
| | 13.2200 | €0.00 | GH₵92,540.00 | +GH₵569.52 |
| | 13.2150 | €0.00 | GH₵92,505.00 | +GH₵534.52 |
| | 13.1032 | €0.00 | GH₵91,722.16 | −GH₵248.32 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1527 | – | GH₵92,068.98 | |
| | 13.2540 | €0.00 | GH₵92,778.00 | +GH₵709.02 |
| | 13.1172 | €0.00 | GH₵91,820.40 | −GH₵248.58 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1954 | – | GH₵92,367.68 | |
| | 13.2020 | €0.00 | GH₵92,414.00 | +GH₵46.32 |
| | 13.2020 | €0.00 | GH₵92,414.00 | +GH₵46.32 |
| | 13.1598 | €0.00 | GH₵92,118.29 | −GH₵249.39 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.2219 | – | GH₵92,552.98 | |
| | 13.2725 | €0.00 | GH₵92,907.50 | +GH₵354.52 |
| | 13.1862 | €0.00 | GH₵92,303.08 | −GH₵249.90 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.2135 | – | GH₵92,494.17 | |
| | 13.2436 | €0.00 | GH₵92,705.20 | +GH₵211.03 |
| | 13.2436 | €0.00 | GH₵92,705.20 | +GH₵211.03 |
| | 13.1778 | €0.00 | GH₵92,244.44 | −GH₵249.73 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1881 | – | GH₵92,316.36 | |
| | 13.2146 | €0.00 | GH₵92,502.20 | +GH₵185.84 |
| | 13.2146 | €0.00 | GH₵92,502.20 | +GH₵185.84 |
| | 13.1524 | €0.00 | GH₵92,067.10 | −GH₵249.26 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1881 | – | GH₵92,316.36 | |
| | 13.2146 | €0.00 | GH₵92,502.20 | +GH₵185.84 |
| | 13.1524 | €0.00 | GH₵92,067.10 | −GH₵249.26 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1621 | – | GH₵92,134.97 | |
| | 13.2146 | €0.00 | GH₵92,502.20 | +GH₵367.23 |
| | 13.2146 | €0.00 | GH₵92,502.20 | +GH₵367.23 |
| | 13.1266 | €0.00 | GH₵91,886.21 | −GH₵248.76 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1734 | – | GH₵92,213.78 | |
| | 13.2225 | €0.00 | GH₵92,557.50 | +GH₵343.72 |
| | 13.2225 | €0.00 | GH₵92,557.50 | +GH₵343.72 |
| | 13.1378 | €0.00 | GH₵91,964.80 | −GH₵248.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.0438 | – | GH₵91,306.32 | |
| | 13.1143 | €0.00 | GH₵91,800.10 | +GH₵493.78 |
| | 13.1143 | €0.00 | GH₵91,800.10 | +GH₵493.78 |
| | 13.0085 | €0.00 | GH₵91,059.79 | −GH₵246.53 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.0695 | – | GH₵91,486.79 | |
| | 13.1143 | €0.00 | GH₵91,800.10 | +GH₵313.31 |
| | 13.1143 | €0.00 | GH₵91,800.10 | +GH₵313.31 |
| | 13.0343 | €0.00 | GH₵91,239.78 | −GH₵247.01 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.0778 | – | GH₵91,544.78 | |
| | 13.0425 | €0.00 | GH₵91,297.61 | −GH₵247.17 |
| | 13.0028 | €0.00 | GH₵91,019.60 | −GH₵525.18 |
| | 13.0028 | €0.00 | GH₵91,019.60 | −GH₵525.18 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1419 | – | GH₵91,993.52 | |
| | 13.1064 | €0.00 | GH₵91,745.13 | −GH₵248.39 |
| | 13.0667 | €0.00 | GH₵91,466.90 | −GH₵526.62 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1419 | – | GH₵91,993.52 | |
| | 13.1064 | €0.00 | GH₵91,745.13 | −GH₵248.39 |
| | 13.0667 | €0.00 | GH₵91,466.90 | −GH₵526.62 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1268 | – | GH₵91,887.57 | |
| | 13.1672 | €0.00 | GH₵92,170.40 | +GH₵282.83 |
| | 13.0914 | €0.00 | GH₵91,639.47 | −GH₵248.10 |
| | 13.0667 | €0.00 | GH₵91,466.90 | −GH₵420.67 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1246 | – | GH₵91,871.93 | |
| | 13.1672 | €0.00 | GH₵92,170.40 | +GH₵298.47 |
| | 13.1672 | €0.00 | GH₵92,170.40 | +GH₵298.47 |
| | 13.0891 | €0.00 | GH₵91,623.88 | −GH₵248.05 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.0578 | – | GH₵91,404.73 | |
| | 13.1672 | €0.00 | GH₵92,170.40 | +GH₵765.67 |
| | 13.1251 | €0.00 | GH₵91,875.70 | +GH₵470.97 |
| | 13.0226 | €0.00 | GH₵91,157.94 | −GH₵246.79 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.0958 | – | GH₵91,670.75 | |
| | 13.0931 | €0.00 | GH₵91,651.70 | −GH₵19.05 |
| | 13.0931 | €0.00 | GH₵91,651.70 | −GH₵19.05 |
| | 13.0605 | €0.00 | GH₵91,423.24 | −GH₵247.51 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 12.9768 | – | GH₵90,837.38 | |
| | 13.0541 | €0.00 | GH₵91,378.70 | +GH₵541.32 |
| | 12.9417 | €0.00 | GH₵90,592.12 | −GH₵245.26 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 12.9797 | – | GH₵90,857.61 | |
| | 13.0121 | €0.00 | GH₵91,084.70 | +GH₵227.09 |
| | 13.0121 | €0.00 | GH₵91,084.70 | +GH₵227.09 |
| | 12.9446 | €0.00 | GH₵90,612.30 | −GH₵245.31 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 12.9797 | – | GH₵90,857.61 | |
| | 13.0121 | €0.00 | GH₵91,084.70 | +GH₵227.09 |
| | 13.0121 | €0.00 | GH₵91,084.70 | +GH₵227.09 |
| | 12.9446 | €0.00 | GH₵90,612.30 | −GH₵245.31 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 12.9675 | – | GH₵90,772.59 | |
| | 13.0538 | €0.00 | GH₵91,376.60 | +GH₵604.01 |
| | 13.0538 | €0.00 | GH₵91,376.60 | +GH₵604.01 |
| | 12.9325 | €0.00 | GH₵90,527.51 | −GH₵245.08 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.0068 | – | GH₵91,047.78 | |
| | 13.0538 | €0.00 | GH₵91,376.60 | +GH₵328.83 |
| | 13.0294 | €0.00 | GH₵91,205.80 | +GH₵158.03 |
| | 12.9717 | €0.00 | GH₵90,801.95 | −GH₵245.82 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 12.9841 | – | GH₵90,888.53 | |
| | 13.0294 | €0.00 | GH₵91,205.80 | +GH₵317.27 |
| | 13.0294 | €0.00 | GH₵91,205.80 | +GH₵317.27 |
| | 12.9490 | €0.00 | GH₵90,643.13 | −GH₵245.40 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 12.9841 | – | GH₵90,888.53 | |
|---|---|---|---|---|
| | ||||
| | ||||
| |
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 24 of the last 30 days.
Right now, WorldRemit pays 91,205.8 GHS on 7,000 EUR, which is 317.27 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.
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 62 comparisons to check how often today's top companies were the cheapest across 3 amounts over the past month.
Cheapest in 57% of them
Cheapest in 29% of them
Never the cheapest
Based on 21 comparisons across 3 amounts over the last 7 days.
Cheapest in 57% of them
Cheapest in 29% of them
Cheapest in 10% of them
Based on 62 comparisons across 3 amounts over the last 30 days.
Cheapest in 57% of them
Cheapest in 33% of them
Cheapest in 8% of them
Based on 72 comparisons across 3 amounts over the last 90 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, and it was also the cheapest in 57% of the 44 comparisons it appeared in over the past month.
It's a good pick for both one-off and regular transfers to Ghana.
TapTap Send (today's second cheapest) was the cheapest in only 29% of its comparisons, so it's rarely the cheapest option for transfers 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
Companies like Wise will get you 89,633.56 GHS on a €7,000 transfer.
In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.
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
For the regular smaller transfer, apps are convenient and cheap.
WorldRemit charges €0 on a €7,000 transfer, and 91,205.8 GHS arrives in minutes - 2 days.
Over the past month, WorldRemit was the cheapest app on 74% of the days it appeared for €7,000 transfers.
In Ghana they can receive money via bank deposit, mobile money, cash pickup, and taptap wallet.
Moving money between your own 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 89,633.56 GHS (€83.67 in fees and 0.19% markup).
This is especially useful for travel since you are spending in GHS (no extra fees from Wise, only local ATMs).
Over the past month, it came out cheapest among multi-currency accounts on 90% of days.
For freelancers and SMEs
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 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.
Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from €2,000 it quoted.
With WorldRemit, paying by debit card and receiving through mobile money is the cheapest combination. Sending €7,000 gives your recipient 91,205.8 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.
You pay €7,000.00
GH₵91,206
Cheapest
You pay €7,000.00
GH₵91,206
GH₵0
You pay €7,000.00
GH₵91,206
GH₵0
You pay €7,000.00
GH₵91,206
GH₵0
You pay €7,000.00
GH₵90,643
-GH₵563
You pay €7,000.00
GH₵89,504
-GH₵1,702
You pay €7,000.00
GH₵88,393
-GH₵2,812
For a transfer from Finland, compare the GHS received and check whether the payment is a taxable gift rather than ordinary family support.
For a €7,000 transfer to Ghana, these are the current cheapest, fastest and easiest options.
Cheapest
WorldRemit is cheapest when 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
Revolut delivers 89,264.43 GHS in within minutes when you pay by bank transfer and choose bank deposit.
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.
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.
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.
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.
In the past 30 days alone, we analysed 62 comparisons across 3 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.
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.
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