Sendwave offers the best exchange rate from France to Ghana at 13.0294 GHS per EUR.
But Sendwave is cheapest overall, turning EUR 7,000 into 91,205.8 GHS after its fee and exchange-rate markup.
| 6 of 6 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 €89.12 1 EUR = 12.9576 GHS +0.24% vs mid-market | Recipient gets GH₵89,548.42 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €89.121 EUR = 12.9576 GHS GH₵89,548.42You pay€7,000.00 | |||
| Promoted  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 12.9534 GHS +0.27% vs mid-market | Recipient gets GH₵90,674.02 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 = 12.9534 GHS GH₵90,674.02You pay€7,000.00 | |||
Run a live search Showing top France 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  Sendwave Pay via Debit card | Fee €0.00 1 EUR = 13.0294 GHS -0.31% vs mid-market | Recipient gets GH₵91,205.80 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 = 13.0294 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 -0.31% 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 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee €0.00 1 EUR = 13.0251 GHS -0.28% 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 €2.991 EUR = 13.0251 GHS GH₵91,175.70You pay€7,002.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card Free1 EUR = 12.9705 GHS GH₵90,793.50You pay€7,000.00 Cash pickupMinutes - 24 hours €4.991 EUR = 12.9705 GHS GH₵90,793.50You pay€7,004.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee €0.00 1 EUR = 13.0251 GHS -0.28% 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 €2.991 EUR = 13.0251 GHS GH₵91,175.70You pay€7,002.99 Cash pickupMinutes - 24 hours €4.991 EUR = 12.9705 GHS GH₵90,793.50You pay€7,004.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee €0.00 1 EUR = 13.0251 GHS -0.28% 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 €2.991 EUR = 13.0251 GHS GH₵91,175.70You pay€7,002.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card Free1 EUR = 12.9705 GHS GH₵90,793.50You pay€7,000.00 Cash pickupMinutes - 24 hours €4.991 EUR = 12.9705 GHS GH₵90,793.50You pay€7,004.99 | |||
| Exclusive: First Transfer Deal Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 12.9534 GHS +0.27% vs mid-market | Recipient gets GH₵90,674.02 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 = 12.9534 GHS GH₵90,674.02You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €89.12 1 EUR = 12.9576 GHS +0.24% vs mid-market | Recipient gets GH₵89,548.42 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €89.121 EUR = 12.9576 GHS GH₵89,548.42You pay€7,000.00 | |||
| Wise Pay via iDEAL | Fee €99.10 1 EUR = 12.9576 GHS +0.24% vs mid-market | Recipient gets GH₵89,419.10 Within minutes | |
Ways to receive money in Ghana with Wise when paying by ideal. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €99.101 EUR = 12.9576 GHS GH₵89,419.10You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €70.50 1 EUR = 12.8843 GHS +0.81% vs mid-market | Recipient gets GH₵89,282.08 Within minutes | |
Ways to receive money in Ghana with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €70.501 EUR = 12.8843 GHS GH₵89,282.08You 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 €143.29 1 EUR = 12.9576 GHS +0.24% vs mid-market | Recipient gets GH₵88,846.51 Within minutes | |
Ways to receive money in Ghana with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €143.291 EUR = 12.9576 GHS GH₵88,846.51You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €184.69 1 EUR = 12.9576 GHS +0.24% vs mid-market | Recipient gets GH₵88,310.06 Within minutes | |
Ways to receive money in Ghana with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €184.691 EUR = 12.9576 GHS GH₵88,310.06You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €221.00 1 EUR = 12.8843 GHS +0.81% vs mid-market | Recipient gets GH₵87,342.99 Within minutes | |
Ways to receive money in Ghana with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €221.001 EUR = 12.8843 GHS GH₵87,342.99You 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 = 12.9885 GHS Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Sendwave at 91,205.8 GHS on a €7,000 transfer.
Sendwave was the cheapest on 7 of the 19 days it quoted €7,000 transfers to Ghana.
You have 4 ways to pay, including debit card, bank transfer, credit card, and iDEAL.
A euro virement to the money transfer company is cheap and arrives in seconds.
First time round you'll need a photo ID and a RIB or proof of address to verify your account.
Do it before making a transfer, it's the main thing that holds up transfers, and it only needs doing once.
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 Sendwave was the cheapest in 26% of the transfers from €5,000 it quoted, and in 18% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| €500 | -1.15% | €0.00 | GH₵6,563.96with debit card to bank deposit | +GH₵140.15 | |
| €1,000 | -0.29% | €0.00 | GH₵13,029.40with debit card to mobile money | +GH₵188.32 | |
| €2,000 | -0.38% | €0.00 | GH₵26,058.92with debit card to bank deposit | +GH₵410.17 | |
| €5,000 | -0.38% | €0.00 | GH₵65,147.30with debit card to bank deposit | +GH₵766.52 | |
| €7,000This page | -0.31% | €0.00 | GH₵91,205.80with debit card to mobile money | +GH₵1,258.98 |
Mid-market rate: 1 EUR = 12.9885 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 Sendwave), across 30 days of comparisons for 7,000 EUR transfers to Ghana.
Wed, 28 Oct 2026Mid-market rateGH₵90,919.51 Sendwave GH₵91,205.80SendwaveGH₵91,205.80TapTap SendGH₵91,205.80MoneyGramGH₵91,175.70
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.2272 | – | GH₵92,590.22 | |
| | 13.2730 | €0.00 | GH₵92,911.00 | +GH₵320.78 |
| | 13.2730 | €0.00 | GH₵92,911.00 | +GH₵320.78 |
| | 13.2705 | €0.00 | GH₵92,893.50 | +GH₵303.28 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 13.2693 | €0.00 | GH₵92,885.10 | – |
| | 13.2300 | €0.00 | GH₵92,610.00 | – |
| | 13.2290 | €0.00 | GH₵92,603.00 | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.2784 | – | GH₵92,948.51 | |
| | 13.2917 | €0.00 | GH₵93,041.90 | +GH₵93.39 |
| | 13.2917 | €0.00 | GH₵93,041.90 | +GH₵93.39 |
| | 13.2787 | €0.00 | GH₵92,950.90 | +GH₵2.39 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.2571 | – | GH₵92,799.97 | |
| | 13.3200 | €0.00 | GH₵93,240.00 | +GH₵440.03 |
| | 13.2860 | €0.00 | GH₵93,002.00 | +GH₵202.03 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.2242 | – | GH₵92,569.09 | |
| | 13.2860 | €0.00 | GH₵93,002.00 | +GH₵432.91 |
| | 13.2200 | €0.00 | GH₵92,540.00 | −GH₵29.09 |
| | 13.2150 | €0.00 | GH₵92,505.00 | −GH₵64.09 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1948 | – | GH₵92,363.80 | |
| | 13.2860 | €0.00 | GH₵93,002.00 | +GH₵638.20 |
| | 13.2200 | €0.00 | GH₵92,540.00 | +GH₵176.20 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1356 | – | GH₵91,948.88 | |
| | 13.2860 | €0.00 | GH₵93,002.00 | +GH₵1,053.12 |
| | 13.2200 | €0.00 | GH₵92,540.00 | +GH₵591.12 |
| | 13.2150 | €0.00 | GH₵92,505.00 | +GH₵556.12 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1417 | – | GH₵91,991.60 | |
| | 13.2540 | €0.00 | GH₵92,778.00 | +GH₵786.40 |
| | 13.2540 | €0.00 | GH₵92,778.00 | +GH₵786.40 |
| | 13.2256 | €0.00 | GH₵92,579.20 | +GH₵587.60 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.2060 | – | GH₵92,442.32 | |
| | 13.2287 | €0.00 | GH₵92,600.90 | +GH₵158.58 |
| | 13.2020 | €0.00 | GH₵92,414.00 | −GH₵28.32 |
| | 13.2020 | €0.00 | GH₵92,414.00 | −GH₵28.32 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.2081 | – | GH₵92,456.74 | |
| | 13.2827 | €0.00 | GH₵92,978.90 | +GH₵522.16 |
| | 13.2725 | €0.00 | GH₵92,907.50 | +GH₵450.76 |
| | 13.2725 | €0.00 | GH₵92,907.50 | +GH₵450.76 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.2113 | – | GH₵92,479.39 | |
| | 13.2564 | €0.00 | GH₵92,794.80 | +GH₵315.41 |
| | 13.2436 | €0.00 | GH₵92,705.20 | +GH₵225.81 |
| | 13.2436 | €0.00 | GH₵92,705.20 | +GH₵225.81 |
| 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 |
| | 13.2095 | €0.00 | GH₵92,466.50 | +GH₵150.14 |
| | – | – | – | – |
| 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 |
| | 13.2095 | €0.00 | GH₵92,466.50 | +GH₵150.14 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1601 | – | GH₵92,120.55 | |
| | 13.2146 | €0.00 | GH₵92,502.20 | +GH₵381.65 |
| | 13.2095 | €0.00 | GH₵92,466.50 | +GH₵345.95 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1816 | – | GH₵92,270.94 | |
 | 13.3002 | €0.00 | GH₵93,101.10 | +GH₵830.16 |
| | 13.2225 | €0.00 | GH₵92,557.50 | +GH₵286.56 |
| | 13.2173 | €0.00 | GH₵92,521.10 | +GH₵250.16 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.0525 | – | GH₵91,367.68 | |
| | 13.2225 | €0.00 | GH₵92,557.50 | +GH₵1,189.82 |
| | 13.1280 | €0.00 | GH₵91,896.00 | +GH₵528.32 |
| | 13.1164 | €0.00 | GH₵91,814.80 | +GH₵447.12 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 13.1224 | €0.00 | GH₵91,856.80 | – |
| | 13.1143 | €0.00 | GH₵91,800.10 | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.0749 | – | GH₵91,524.13 | |
| | 13.0396 | €0.00 | GH₵91,277.01 | −GH₵247.12 |
| | 13.0220 | €0.00 | GH₵91,154.00 | −GH₵370.13 |
| | 13.0028 | €0.00 | GH₵91,019.60 | −GH₵504.52 |
| | – | – | – | – |
| 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 |
| | 13.0926 | €0.00 | GH₵91,648.20 | −GH₵345.32 |
| | 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 | |
| | 13.3432 | €0.00 | GH₵93,402.48 | +GH₵1,408.96 |
| | 13.0926 | €0.00 | GH₵91,648.20 | −GH₵345.32 |
| | 13.0667 | €0.00 | GH₵91,466.90 | −GH₵526.62 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1299 | – | GH₵91,909.21 | |
| | 13.0944 | €0.00 | GH₵91,661.05 | −GH₵248.16 |
| | 13.0926 | €0.00 | GH₵91,648.20 | −GH₵261.01 |
| | 13.0667 | €0.00 | GH₵91,466.90 | −GH₵442.31 |
| | 13.0667 | €0.00 | GH₵91,466.90 | −GH₵442.31 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1275 | – | GH₵91,892.57 | |
| | 13.1672 | €0.00 | GH₵92,170.40 | +GH₵277.83 |
| | 13.1672 | €0.00 | GH₵92,170.40 | +GH₵277.83 |
| | 13.1283 | €0.00 | GH₵91,898.10 | +GH₵5.53 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.0566 | – | GH₵91,395.92 | |
| | 13.1672 | €0.00 | GH₵92,170.40 | +GH₵774.48 |
| | 13.1283 | €0.00 | GH₵91,898.10 | +GH₵502.18 |
| | 13.1251 | €0.00 | GH₵91,875.70 | +GH₵479.78 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.0963 | – | GH₵91,673.82 | |
| | 13.1052 | €0.00 | GH₵91,736.40 | +GH₵62.58 |
| | 13.0931 | €0.00 | GH₵91,651.70 | −GH₵22.12 |
| | 13.0931 | €0.00 | GH₵91,651.70 | −GH₵22.12 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 12.9710 | – | GH₵90,797.13 | |
| | 13.0798 | €0.00 | GH₵91,558.60 | +GH₵761.47 |
| | 13.0541 | €0.00 | GH₵91,378.70 | +GH₵581.57 |
| | 13.0121 | €0.00 | GH₵91,084.70 | +GH₵287.57 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 13.0606 | €0.00 | GH₵91,424.20 | – |
| | 13.0121 | €0.00 | GH₵91,084.70 | – |
| | 13.0121 | €0.00 | GH₵91,084.70 | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 12.9797 | – | GH₵90,857.61 | |
| | 13.0606 | €0.00 | GH₵91,424.20 | +GH₵566.59 |
| | 13.0121 | €0.00 | GH₵91,084.70 | +GH₵227.09 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 12.9651 | – | GH₵90,755.94 | |
| | 13.0606 | €0.00 | GH₵91,424.20 | +GH₵668.26 |
| | 13.0538 | €0.00 | GH₵91,376.60 | +GH₵620.66 |
| | 13.0121 | €0.00 | GH₵91,084.70 | +GH₵328.76 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.0051 | – | GH₵91,035.61 | |
| | 13.0538 | €0.00 | GH₵91,376.60 | +GH₵340.99 |
| | 13.0480 | €0.00 | GH₵91,336.00 | +GH₵300.39 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 12.9885 | – | GH₵90,919.51 | |
| | 13.0294 | €0.00 | GH₵91,205.80 | +GH₵286.29 |
| | 13.0294 | €0.00 | GH₵91,205.80 | +GH₵286.29 |
| | 13.0251 | €0.00 | GH₵91,175.70 | +GH₵256.19 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 12.9885 | – | GH₵90,919.51 | |
|---|---|---|---|---|
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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, Sendwave pays 91,205.8 GHS on 7,000 EUR, which is 286.29 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 93,402.48 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 94 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.
Cheapest in 4% of them
Cheapest in 6% of them
Cheapest in 56% of them
Based on 35 comparisons across 5 amounts over the last 7 days.
Cheapest in 18% of them
Cheapest in 8% of them
Cheapest in 46% of them
Based on 94 comparisons across 5 amounts over the last 30 days.
Cheapest in 25% of them
Cheapest in 26% of them
Cheapest in 44% of them
Based on 154 comparisons across 5 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 Sendwave is the cheapest and gets you the most GHS, but it was the cheapest in only 18% of the 61 comparisons it appeared in over the past month.
TapTap Send (today's second cheapest) was the cheapest in only 8% of its comparisons, so it's rarely the cheapest option for transfers to Ghana.
If it's a one-off transfer, go with Sendwave, since it's the cheapest right now.
6 companies send money from France to Ghana. You can do it via app, online, multi-currency account, global account, in person, and broker.
For regular transfers from France
If you’re sending €50 to €200 to a family in Ghana, apps like Sendwave are the easiest way.
Over the past month, Sendwave was the cheapest app on 37% of the days it appeared for €7,000 transfers.
Sendwave charges €0 on a €7,000 transfer, and the GHS arrives in minutes - 3 days, often straight into a mobile money wallet, so your family doesn't need a bank account to receive it.
For one-off transfers
When converting EUR to GHS, an online service like MoneyGram is always cheaper than the bank's international virement.
Sending €7,000 with MoneyGram gets you 91,175.7 GHS with a €0 fee and -0.28% markup.
In our comparisons over the past month, it was the cheapest online service on 28 of the 30 days it quoted.
For travelling & receiving
Challenger banks like Wise are cheaper than high-street banks, and are perfect for travelling, receiving money, and making occasional transfers to Ghana.
On a €7,000 transfer, Wise gets you 89,548.42 GHS vs 91,205.8 GHS using Sendwave.
It's always , and choosing based on purpose and how much you get.
Companies like Wise offer great multi-currency features:
Hold EUR and GHS
Convert between them any time
Spend in GHS abroad or online
Receive EUR or GHS like a local
Our data shows Wise came out cheapest among challenger banks and multi-currency accounts on 83% of days in the past month.
Sending large sums from France
If you’re selling a property in France, repatriating a pension, moving to Ghana, or making any other large transfer, then you need a currency broker.
Regency FX charges no fee but adds 0.27% markup on EUR/GHS interbank rate.
And the more you transfer, the better rate you will get.
Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from €5,000 it quoted.
Also, many French banks cap transfers around €15,000/transfer, make sure to increase the limits in advance if you need to.
International business payments
Global accounts are for businesses in France paying suppliers abroad, getting paid by foreign clients, or operating in multiple currencies.
Companies like Airwallex, Wise Business, or Payoneer are the best for this.
With Sendwave, paying by debit card and receiving through mobile money is the cheapest combination. Sending €7,000 gives your recipient 91,205.8 GHS.
Fund the transfer from France by debit card, bank transfer, credit card, and iDEAL.
You can pay by virement
Send the money by bank transfer from your French RIB or IBAN.
SEPA Instant can be instant for funding your transfer, but delivery speed to Ghana depends on the payout method.
Your recipient in Ghana can collect GHS through bank deposit, mobile money, cash pickup, taptap wallet, mobile wallet, and card deposit.
They can collect cash in Ghana
Your recipient can collect GHS from a participating agent location in Ghana. They should take a valid photo ID and the collection reference.
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₵91,176
-GH₵30
You pay €7,000.00
GH₵91,176
-GH₵30
You pay €7,002.99
GH₵91,176
-GH₵30
You pay €7,000.00
GH₵91,176
-GH₵30
You pay €7,002.99
GH₵91,176
-GH₵30
You pay €7,000.00
GH₵90,794
-GH₵412
You pay €7,004.99
GH₵90,794
-GH₵412
You pay €7,000.00
GH₵90,794
-GH₵412
You pay €7,004.99
GH₵90,794
-GH₵412
You pay €7,000.00
GH₵89,419
-GH₵1,787
From France, the important split is whether the money stays in euros or changes currency. Cash funding and non-bank protection work differently too.
For a €7,000 transfer to Ghana, these are the best ways to start with:
Cheapest way to send money to Ghana
The cheapest option is Sendwave, 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 89,282.08 GHS in en quelques minutes.
If you are a tax resident in France, you can pay up to €1,000 in cash to a transfer company.
This limits the cash payment, rather than the amount you can send abroad.
For a larger transfer, pay by bank transfer or card.
French banks and transfer companies can ask for a justificatif (proof) showing where the money came from and why it is being sent.
For property, tuition or moving savings abroad, keep the sale document, invoice or recent bank statement ready.
Your bank may also have a lower daily virement limit, which you can ask it to raise before the payment is due.
The FGDR deposit guarantee covers eligible bank deposits up to €100,000 per customer and bank.
Payment and e-money institutions are not members of the FGDR, although they must protect customer funds through safeguarding arrangements (keeping your funds separate to theirs).
If in doubt, check REGAFI to see whether a bank, payment institution or e-money institution is authorised to operate in France.
Most of our pricing comes straight from the companies, and the rest we collect by hand and label in the table.
That covers 6 ACPR-registered companies sending EUR to Ghana, with the rates refreshed in real time on live EUR/GHS searches.
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.
We compare fees, rates and the ways money can be paid in and received, and each company also goes through 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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