MoneyTransfers

How to send money to Ghana from India with the best INR-GHS rate

We’ve analysed and compared 3 ways to send money from India to Ghana.

Wise with bank transfer deposit and bank deposit payout is the cheapest way to send money from India to Ghana. Sending 22,100 INR will get you 2,645.43 GHS in Ghana.

Best companies for INR/GHS transfers

3 of 3 providers

Last updated on 10 November 2026

Based on 22,100 INR transfer

Best companies for INR/GHS transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee ₹907.91 1 INR = 0.1248 GHS -0.01% vs mid-market Recipient gets GH₵2,645.43 Same day
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 depositSame dayAvailable via:Bank Transfer
₹907.911 INR = 0.1248 GHS
GH₵2,645.43You pay₹22,100.00

Run a live search

Showing top India to Ghana deals for 22,100 INR. Do a live search with your exact amount for today's best rates.

Wise

Pay via Bank transfer
Fee ₹907.91 1 INR = 0.1248 GHS -0.01% vs mid-market Recipient gets GH₵2,645.43 Same day
25 reviews
CheapestFastestOur top pick
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 depositSame dayAvailable via:Bank Transfer
₹907.911 INR = 0.1248 GHS
GH₵2,645.43You pay₹22,100.00
Send cash via a MoneyGram agent

MoneyGram Agent

Pay via Bank transfer
Fee ₹884.00 1 INR = 0.1173 GHS +6.00% vs mid-market Recipient gets GH₵2,489.35 Minutes - 3 days
0 reviews

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
₹884.001 INR = 0.1173 GHS
GH₵2,489.35You pay₹22,100.00
Send cash via a Western Union agent

Western Union Agent

Pay via Bank transfer
Fee ₹663.00 1 INR = 0.1161 GHS +7.00% vs mid-market Recipient gets GH₵2,488.52 Minutes - 5 days
0 reviews

Ways to receive money in Ghana with Western Union Agent when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 5 days
₹663.001 INR = 0.1161 GHS
GH₵2,488.52You pay₹22,100.00
How Our Results Work
Mid-market rate: 1 INR = 0.1248 GHS Updates every 60 minutes.

How to send money from India to Ghana

Pick a company

For a one-off INR transfer to Ghana, I suggest picking the cheapest option which is Wise.

Wise was the cheapest on 30 of the 30 days it quoted ₹22,100 transfers to Ghana.

On a 22,100 INR transfer, Wise delivers the most GHS.

The best option will change depending on how much you actually send, so I suggest to get the best INR/GHS rate.

Fund your transfer

You can fund your transfer via bank transfer.

Most people pay with UPI straight from their banking app, and it reaches the money transfer company account in seconds.

For a large amount (10+ lakhs), ask for RTGS instead, it clears quicker than the everyday rails.

Verify and send

You'll need your PAN and a signed Form A2 before the money can leave the country.

Start a first transfer a few days early.

Compare amounts

How much INR are you sending to Ghana?

How much INR 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 Wise was the cheapest in 72% of all the transfers it quoted over the past month.

Cheapest service
₹22,100This page-0.01%₹907.91GH₵2,645.43with bank transfer to bank deposit+GH₵104.33
₹50,000-0.06%₹1,446.93GH₵6,060.25with bank transfer to bank depositGH₵0.00
₹1,00,000-0.16%₹2,412.92GH₵12,179.84with bank transfer to bank depositGH₵0.00
₹2,00,000-0.01%₹4,344.82GH₵24,423.83with bank transfer to bank depositGH₵0.00
₹5,00,000-0.21%₹10,140.47GH₵61,226.07with bank transfer to bank depositGH₵0.00
₹6,00,0000.27%₹0.00GH₵74,628.76with bank transfer to bank deposit+GH₵591.25
₹10,00,0000.27%₹0.00GH₵1,24,348.35with bank transfer to bank deposit+GH₵992.57

Mid-market rate: 1 INR = 0.1248 GHS

INR/GHS Exchange Rate History

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

The cheapest way to send INR 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 Wise), across 30 days of comparisons for 22,100 INR transfers to Ghana.

GHS received for ₹22,100, after fees

Tue, 10 Nov, 2026Mid-market rateGH₵2,758.59 Wise GH₵2,645.43WiseGH₵2,645.43MoneyGram AgentGH₵2,489.35Western Union AgentGH₵2,488.52

2,400
2,500
2,600
2,700
2,800
At the mid-market rateWith the cheapest optionWiseMoneyGram AgentWestern Union Agent
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1226 – GH₵2,710.28
Wise Cheapest 0.1232 ₹1,035.61 GH₵2,595.98 −GH₵114.30
MoneyGram Agent 0.1153 ₹884.00 GH₵2,445.75 −GH₵264.53
Western Union Agent 0.1141 ₹663.00 GH₵2,444.94 −GH₵265.34
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1237 – GH₵2,734.76
Wise Cheapest 0.1231 ₹934.67 GH₵2,605.11 −GH₵129.65
MoneyGram Agent 0.1163 ₹884.00 GH₵2,467.85 −GH₵266.91
Western Union Agent 0.1151 ₹663.00 GH₵2,467.03 −GH₵267.73
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1228 – GH₵2,713.00
Wise Cheapest 0.1232 ₹924.19 GH₵2,608.90 −GH₵104.10
MoneyGram Agent 0.1154 ₹884.00 GH₵2,448.21 −GH₵264.79
Western Union Agent 0.1142 ₹663.00 GH₵2,447.39 −GH₵265.61
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1227 – GH₵2,710.96
Wise Cheapest 0.1226 ₹947.58 GH₵2,594.26 −GH₵116.70
MoneyGram Agent 0.1153 ₹884.00 GH₵2,446.37 −GH₵264.59
Western Union Agent 0.1141 ₹663.00 GH₵2,445.56 −GH₵265.40
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1225 – GH₵2,708.09
Wise Cheapest 0.1225 ₹931.20 GH₵2,592.33 −GH₵115.76
MoneyGram Agent 0.1152 ₹884.00 GH₵2,443.78 −GH₵264.31
Western Union Agent 0.1140 ₹663.00 GH₵2,442.97 −GH₵265.12
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1232 – GH₵2,721.64
Wise Cheapest 0.1227 ₹916.45 GH₵2,598.52 −GH₵123.12
MoneyGram Agent 0.1158 ₹884.00 GH₵2,456.01 −GH₵265.63
Western Union Agent 0.1145 ₹663.00 GH₵2,455.19 −GH₵266.45
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1232 – GH₵2,721.64
Wise Cheapest 0.1227 ₹916.45 GH₵2,598.52 −GH₵123.12
MoneyGram Agent 0.1158 ₹884.00 GH₵2,456.01 −GH₵265.63
Western Union Agent 0.1145 ₹663.00 GH₵2,455.19 −GH₵266.45
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1236 – GH₵2,731.12
Wise Cheapest 0.1237 ₹1,088.42 GH₵2,598.31 −GH₵132.81
MoneyGram Agent 0.1162 ₹884.00 GH₵2,464.56 −GH₵266.56
Western Union Agent 0.1149 ₹663.00 GH₵2,463.74 −GH₵267.38
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1232 – GH₵2,721.81
Wise Cheapest 0.1228 ₹951.60 GH₵2,595.99 −GH₵125.82
MoneyGram Agent 0.1158 ₹884.00 GH₵2,456.16 −GH₵265.65
Western Union Agent 0.1145 ₹663.00 GH₵2,455.35 −GH₵266.46
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1228 – GH₵2,714.34
Wise Cheapest 0.1227 ₹955.85 GH₵2,593.44 −GH₵120.90
MoneyGram Agent 0.1155 ₹884.00 GH₵2,449.42 −GH₵264.92
Western Union Agent 0.1142 ₹663.00 GH₵2,448.61 −GH₵265.73
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1231 – GH₵2,721.50
Wise Cheapest 0.1227 ₹932.98 GH₵2,597.79 −GH₵123.71
MoneyGram Agent 0.1158 ₹884.00 GH₵2,455.89 −GH₵265.61
Western Union Agent 0.1145 ₹663.00 GH₵2,455.07 −GH₵266.43
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1220 – GH₵2,696.64
Wise Cheapest 0.1223 ₹931.35 GH₵2,589.39 −GH₵107.25
MoneyGram Agent 0.1147 ₹884.00 GH₵2,433.45 −GH₵263.19
Western Union Agent 0.1135 ₹663.00 GH₵2,432.64 −GH₵264.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1220 – GH₵2,696.95
Wise Cheapest 0.1223 ₹929.30 GH₵2,589.39 −GH₵107.56
MoneyGram Agent 0.1147 ₹884.00 GH₵2,433.73 −GH₵263.22
Western Union Agent 0.1135 ₹663.00 GH₵2,432.92 −GH₵264.03
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1220 – GH₵2,696.95
Wise Cheapest 0.1223 ₹929.30 GH₵2,589.39 −GH₵107.56
MoneyGram Agent 0.1147 ₹884.00 GH₵2,433.73 −GH₵263.22
Western Union Agent 0.1135 ₹663.00 GH₵2,432.92 −GH₵264.03
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1216 – GH₵2,687.49
Wise Cheapest 0.1216 ₹1,018.85 GH₵2,564.40 −GH₵123.09
MoneyGram Agent 0.1143 ₹884.00 GH₵2,425.19 −GH₵262.30
Western Union Agent 0.1131 ₹663.00 GH₵2,424.39 −GH₵263.10
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1225 – GH₵2,706.81
Wise Cheapest 0.1222 ₹925.30 GH₵2,586.60 −GH₵120.21
MoneyGram Agent 0.1151 ₹884.00 GH₵2,442.62 −GH₵264.19
Western Union Agent 0.1139 ₹663.00 GH₵2,441.81 −GH₵265.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1226 – GH₵2,709.86
Wise Cheapest 0.1223 ₹904.34 GH₵2,593.16 −GH₵116.70
MoneyGram Agent 0.1153 ₹884.00 GH₵2,445.38 −GH₵264.48
Western Union Agent 0.1140 ₹663.00 GH₵2,444.56 −GH₵265.30
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1221 – GH₵2,697.53
Wise Cheapest 0.1220 ₹902.68 GH₵2,585.37 −GH₵112.16
MoneyGram Agent 0.1147 ₹884.00 GH₵2,434.25 −GH₵263.28
Western Union Agent 0.1135 ₹663.00 GH₵2,433.44 −GH₵264.09
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1223 – GH₵2,702.68
Wise Cheapest 0.1222 ₹854.42 GH₵2,597.14 −GH₵105.54
MoneyGram Agent 0.1150 ₹884.00 GH₵2,438.89 −GH₵263.79
Western Union Agent 0.1137 ₹663.00 GH₵2,438.08 −GH₵264.60
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1226 – GH₵2,709.33
Wise Cheapest 0.1226 ₹912.36 GH₵2,598.07 −GH₵111.26
MoneyGram Agent 0.1152 ₹884.00 GH₵2,444.90 −GH₵264.43
Western Union Agent 0.1140 ₹663.00 GH₵2,444.08 −GH₵265.25
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1226 – GH₵2,709.33
Wise Cheapest 0.1226 ₹912.36 GH₵2,598.07 −GH₵111.26
MoneyGram Agent 0.1152 ₹884.00 GH₵2,444.90 −GH₵264.43
Western Union Agent 0.1140 ₹663.00 GH₵2,444.08 −GH₵265.25
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1232 – GH₵2,722.54
Wise Cheapest 0.1221 ₹1,098.24 GH₵2,564.71 −GH₵157.83
MoneyGram Agent 0.1158 ₹884.00 GH₵2,456.82 −GH₵265.72
Western Union Agent 0.1146 ₹663.00 GH₵2,456.01 −GH₵266.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1228 – GH₵2,714.63
Wise Cheapest 0.1226 ₹889.44 GH₵2,601.43 −GH₵113.20
MoneyGram Agent 0.1155 ₹884.00 GH₵2,449.68 −GH₵264.95
Western Union Agent 0.1142 ₹663.00 GH₵2,448.87 −GH₵265.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1222 – GH₵2,701.22
Wise Cheapest 0.1228 ₹932.89 GH₵2,599.53 −GH₵101.69
MoneyGram Agent 0.1149 ₹884.00 GH₵2,437.58 −GH₵263.64
Western Union Agent 0.1137 ₹663.00 GH₵2,436.77 −GH₵264.45
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1231 – GH₵2,720.53
Wise Cheapest 0.1234 ₹888.64 GH₵2,617.27 −GH₵103.26
MoneyGram Agent 0.1157 ₹884.00 GH₵2,455.01 −GH₵265.52
Western Union Agent 0.1145 ₹663.00 GH₵2,454.19 −GH₵266.34
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1240 – GH₵2,740.91
Wise Cheapest 0.1240 ₹888.01 GH₵2,629.54 −GH₵111.37
MoneyGram Agent 0.1166 ₹884.00 GH₵2,473.40 −GH₵267.51
Western Union Agent 0.1153 ₹663.00 GH₵2,472.57 −GH₵268.34
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1242 – GH₵2,745.84
Wise Cheapest 0.1242 ₹954.18 GH₵2,626.84 −GH₵119.00
MoneyGram Agent 0.1168 ₹884.00 GH₵2,477.84 −GH₵268.00
Western Union Agent 0.1155 ₹663.00 GH₵2,477.02 −GH₵268.82
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1247 – GH₵2,755.25
Wise Cheapest 0.1242 ₹954.18 GH₵2,626.84 −GH₵128.41
MoneyGram Agent 0.1172 ₹884.00 GH₵2,486.34 −GH₵268.91
Western Union Agent 0.1159 ₹663.00 GH₵2,485.51 −GH₵269.74
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1247 – GH₵2,756.80
Wise Cheapest 0.1246 ₹976.49 GH₵2,632.43 −GH₵124.37
MoneyGram Agent 0.1173 ₹884.00 GH₵2,487.73 −GH₵269.07
Western Union Agent 0.1160 ₹663.00 GH₵2,486.91 −GH₵269.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1248 – GH₵2,758.59
Wise Cheapest 0.1248 ₹907.91 GH₵2,645.43 −GH₵113.16
MoneyGram Agent 0.1173 ₹884.00 GH₵2,489.35 −GH₵269.24
Western Union Agent 0.1161 ₹663.00 GH₵2,488.52 −GH₵270.07

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send ₹22,100, after fees, as quoted by each company. The mid-market line shows what ₹22,100 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 INR than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of GHS on every transfer from India.

Right now, Wise pays 2,645.43 GHS on 22,100 INR, which is 113.16 GHS less than the mid-market amount.

Today's payout is the highest in the past month.

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 207 comparisons to check how often today's top companies were the cheapest across 7 amounts over the past month.

  1. WiseAppeared in 203 comparisons

    Cheapest in 72% of them

  2. MoneyGram AgentAppeared in 30 comparisons

    Never the cheapest

  3. Western Union AgentAppeared in 30 comparisons

    Never the cheapest

Based on 207 comparisons across 7 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 Wise is the cheapest and gets you the most GHS, and it was also the cheapest in 72% of the 203 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Ghana.

Ways to send money from India to Ghana

You have 3 options to send money to Ghana from India.

Easiest way to send INR

Online transfers

Online services and apps are simple and cheap for INR to Ghana transfers.

It works well for tuition deposits, living costs, and other ongoing payments to Ghana.

Wise charges 907.91 INR in fees to send ₹22,100, which will get your recipient around 2,645.43 GHS.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

Spending and receiving

Multi-currency accounts

With Wise you can hold INR and GHS in one account and swap between them when you need.

Over the past month, Wise came out cheapest among multi-currency accounts on 100% of days.

And you get GHS and INR banking details to receive payments.

Useful if you’re studying in Ghana, travelling there often, or getting paid in GHS.

Making business payments

Global accounts

Business payments supported by an invoice do not use the owner’s personal LRS allowance.

Wise Business, Instarem Business, and Payoneer can manage freelancer payments, batch payments to Ghana, invoices, and more.

Ways to fund INR and receive GHS in Ghana

With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending ₹22,100 gives your recipient 2,645.43 GHS.

UPI can fund the INR side when the company supports it, but the outward remittance still leaves India through an RBI-authorised bank.

From India, you can fund your transfer to Ghana using bank transfer.

Fund the outward remittance through your bank

Fund the transfer by bank transfer from your Indian account.

You will normally need your PAN, Form A2 and documents showing the purpose of the transfer.

In Ghana, your recipient can receive GHS by bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay ₹22,100.00

    GH₵2,645

    Cheapest

Consider this before sending INR to Ghana

Outward transfers from India sit under the Liberalised Remittance Scheme. The purpose decides the documents and how much TCS is collected upfront.

Compare INR/GHS transfer options

For an INR 22,100 transfer to Ghana, the current options are:

  1. The cheapest option is Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 2,645.43 GHS, which is 5.9% more than the next best option.

  2. The fastest option is Wise, funded by bank transfer with bank deposit in Ghana. Your recipient gets 2,645.43 GHS in next day.

The LRS limit covers all your outward transfers

A resident individual can remit up to USD 250,000 in one financial year under the Liberalised Remittance Scheme for permitted current and capital-account transactions.

The limit is per person and covers your combined LRS use, including gifts, maintenance, study, travel and overseas investment.

It is not a separate allowance for every bank or transfer company.

The authorised money transfer company will normally ask for your PAN, Form A2 and a purpose code.

The RBI LRS direction explains the yearly limit and permitted use.

TCS can lock up cash until your tax return

TCS is collected on qualifying LRS remittances above the annual threshold.

From April 2026, education and medical remittances are generally collected at 2% above ₹10 lakh, while many other purposes carry 20% above the threshold.

Education funded by a qualifying loan does not attract TCS.

TCS is a tax credit rather than an extra transfer fee. You can claim it against your final tax bill, but the money remains unavailable until it is adjusted or refunded.

Add up your LRS payments across banks before sending. The bank or transfer company will need your earlier use to apply the threshold correctly.

UPI only funds the rupee side

UPI can be used to deposit money to a money transfer company, but it can’t send GHS to Ghana.

Instead, a money transfer company will switch to a local network of bank accounts or local rails to move INR to GHS.

All outward remittance still passes through an RBI-authorised dealer.

How we analyse the market

Money only leaves India through an RBI-authorised dealer, so that's the first filter on this table.

We track 3 of them on INR to Ghana, comparing rates, fees and the ways you can pay in, refreshed in real time on live comparisons.

In the past 30 days alone, we analysed 207 comparisons across 7 amounts.

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

Each one also goes through our review, and hand-collected pricing is marked as such.

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 India

Send money from India to United States Send money from India to Nigeria Send money from India to Spain Send money from India to Bangladesh Send money from India to United Kingdom Send money from India to Philippines Send money from India to Canada Send money from India to Pakistan Send money from India to United Arab Emirates Send money from India to Russia Send money from India to Australia Send money from India to Nepal Send money from India to Qatar Send money from India to Kenya Send money from India to Germany Send money from India to Indonesia Send money from India to Sri Lanka Send money from India to Saudi Arabia Send money from India to Oman

Send money to Ghana

Send money from United States to Ghana Send money from Nigeria to Ghana Send money from United Kingdom to Ghana Send money from Turkey to Ghana Send money from Philippines to Ghana Send money from Germany to Ghana Send money from Canada to Ghana Send money from South Africa to Ghana Send money from United Arab Emirates to Ghana Send money from Spain to Ghana Send money from Australia to Ghana Send money from Switzerland to Ghana Send money from Netherlands to Ghana Send money from Japan to Ghana Send money from France to Ghana Send money from Sweden to Ghana Send money from Italy to Ghana