Sendwave is the cheapest right now for transfers from Italy. Using a debit card deposit into a mobile money will get you 91,205.8 GHS in Ghana.
For speed, Revolut is fastest, with delivery in within minutes.
| 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 €83.67 1 EUR = 12.9591 GHS +0.18% vs mid-market | Recipient gets GH₵89,629.41 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 = 12.9591 GHS GH₵89,629.41You pay€7,000.00 | |||
| Promoted  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 12.9475 GHS +0.27% vs mid-market | Recipient gets GH₵90,632.75 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 = 12.9475 GHS GH₵90,632.75You pay€7,000.00 | |||
Run a live search Showing top Italy 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 -0.36% 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 -0.36% 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 -0.33% 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 €0.991 EUR = 13.0251 GHS GH₵91,175.70You pay€7,000.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card €4.991 EUR = 12.9705 GHS GH₵90,793.50You pay€7,004.99 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 -0.33% 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 €0.991 EUR = 13.0251 GHS GH₵91,175.70You pay€7,000.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card €4.991 EUR = 12.9705 GHS GH₵90,793.50You pay€7,004.99 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 Bank transfer | Fee €0.00 1 EUR = 13.0251 GHS -0.33% 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 €0.991 EUR = 13.0251 GHS GH₵91,175.70You pay€7,000.99 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 = 12.9475 GHS +0.27% vs mid-market | Recipient gets GH₵90,632.75 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 = 12.9475 GHS GH₵90,632.75You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €83.67 1 EUR = 12.9591 GHS +0.18% vs mid-market | Recipient gets GH₵89,629.41 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 = 12.9591 GHS GH₵89,629.41You pay€7,000.00 | |||
| Wise Pay via iDEAL | Fee €93.67 1 EUR = 12.9591 GHS +0.18% vs mid-market | Recipient gets GH₵89,499.82 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 = 12.9591 GHS GH₵89,499.82You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €61.45 1 EUR = 12.8791 GHS +0.80% vs mid-market | Recipient gets GH₵89,362.52 Within minutes | |
Ways to receive money in Ghana with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €61.451 EUR = 12.8791 GHS GH₵89,362.52You 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 = 12.9591 GHS +0.18% vs mid-market | Recipient gets GH₵88,926.51 Within minutes | |
Ways to receive money in Ghana with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €137.911 EUR = 12.9591 GHS GH₵88,926.51You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €179.37 1 EUR = 12.9591 GHS +0.18% vs mid-market | Recipient gets GH₵88,389.23 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 = 12.9591 GHS GH₵88,389.23You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €221.00 1 EUR = 12.8791 GHS +0.80% vs mid-market | Recipient gets GH₵87,307.65 Within minutes | |
Ways to receive money in Ghana with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €221.001 EUR = 12.8791 GHS GH₵87,307.65You 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 = 12.9826 GHS Updates every 60 minutes. | |||
Transfer details
For a one-off EUR transfer to Ghana, I suggest picking the cheapest option which is Sendwave.
Sendwave was the cheapest on 7 of the 23 days it quoted €7,000 transfers to Ghana.
On a 7,000 EUR transfer, Sendwave delivers the most GHS.
The best option will change depending on how much you actually send, so I suggest to get the best EUR/GHS rate.
You have 4 ways to fund your transfer: debit card, bank transfer, credit card, and iDEAL.
Sending money to Ghana directly with SEPA is expensive, but it's a cheap and quick way to fund your money transfer account.
You can also use a debit card to fund the transfer, including the Postepay card.
First time round you'll need your codice fiscale and a photo ID to verify your account.
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 23% of the transfers from €5,000 it quoted, and in 20% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| €500 | -1.15% | €0.00 | GH₵6,569.87with debit card to bank deposit | +GH₵152.59 | |
| €1,000 | -0.38% | €0.00 | GH₵13,029.40with debit card to mobile money | +GH₵214.42 | |
| €2,000 | -0.38% | €0.00 | GH₵26,058.80with debit card to mobile money | +GH₵473.07 | |
| €5,000 | -0.29% | €0.00 | GH₵65,147.00with debit card to mobile money | +GH₵722.80 | |
| €7,000This page | -0.36% | €0.00 | GH₵91,205.80with debit card to mobile money | +GH₵1,231.92 |
Mid-market rate: 1 EUR = 12.9826 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₵90,878.12 Sendwave GH₵91,205.80SendwaveGH₵91,205.80TapTap SendGH₵91,205.80MoneyGramGH₵91,175.70
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.2137 | – | GH₵92,495.62 | |
| | 13.2730 | €0.00 | GH₵92,911.00 | +GH₵415.38 |
 | 13.2730 | €0.00 | GH₵92,911.00 | +GH₵415.38 |
| | 13.2705 | €0.00 | GH₵92,893.50 | +GH₵397.88 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.2408 | – | GH₵92,685.61 | |
| | 13.2693 | €0.00 | GH₵92,885.10 | +GH₵199.49 |
| | 13.2300 | €0.00 | GH₵92,610.00 | −GH₵75.61 |
| | 13.2290 | €0.00 | GH₵92,603.00 | −GH₵82.61 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.2650 | – | GH₵92,854.89 | |
| | 13.2917 | €0.00 | GH₵93,041.90 | +GH₵187.01 |
| | 13.2787 | €0.00 | GH₵92,950.90 | +GH₵96.01 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.2621 | – | GH₵92,834.50 | |
| | 13.3200 | €0.00 | GH₵93,240.00 | +GH₵405.50 |
| | 13.3179 | €0.00 | GH₵93,225.30 | +GH₵390.80 |
| | 13.2860 | €0.00 | GH₵93,002.00 | +GH₵167.50 |
| 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 |
| | 13.2150 | €0.00 | GH₵92,505.00 | +GH₵141.20 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1426 | – | GH₵91,998.31 | |
| | 13.2860 | €0.00 | GH₵93,002.00 | +GH₵1,003.69 |
| | 13.2200 | €0.00 | GH₵92,540.00 | +GH₵541.69 |
| | 13.2150 | €0.00 | GH₵92,505.00 | +GH₵506.69 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1666 | – | GH₵92,166.49 | |
| | 13.2540 | €0.00 | GH₵92,778.00 | +GH₵611.51 |
| | 13.2540 | €0.00 | GH₵92,778.00 | +GH₵611.51 |
| | 13.2256 | €0.00 | GH₵92,579.20 | +GH₵412.71 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.1954 | – | GH₵92,367.62 | |
| | 13.2287 | €0.00 | GH₵92,600.90 | +GH₵233.28 |
| | 13.2020 | €0.00 | GH₵92,414.00 | +GH₵46.38 |
| | 13.2020 | €0.00 | GH₵92,414.00 | +GH₵46.38 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.2183 | – | GH₵92,528.11 | |
| | 13.2827 | €0.00 | GH₵92,978.90 | +GH₵450.79 |
| | 13.2725 | €0.00 | GH₵92,907.50 | +GH₵379.39 |
| | 13.2725 | €0.00 | GH₵92,907.50 | +GH₵379.39 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.2135 | – | GH₵92,494.17 | |
| | 13.2564 | €0.00 | GH₵92,794.80 | +GH₵300.63 |
| | 13.2436 | €0.00 | GH₵92,705.20 | +GH₵211.03 |
| | – | – | – | – |
| 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 | 13.1881 | – | 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 | 13.1633 | – | GH₵92,143.28 | |
| | 13.2146 | €0.00 | GH₵92,502.20 | +GH₵358.92 |
| | 13.2146 | €0.00 | GH₵92,502.20 | +GH₵358.92 |
| | 13.2095 | €0.00 | GH₵92,466.50 | +GH₵323.22 |
| | – | – | – | – |
| 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 |
| | 13.2173 | €0.00 | GH₵92,521.10 | +GH₵307.32 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.0438 | – | GH₵91,306.32 | |
 | 13.3109 | €0.00 | GH₵93,176.02 | +GH₵1,869.70 |
| | 13.1164 | €0.00 | GH₵91,814.80 | +GH₵508.48 |
| | 13.1143 | €0.00 | GH₵91,800.10 | +GH₵493.78 |
| | 13.1143 | €0.00 | GH₵91,800.10 | +GH₵493.78 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.0687 | – | GH₵91,480.67 | |
| | 13.1224 | €0.00 | GH₵91,856.80 | +GH₵376.13 |
| | 13.1143 | €0.00 | GH₵91,800.10 | +GH₵319.43 |
| | 13.1143 | €0.00 | GH₵91,800.10 | +GH₵319.43 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.0780 | – | GH₵91,545.78 | |
| | 13.0427 | €0.00 | GH₵91,298.60 | −GH₵247.18 |
| | 13.0220 | €0.00 | GH₵91,154.00 | −GH₵391.78 |
| | 13.0028 | €0.00 | GH₵91,019.60 | −GH₵526.18 |
| | 13.0028 | €0.00 | GH₵91,019.60 | −GH₵526.18 |
| 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 |
| | 13.0926 | €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 | |
| | 13.1064 | €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 | 13.1268 | – | GH₵91,887.57 | |
| | 13.0926 | €0.00 | GH₵91,648.20 | −GH₵239.37 |
| | 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 |
| | 13.1283 | €0.00 | GH₵91,898.10 | +GH₵26.17 |
| 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 |
| | 13.1283 | €0.00 | GH₵91,898.10 | +GH₵493.37 |
| | 13.1251 | €0.00 | GH₵91,875.70 | +GH₵470.97 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 13.0926 | – | GH₵91,648.13 | |
| | 13.0931 | €0.00 | GH₵91,651.70 | +GH₵3.57 |
| | 13.0931 | €0.00 | GH₵91,651.70 | +GH₵3.57 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 12.9759 | – | GH₵90,831.55 | |
| | 13.0798 | €0.00 | GH₵91,558.60 | +GH₵727.06 |
| | 13.0541 | €0.00 | GH₵91,378.70 | +GH₵547.15 |
| | 13.0121 | €0.00 | GH₵91,084.70 | +GH₵253.15 |
| 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 |
| | 13.0121 | €0.00 | GH₵91,084.70 | +GH₵227.09 |
| 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 |
| | 13.0121 | €0.00 | GH₵91,084.70 | +GH₵227.09 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 12.9653 | – | GH₵90,757.00 | |
| | 13.0606 | €0.00 | GH₵91,424.20 | +GH₵667.21 |
| | 13.0538 | €0.00 | GH₵91,376.60 | +GH₵619.61 |
| | 13.0538 | €0.00 | GH₵91,376.60 | +GH₵619.61 |
| 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 |
| | 13.0480 | €0.00 | GH₵91,336.00 | +GH₵288.23 |
| | 13.0294 | €0.00 | GH₵91,205.80 | +GH₵158.03 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 12.9826 | – | GH₵90,878.12 | |
| | 13.0294 | €0.00 | GH₵91,205.80 | +GH₵327.68 |
| | 13.0294 | €0.00 | GH₵91,205.80 | +GH₵327.68 |
| | 13.0251 | €0.00 | GH₵91,175.70 | +GH₵297.58 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 12.9826 | – | GH₵90,878.12 | |
|---|---|---|---|---|
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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 26 of the last 30 days.
Right now, Sendwave pays 91,205.8 GHS on 7,000 EUR, which is 327.68 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 94 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.
Cheapest in 16% of them
Cheapest in 13% of them
Cheapest in 54% of them
Based on 35 comparisons across 5 amounts over the last 7 days.
Cheapest in 20% of them
Cheapest in 10% of them
Cheapest in 45% of them
Based on 94 comparisons across 5 amounts over the last 30 days.
Cheapest in 29% of them
Cheapest in 20% of them
Cheapest in 41% of them
Based on 142 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 20% of the 64 comparisons it appeared in over the past month.
TapTap Send (today's second cheapest) was the cheapest in only 10% 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 Italy to Ghana. You can send EUR via app, online, multi-currency account, global account, in person, and broker, and more below.
Regular transfers
For the regular transfer home, an app like Sendwave is the easiest and most convenient option.
Over the past month, Sendwave was the cheapest app on 30% of the days it appeared for €7,000 transfers.
Sendwave charges €0 on a €7,000 transfer, and 91,205.8 GHS lands in a mobile wallet in seconds, no bank account needed on their side.
For one-off transfers
Outside the euro transfers, a bank transfer passes through intermediary banks, and each one can take a cut along the way.
Online services skip this and use their own network (it’s much cheaper).
MoneyGram delivers 91,175.7 GHS on €7,000 with a €0 fee and -0.33% markup.
In our comparisons over the past month, it was the cheapest online service on 28 of the 29 days it quoted.
Sending large sums
Managed services charge no fees and work on margin instead, and the more you send to Ghana, the better rate you will get.
Regency FX charges no fee and adds 0.27% on EUR/GHS rate.
Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from €5,000 it quoted.
Travelling and receiving
If you travel to Ghana often, or receive payments from there, this is the best option.
Multi-currency accounts let you hold EUR and GHS in one account, and give you local details.
I suggest trying Wise.
Over the past month, it came out cheapest among multi-currency accounts on 83% of days.
It holds EUR and GHS balances and charges small fees to convert between them.
For business payments
Global accounts are for businesses and freelancers with a partita IVA, paying suppliers abroad, invoicing foreign clients, holding a few currencies.
A few good options are Wise Business, Airwallex, and Payoneer.
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.
In Italy, you can pay by debit card, bank transfer, credit card, and iDEAL.
Satispay and Bancomat Pay are mainly domestic payment methods, they do not send GHS to Ghana by themselves.
In Ghana, the recipient can use bank deposit, mobile money, cash pickup, taptap wallet, mobile wallet, and card deposit.
In Ghana, they can collect cash through Select Wallets.
They need to take a photo ID and the collection reference to a participating Select Wallets location 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₵91,176
-GH₵30
You pay €7,000.00
GH₵91,176
-GH₵30
You pay €7,000.99
GH₵91,176
-GH₵30
You pay €7,000.00
GH₵91,176
-GH₵30
You pay €7,000.99
GH₵91,176
-GH₵30
You pay €7,004.99
GH₵90,794
-GH₵412
You pay €7,004.99
GH₵90,794
-GH₵412
You pay €7,004.99
GH₵90,794
-GH₵412
You pay €7,004.99
GH₵90,794
-GH₵412
You pay €7,000.00
GH₵89,500
-GH₵1,706
For a transfer from Italy, compare the amount received first. Then check whether you are making a SEPA payment, an extra-SEPA transfer or a cash-agent remittance, because each works differently.
These are the leading options for a €7,000 transfer to Ghana.
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 89,362.52 GHS, with the money arriving in within minutes.
A bonifico can move euros from your Italian bank to the transfer company through SEPA.
Companies like Sendwave then convert the money into GHS and pay your recipient in Ghana through a local bank, a wallet, or a cash-pickup network.
SEPA may fund the transfer quickly, but the delivery time depends on the local payout method.
In Italy, the term "money transfer" often means a cash-agent shop rather than an online bank transfer.
The Banca d'Italia confirms that money remittance must be provided by a bank, electronic money institution or authorised payment institution.
Their Italian agents must appear in the OAM register.
Italian banks and transfer companies can pause a large, unusual or poorly explained payment while they check its purpose and source.
Use a clear causale and keep the document that explains the money ready.
For property proceeds, tuition or moving savings, tell the bank before the transfer is due.
If a payment-service complaint is not resolved directly, the Arbitro Bancario Finanziario is the Italian financial ombudsman route.
Every company here is registered with Banca d'Italia or passported in from elsewhere in the EU.
We track 6 of them on EUR to Ghana, comparing rates, fees and the ways to pay in and collect, updated in real time on live comparisons.
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.
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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