Of the 3 companies servicing JPY/GHS, Regency FX is the cheapest, and Revolut is the fastest.
Sending ¥1,000,000 to Ghana with Regency FX will get your recipient 72,594.46 GHS.
| 3 of 3 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze JPY/GHS exchange rates from our comparisons. | |||
| Based on 1,000,000 JPY transfer Best companies for JPY/GHS transfersAll money transfer offers for JPY/GHS transfers, sorted by most GHS received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee ¥15,090.00 1 JPY = 0.0728 GHS +0.06% vs mid-market | Recipient gets GH₵71,652.60 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ¥15,090.001 JPY = 0.0728 GHS GH₵71,652.60You pay¥1,000,000.00 | |||
| Promoted  Regency FX Pay via Bank transfer | Fee ¥0.00 1 JPY = 0.0726 GHS +0.27% vs mid-market | Recipient gets GH₵72,594.46 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 JPY = 0.0726 GHS GH₵72,594.46You pay¥1,000,000.00 | |||
Run a live search Showing top Japan to Ghana deals for 1,000,000 JPY. 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 JPY 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 JPY you're planning to spend in Ghana. | |||
Run a live search These are managed services with real human support for large JPY transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: First Transfer Deal Regency FX Pay via Bank transfer | Fee ¥0.00 1 JPY = 0.0726 GHS +0.27% vs mid-market | Recipient gets GH₵72,594.46 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 JPY = 0.0726 GHS GH₵72,594.46You pay¥1,000,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee ¥3,500.00 1 JPY = 0.0720 GHS +1.09% vs mid-market | Recipient gets GH₵71,725.89 Within minutes | |
Ways to receive money in Ghana with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes ¥3,500.001 JPY = 0.0720 GHS GH₵71,725.89You pay¥1,000,000.00 | |||
| 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 Bank transfer | Fee ¥15,090.00 1 JPY = 0.0728 GHS +0.06% vs mid-market | Recipient gets GH₵71,652.60 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ¥15,090.001 JPY = 0.0728 GHS GH₵71,652.60You pay¥1,000,000.00 | |||
| How Our Results Work Mid-market rate: 1 JPY = 0.072791 GHS Updates every 60 minutes. | |||
Transfer details
We suggest starting with Regency FX since its the cheapest option for sending ¥1,000,000.
The best and cheapest options will change depending on the amount, so it's a good idea to to get the best JPY/GHS rate today.
You can fund your transfer from Japan via bank transfer.
A furikomi from your bank reaches the money transfer company account the same day.
You can also pay cash at a konbini terminal or an ATM for cash transfer.
When opening a new money transfers account, you'll need your residence card to register (tourists can't send money from Japan).
If you support family back home, ask about registering them as dependents, it may cut your income and resident tax (not tax advice).
3 companies send money from Japan to Ghana.
Everyday transfers
Online transfers to Ghana are usually faster and cheaper than a traditional Japanese bank wire.
Depending on the service, you can deposit money via bank deposit (Suica and other IC cards won’t work).
Revolut is the cheapest option.
It charges ¥3500 to send 1,000,000 JPY and your recipient gets 71,725.89 GHS (after a ¥3500 fee and a 1.09% markup). The GHS will arrive in within minutes.
You will normally need your residence card to open an account.
Regular overseas spending
A multi-currency account lets you convert part of your yen and keep GHS for future payments.
Revolut lets you hold JPY and GHS in one account and swap between them as you need.
Converting ¥1,000,000 gets you 71,725.89 GHS, after 1.09% markup and ¥3500 fee.
This is convenient for receiving payments in JPY or GHS, or spending money when traveling to Ghana.
Paying contractors
Global accounts help Japanese businesses make repeat payments to contractors and suppliers in Ghana.
Wise Business and Payoneer offer great business accounts in Japan.
With Regency FX, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending ¥1,000,000 gives your recipient 72,594.46 GHS.
You can fund the yen side by bank transfer.
Pay from a Japanese bank account
Transfer JPY using the account and reference provided by the money transfer company.
A domestic bank payment funds the transfer (usually very fast), but it does not determine how quickly GHS reaches the recipient.
For the payout, your recipient can use bank deposit in Ghana.
You pay ¥1,000,000.00
GH₵72,594
Cheapest
The weak yen makes the exchange-rate margin especially important. Foreign residents should also expect identity and purpose checks before the first overseas transfer.
These are the leading options for a ¥1,000,000 transfer to Ghana.
Cheapest way to send money to Ghana
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 72,594.46 GHS, which is 1.2% 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 71,725.89 GHS in within minutes.
Japanese banks and registered funds-transfer companies can ask for a residence card, address, My Number and the purpose of an overseas payment.
The exact documents depend on the money transfer company and transfer purpose.
The first payment may take longer while the account is being checked.
Keep the invoice or document explaining the payment ready if you are sending tuition, property money or a large personal transfer.
The Financial Services Agency advises foreign residents to use a licensed bank or Funds Transfer Service Provider.
PayPay, Suica, IC cards, and a domestic furikomi are useful inside Japan, but they do not send JPY to Ghana.
Japan's annual basic gift-tax exemption is ¥1.1 million per recipient under the calendar-year system.
The recipient may need to file and pay tax when total gifts received during the year exceed that amount.
Residence and asset-location rules can make cross-border cases more complicated, so do not assume that receiving the money in an overseas account avoids Japanese tax.
Non-bank remittance balances are protected under the Payment Services Act, but they are not ordinary bank deposits, so avoid leaving more money there beyond what you need to send.
The rate you secure decides how much GHS arrives for your JPY. Recent movement gives you a useful range to compare against today's quote.
Mid-market rate:1 JPY = 0.07265 GHS
We track 3 registered funds transfer companies sending JPY to Ghana, updated in real time on live searches.
With the yen weak, the exchange margin decides more than the fee does, so that's what we lead the comparison on, along with the ways to pay and collect.
Each 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.
Advanced filters
Advanced filters
Tailor this money transfer comparison to your needs.
Show companies that support specific transfer features.
Only show providers with user feedback and reviews.
Hide selected providers from the JPY/GHS comparison.
Search Now & Save On Your Transfer
Instantly view live exchange rates, fees & features.
Please share your experience with …