Regency FX is the cheapest way to send money to Ghana, giving your recipient 23,322.37 GHS from RM8,200.
If you need money fast, we suggest using Wise, your GHS transfer will arrive in within 3 hours.
| 3 of 3 providers Last updated on 26 September 2026 | |||
| Based on 8,200 MYR transfer Best companies for MYR/GHS transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee RM 124.68 1 MYR = 2.8546 GHS -0.10% vs mid-market | Recipient gets GH₵23,052.05 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer RM 124.681 MYR = 2.8546 GHS GH₵23,052.05You payRM 8,200.00 | |||
Run a live search Showing top Malaysia to Ghana deals for 8,200 MYR. 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 MYR 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 MYR you're planning to spend in Ghana. | |||
Run a live search These are managed services with real human support for large MYR 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 RM 0.00 1 MYR = 2.8442 GHS +0.27% vs mid-market | Recipient gets GH₵23,322.37 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 MYR = 2.8442 GHS GH₵23,322.37You payRM 8,200.00 | |||
| Wise Pay via Bank transfer | Fee RM 124.68 1 MYR = 2.8546 GHS -0.10% vs mid-market | Recipient gets GH₵23,052.05 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer RM 124.681 MYR = 2.8546 GHS GH₵23,052.05You payRM 8,200.00 | |||
| Wise Pay via FPX | Fee RM 124.68 1 MYR = 2.8546 GHS -0.10% vs mid-market | Recipient gets GH₵23,052.05 Within minutes | |
Ways to receive money in Ghana with Wise when paying by fpx. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer RM 124.681 MYR = 2.8546 GHS GH₵23,052.05You payRM 8,200.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee RM 5.00 1 MYR = 2.7188 GHS +4.78% vs mid-market | Recipient gets GH₵22,280.73 Minutes - 2 days | |
Ways to receive money in Ghana with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 2 days RM 5.001 MYR = 2.7188 GHS GH₵22,280.73You payRM 8,200.00 Bank depositMinutes - 2 days RM 5.001 MYR = 2.7188 GHS GH₵22,280.73You payRM 8,200.00 | |||
| How Our Results Work Mid-market rate: 1 MYR = 2.8519 GHS Updates every 60 minutes. | |||
Transfer details
I suggest starting with Regency FX which is the cheapest option for sending RM8,200.
There are a few ways to fund your transfer, including bank transfer, fpx, and debit card.
DuitNow and FPX are most common, both free and instant from your banking app.
This is for funding your money transfer account, not direct transfers to Ghana.
First time round you'll need your IC, or a passport and permit if you're a foreign worker.
Run a new recipient's account through Semak Mule before you send to confirm their details.
There are 5 ways across 3 money transfer services send money from Malaysia to Ghana.
Regular transfers from Malaysia
Online services and apps work well for smaller transfers sent home every month.
Wise charges MYR 124.68 and -0.09% markup to send MYR 8,200 and your recipient gets GH₵23,052.05 in within 3 hours.
SST may appear separately on the fee.
Large transfers from Malaysia
Brokers are best for large MYR transfers to Ghana.
Regency FX is a good option, they charge no fees and add 0.4% markup on the MYR/GHS exchange rate.
You get an account manager to handle your transfer, and it’s useful for things like home purchases in Ghana, tuition fees, or moving savings from Malaysia to Ghana.
Holding multiple balances
A multi-currency account is useful if you receive income from Ghana, or travel there often.
Wise lets you hold MYR and GHS in one account, and convert between them when you need.
When converting MYR to GHS, 8,200 MYR will get you 23,052.05 GHS (after fees).
With Regency FX, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending MYR 8,200 gives your recipient 23,322.37 GHS.
You can fund your transfer in MYR through bank transfer, fpx, and debit card.
Paying through online banking (FPX)
Choose fpx at checkout and approve the payment through your Malaysian bank.
This is the simplest and quickest way to fund your account when sending money Ghana.
The processing fee may include SST, so double check the final GHS amount first.
The recipient can receive GHS through bank deposit and mobile money.
They can receive mobile money
Enter the mobile number registered to the recipient's supported wallet in Ghana.
Check both the number and wallet provider beforehand.
Use our "mobile money" payout filter above to find the cheapest company offering it.
They can receive money directly to the bank or card
For a card and bank deposit, you will need the recipient's account name, account number and bank details in Ghana.
Double check the info, since its very hard to stop or reverse once it leaves your account.
You pay RM8,200.00
GH₵23,322
Cheapest
You pay RM8,200.00
GH₵23,052
-GH₵270
You pay RM8,200.00
GH₵22,281
-GH₵1,042
You pay RM8,200.00
GH₵22,281
-GH₵1,042
Here are a few things to know about money transfers from Malaysia to Ghana.
For a RM 8,200 transfer, these are the best options:
Cheapest - Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 23,322.37 GHS, which is 1.16% more than the next best option.
Fastest - Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 23,052.05 GHS in within 3 hours.
Malaysia's Foreign Exchange Policy does not impose the overseas-investment limit on an ordinary payment for family support, education, goods or services.
Different rules can apply when a resident converts ringgit to invest in foreign-currency assets, particularly if they have domestic ringgit borrowing.
Bank Negara Malaysia keeps the current FEP rules and notices here.
A bank or licensed money services business can ask what the payment is for and where the money came from.
Keep the quote, receipt and any supporting invoice or employment record to hand over if needed.
For a new bank account, check the recipient details through the Royal Malaysia Police Semak Mule service first.
Only use a bank or money transfer service regulated by Bank Negara Malaysia.
Check the company in BNM's list of licensed MSB operators before paying an unfamiliar agent.
If you realise you have sent money to a scammer, contact your bank and call the National Scam Response Centre on 997.
The exchange rate affects how many Ghan Cedi your recipient gets for your Malaysian Ringgit.
Mid-market rate:1 MYR = 2.851892 GHS
Every company here holds a Bank Negara money services licence, and the register is public if you want to check one yourself.
We track 3 of them on MYR to Ghana, comparing rates, fees and the ways to pay in and collect, refreshed in real time on live comparisons.
Each 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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