Wise is the cheapest overall way to send money from the Philippines to Ghana, turning PHP 14,700 into 2,666.75 GHS at 0.1854 GHS per PHP.
There are 3 companies that send money from the Philippines to Ghana, and you can send PHP via in person, online, app, multi-currency account, and global account.
| 3 of 3 providers Last updated on 28 September 2026 | |||
| Based on 14,700 PHP transfer Best companies for PHP/GHS transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee ₱317.57 1 PHP = 0.1854 GHS +0.33% vs mid-market | Recipient gets GH₵2,666.75 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ₱317.571 PHP = 0.1854 GHS GH₵2,666.75You pay₱14,700.00 | |||
Run a live search Showing top Philippines to Ghana deals for 14,700 PHP. 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 PHP 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 PHP you're planning to spend in Ghana. | |||
Run a live search These are managed services with real human support for large PHP transfers. Click the link and update the transfer amount to get the best deal. | |||
| Wise Pay via Bank transfer | Fee ₱317.57 1 PHP = 0.1854 GHS +0.33% vs mid-market | Recipient gets GH₵2,666.75 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer ₱317.571 PHP = 0.1854 GHS GH₵2,666.75You pay₱14,700.00 | |||
| Send cash via a MoneyGram agent  MoneyGram Agent Pay via Bank transfer | Fee ₱588.00 1 PHP = 0.1749 GHS +6.00% vs mid-market | Recipient gets GH₵2,467.71 Minutes - 3 days | |
Ways to receive money in Ghana with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days ₱588.001 PHP = 0.1749 GHS GH₵2,467.71You pay₱14,700.00 | |||
| Send cash via a Western Union agent  Western Union Agent Pay via Bank transfer | Fee ₱441.00 1 PHP = 0.1730 GHS +7.00% vs mid-market | Recipient gets GH₵2,466.89 Minutes - 5 days | |
Ways to receive money in Ghana with Western Union Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days ₱441.001 PHP = 0.1730 GHS GH₵2,466.89You pay₱14,700.00 | |||
| How Our Results Work Mid-market rate: 1 PHP = 0.1860 GHS Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Germany, I suggest picking the cheapest option which is Wise.
On a 14,700 PHP transfer, Wise delivers the most GHS.
This will change depending on how much you actually send, so I suggest running a live search to get the best PHP/GHS rate.
Use the filters above if your recipient needs cash rather than a bank deposit.
You have 1 ways to pay for the transfer: bank transfer.
Depending on the company, you can use InstaPay which takes seconds to deposit.
Above about a million pesos it goes through PESONet instead, which can take a day.
First time round you'll need a valid ID and your details to match it exactly.
Make sure you do it before you need to send GHS to avoid any delays.
How much PHP 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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| ₱14,700This page | 0.33% | ₱317.57 | GH₵2,666.75with bank transfer to bank deposit | +GH₵132.97 | |
| ₱20,000 | -0.22% | ₱384.82 | GH₵3,655.64with bank transfer to bank deposit | +GH₵200.10 | |
| ₱400,000 | 0.27% | ₱0.00 | GH₵74,154.44with bank transfer to bank deposit | +GH₵622.48 |
Mid-market rate: 1 PHP = 0.1860 GHS
3 companies send money from the Philippines to Ghana.
Visa and tuition payments
Online services work well for visa fees, tuition deposits and other payments you need to make before moving abroad.
Wise charges ₱317.57 in fees and 0.34% markup to send 14,700 PHP.
This will get you 2,666.75 GHS.
Traveling and spending
A multi-currency account is useful if you regularly pay tuition, rent or other bills in Ghana, or if you travel to Ghana often.
Wise lets you hold PHP and GHS in one account and converts 14,700 PHP with a 0.34% exchange-rate markup and small fee.
For freelancers
Global accounts help Philippine freelancers and businesses make regular payments to Ghana.
Payoneer and Wise Business offer international account details, invoicing and batch payments.
With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending ₱14,700 gives your recipient 2,666.75 GHS.
To fund the transfer from the Philippines, use bank transfer.
Fund the PHP side through your bank
Use InstaPay for an eligible smaller payment or PESONet when the company supplies bank details.
Both rails send PHP domestically to the company's account before they send it to Ghana.
GCash and Maya are useful for domestic payments and receiving money, but they do not send GHS to a person in Ghana.
Your recipient in Ghana can receive money with a bank deposit.
You pay ₱14,700.00
GH₵2,667
Cheapest
A few things to remember about money transfers from Philippines to Ghana.
Cheapest way to send money to Ghana
The cheapest option is Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 2,666.75 GHS, which is 7.46% more than the next best option.
Fastest way to send money to Ghana
The fastest option is Wise. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 2,666.75 GHS, with collection available in within 3 hours.
The Philippines charges 6% donor's tax on total taxable gifts above PHP 250,000 in a calendar year.
The donor pays it, even when the person receiving the money lives abroad.
BIR Form 1800 is due within 30 days of the gift.
This does not make every family payment a taxable donation, but a large personal gift should be checked before sending.
The BIR's Form 1800 guidance explains the threshold, rate and filing deadline.
InstaPay, PESONet, Maya, etc. move PHP between Philippine accounts only.
Some companies allow these as funding methods, but neither can be used to send international transfers to Ghana.
GCash can be used for international transfers, but it is limited and usually more expensive.
PDIC protects eligible deposits held with a member bank.
It does not protect a transfer after the money has left your bank or a balance held with a non-bank transfer company.
If a BSP-supervised company does not resolve a complaint, you can escalate it through the BSP Online Buddy.
Even a small move in the exchange rate changes how much GHS arrives for your PHP, especially on a larger transfer.
Mid-market rate:1 PHP = 0.18633 GHS
We track 3 BSP-supervised companies sending PHP to Ghana, updated in real time on live searches.
Fees, exchange rates and the deposit and payout options are all compared, and nothing appears here without passing our review.
Most pricing comes from the companies themselves. Where we collect it by hand, the table says so.
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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