How to send money to Ghana from Poland with the best PLN-GHS rate

We’ve analysed and compared 5 money transfer companies below for PLN/GHS transfers.

Best companies for PLN/GHS transfers

5 of 5 providers

Last updated on 10 November 2026

Based on 30,000 PLN transfer

Best companies for PLN/GHS transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee 442,38 zł 1 PLN = 2.9948 GHS -0.18% vs mid-market Recipient gets 88.518,57 GH₵ Within minutes
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 depositWithin minutesAvailable via:Bank Transfer
442,38 zł1 PLN = 2.9948 GHS
88.518,57 GH₵You pay30.000,00 zł
Promoted

Regency FX

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 2.9812 GHS +0.27% vs mid-market Recipient gets 89.437,20 GH₵ Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Ghana with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 2.9812 GHS
89.437,20 GH₵You pay30.000,00 zł

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Showing top Poland to Ghana deals for 30,000 PLN. Do a live search with your exact amount for today's best rates.
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Regency FX

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 2.9812 GHS +0.27% vs mid-market Recipient gets 89.437,20 GH₵ Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Ghana with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 2.9812 GHS
89.437,20 GH₵You pay30.000,00 zł

TapTap Send

Pay via Debit card
Fee 0,00 zł 1 PLN = 2.9600 GHS +0.99% vs mid-market Recipient gets 88.800,00 GH₵ Minutes
Receive to bank account

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 PLN = 2.9600 GHS
88.800,00 GH₵You pay30.000,00 zł
Bank depositMinutes
Free1 PLN = 2.9600 GHS
88.800,00 GH₵You pay30.000,00 zł
Cash pickupMinutesAvailable via:CBG Cash Pickup
Free1 PLN = 2.9600 GHS
88.800,00 GH₵You pay30.000,00 zł
TapTap WalletMinutesAvailable via:Wallet (GHS)
Free1 PLN = 2.9600 GHS
88.800,00 GH₵You pay30.000,00 zł

Wise

Pay via Bank transfer
Fee 442,38 zł 1 PLN = 2.9948 GHS -0.18% vs mid-market Recipient gets 88.518,57 GH₵ Within minutes
Our 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 depositWithin minutesAvailable via:Bank Transfer
442,38 zł1 PLN = 2.9948 GHS
88.518,57 GH₵You pay30.000,00 zł
Only available via Mobile App

WorldRemit

Pay via Debit card
Fee 4,00 zł 1 PLN = 2.9479 GHS +1.40% vs mid-market Recipient gets 88.424,91 GH₵ Minutes - 2 days
Receive to bank account or cash pickup

Ways to receive money in Ghana with WorldRemit when paying by debit card.

MethodFee & ratesRecipient gets
Mobile moneyMinutes - 2 days
4,00 zł1 PLN = 2.9479 GHS
88.424,91 GH₵You pay30.000,00 zł
Bank depositMinutes - 2 days
4,00 zł1 PLN = 2.9479 GHS
88.424,91 GH₵You pay30.000,00 zł
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee 400,00 zł 1 PLN = 2.9744 GHS +0.50% vs mid-market Recipient gets 88.043,55 GH₵ Within minutes
Fastest
Multi-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositWithin minutes
400,00 zł1 PLN = 2.9744 GHS
88.043,55 GH₵You pay30.000,00 zł

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.

Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee 940,00 zł 1 PLN = 2.9744 GHS +0.50% vs mid-market Recipient gets 86.437,35 GH₵ Within minutes
Multi-currency cardReceive to bank account

Ways to receive money in Ghana with Revolut when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
940,00 zł1 PLN = 2.9744 GHS
86.437,35 GH₵You pay30.000,00 zł

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 PLN = 2.9893 GHS Updates every 60 minutes.

How to send money from Poland to Ghana

Pick a company

Start with the cheapest option, which is Regency FX. It will get you the most GHS on a PLN 30,000 transfer.

Regency FX was the cheapest on 30 of the 30 days it quoted zł30,000 transfers to Ghana.

This heavily depends on how much you send, so I suggest to get the best PLN/GHS rate.

Fund your transfer

You can fund your transfer to Ghana using bank transfer and debit card.

Depending on the transfer company, you can use BLIK, which is the quickest and easiest.

Verify and send

Before you send, you'll need to verify your account.

You'll need a photo ID and your PESEL.

Compare amounts

How much PLN are you sending to Ghana?

How much PLN 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 Regency FX was the cheapest in 100% of the transfers from PLN 20,000 it quoted, and in 100% of all the transfers it quoted.

Cheapest service
2.000 zł-1.65%0,00 zł6.068,48 GH₵with debit card to bank deposit+493,81 GH₵
5.000 zł0.85%0,00 zł14.800,00 GH₵with debit card to mobile money+476,48 GH₵
10.000 zł0.99%0,00 zł29.600,00 GH₵with debit card to mobile money+325,23 GH₵
20.000 zł0.91%0,00 zł59.200,00 GH₵with debit card to mobile money+642,54 GH₵
30.000 złThis page0.27%0,00 zł89.437,20 GH₵with bank transfer to bank deposit+1.160,27 GH₵

Mid-market rate: 1 PLN = 2.9893 GHS

PLN/GHS Exchange Rate History

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

The cheapest way to send PLN 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 Regency FX), across 30 days of comparisons for 30,000 PLN transfers to Ghana.

GHS received for 30.000 zł, after fees

Tue, 10 Nov 2026Mid-market rate89.679,33 GH₵ Regency FX 89.437,20 GH₵Regency FX89.437,20 GH₵TapTap Send88.800,00 GH₵Wise88.518,57 GH₵

86.000
87.000
88.000
89.000
90.000
91.000
At the mid-market rateWith the cheapest optionRegency FXTapTap SendWise
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9986 – 89.958,00 GH₵
Regency FX Cheapest 2.9905 0,00 zł 89.715,11 GH₵ −242,89 GH₵
TapTap Send 2.9700 0,00 zł 89.100,00 GH₵ −858,00 GH₵
Wise 3.0063 500,53 zł 88.684,55 GH₵ −1.273,45 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.0080 – 90.241,35 GH₵
Regency FX Cheapest 2.9999 0,00 zł 89.997,70 GH₵ −243,65 GH₵
TapTap Send 2.9800 0,00 zł 89.400,00 GH₵ −841,35 GH₵
Wise 2.9881 395,67 zł 88.461,88 GH₵ −1.779,47 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9694 – 89.081,01 GH₵
Regency FX Cheapest 2.9613 0,00 zł 88.840,49 GH₵ −240,52 GH₵
TapTap Send 2.9400 0,00 zł 88.200,00 GH₵ −881,01 GH₵
Wise 2.9655 424,89 zł 87.705,28 GH₵ −1.375,73 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9840 – 89.518,98 GH₵
Regency FX Cheapest 2.9759 0,00 zł 89.277,28 GH₵ −241,70 GH₵
TapTap Send 2.9500 0,00 zł 88.500,00 GH₵ −1.018,98 GH₵
Wise 2.9864 404,44 zł 88.384,18 GH₵ −1.134,80 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9976 – 89.926,77 GH₵
Regency FX Cheapest 2.9895 0,00 zł 89.683,97 GH₵ −242,80 GH₵
TapTap Send 2.9700 0,00 zł 89.100,00 GH₵ −826,77 GH₵
Wise 3.0018 448,20 zł 88.709,18 GH₵ −1.217,59 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.0078 – 90.233,85 GH₵
Regency FX Cheapest 2.9997 0,00 zł 89.990,22 GH₵ −243,63 GH₵
TapTap Send 2.9800 0,00 zł 89.400,00 GH₵ −833,85 GH₵
Wise 2.9974 543,98 zł 88.292,06 GH₵ −1.941,79 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.0078 – 90.233,85 GH₵
Regency FX Cheapest 2.9997 0,00 zł 89.990,22 GH₵ −243,63 GH₵
TapTap Send No quote collected this day – – – –
Wise No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.0058 – 90.175,14 GH₵
Regency FX Cheapest 2.9977 0,00 zł 89.931,67 GH₵ −243,47 GH₵
TapTap Send 2.9700 0,00 zł 89.100,00 GH₵ −1.075,14 GH₵
Wise 2.9916 421,97 zł 88.485,04 GH₵ −1.690,10 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9978 – 89.933,49 GH₵
Regency FX Cheapest 2.9897 0,00 zł 89.690,67 GH₵ −242,82 GH₵
TapTap Send 2.9700 0,00 zł 89.100,00 GH₵ −833,49 GH₵
Wise 2.9859 416,14 zł 88.335,04 GH₵ −1.598,45 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9903 – 89.710,20 GH₵
Regency FX Cheapest 2.9823 0,00 zł 89.467,98 GH₵ −242,22 GH₵
TapTap Send 2.9600 0,00 zł 88.800,00 GH₵ −910,20 GH₵
Wise 2.9927 442,37 zł 88.458,01 GH₵ −1.252,19 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9982 – 89.944,89 GH₵
Regency FX Cheapest 2.9901 0,00 zł 89.702,04 GH₵ −242,85 GH₵
TapTap Send 2.9700 0,00 zł 89.100,00 GH₵ −844,89 GH₵
Wise 2.9849 398,60 zł 88.358,40 GH₵ −1.586,49 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9510 – 88.530,78 GH₵
Regency FX Cheapest 2.9431 0,00 zł 88.291,75 GH₵ −239,03 GH₵
TapTap Send 2.9300 0,00 zł 87.900,00 GH₵ −630,78 GH₵
Wise 2.9588 392,76 zł 87.603,38 GH₵ −927,40 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9482 – 88.447,23 GH₵
Regency FX Cheapest 2.9403 0,00 zł 88.208,42 GH₵ −238,81 GH₵
TapTap Send 2.9200 0,00 zł 87.600,00 GH₵ −847,23 GH₵
Wise 2.9566 523,72 zł 87.148,10 GH₵ −1.299,13 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9482 – 88.447,23 GH₵
Regency FX Cheapest 2.9403 0,00 zł 88.208,42 GH₵ −238,81 GH₵
TapTap Send 2.9200 0,00 zł 87.600,00 GH₵ −847,23 GH₵
Wise 2.9566 523,72 zł 87.148,10 GH₵ −1.299,13 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9484 – 88.452,99 GH₵
Regency FX Cheapest 2.9405 0,00 zł 88.214,17 GH₵ −238,82 GH₵
Wise 2.9584 395,67 zł 87.580,86 GH₵ −872,13 GH₵
TapTap Send 2.9100 0,00 zł 87.300,00 GH₵ −1.152,99 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9494 – 88.480,71 GH₵
Regency FX Cheapest 2.9414 0,00 zł 88.241,81 GH₵ −238,90 GH₵
TapTap Send 2.9200 0,00 zł 87.600,00 GH₵ −880,71 GH₵
Wise 2.9434 448,20 zł 86.981,88 GH₵ −1.498,83 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9485 – 88.456,29 GH₵
Regency FX Cheapest 2.9406 0,00 zł 88.217,46 GH₵ −238,83 GH₵
TapTap Send 2.9200 0,00 zł 87.600,00 GH₵ −856,29 GH₵
Wise 2.9436 433,63 zł 87.031,27 GH₵ −1.425,02 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9466 – 88.397,97 GH₵
Regency FX Cheapest 2.9386 0,00 zł 88.159,30 GH₵ −238,67 GH₵
TapTap Send 2.9100 0,00 zł 87.300,00 GH₵ −1.097,97 GH₵
Wise 2.9452 421,97 zł 87.113,21 GH₵ −1.284,76 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9741 – 89.222,49 GH₵
Regency FX Cheapest 2.9661 0,00 zł 88.981,59 GH₵ −240,90 GH₵
TapTap Send 2.9400 0,00 zł 88.200,00 GH₵ −1.022,49 GH₵
Wise 2.9719 413,22 zł 87.927,77 GH₵ −1.294,72 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9478 – 88.433,70 GH₵
Regency FX Cheapest 2.9398 0,00 zł 88.194,93 GH₵ −238,77 GH₵
TapTap Send 2.9200 0,00 zł 87.600,00 GH₵ −833,70 GH₵
Wise 2.9493 650,65 zł 86.560,04 GH₵ −1.873,66 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9478 – 88.433,70 GH₵
Regency FX Cheapest 2.9398 0,00 zł 88.194,93 GH₵ −238,77 GH₵
Wise 2.9493 650,65 zł 86.560,04 GH₵ −1.873,66 GH₵
TapTap Send No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9656 – 88.967,73 GH₵
Regency FX Cheapest 2.9576 0,00 zł 88.727,52 GH₵ −240,21 GH₵
Wise 2.9579 549,77 zł 87.112,01 GH₵ −1.855,72 GH₵
TapTap Send No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9490 – 88.470,99 GH₵
Regency FX Cheapest 2.9411 0,00 zł 88.232,12 GH₵ −238,87 GH₵
TapTap Send 2.9200 0,00 zł 87.600,00 GH₵ −870,99 GH₵
Wise 2.9455 451,10 zł 87.035,10 GH₵ −1.435,89 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9590 – 88.770,09 GH₵
Regency FX Cheapest 2.9510 0,00 zł 88.530,41 GH₵ −239,68 GH₵
TapTap Send 2.9300 0,00 zł 87.900,00 GH₵ −870,09 GH₵
Wise 2.9730 515,02 zł 87.659,73 GH₵ −1.110,36 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9764 – 89.292,90 GH₵
Regency FX Cheapest 2.9684 0,00 zł 89.051,81 GH₵ −241,09 GH₵
TapTap Send 2.9500 0,00 zł 88.500,00 GH₵ −792,90 GH₵
Wise 2.9847 436,55 zł 88.238,32 GH₵ −1.054,58 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9700 – 89.100,81 GH₵
Regency FX Cheapest 2.9620 0,00 zł 88.860,24 GH₵ −240,57 GH₵
TapTap Send 2.9300 0,00 zł 87.900,00 GH₵ −1.200,81 GH₵
Wise 2.9689 416,14 zł 87.830,34 GH₵ −1.270,47 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9616 – 88.847,22 GH₵
Regency FX Cheapest 2.9536 0,00 zł 88.607,33 GH₵ −239,89 GH₵
TapTap Send 2.9300 0,00 zł 87.900,00 GH₵ −947,22 GH₵
Wise 2.9597 549,78 zł 87.163,82 GH₵ −1.683,40 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9674 – 89.021,76 GH₵
Regency FX Cheapest 2.9594 0,00 zł 88.781,40 GH₵ −240,36 GH₵
TapTap Send 2.9300 0,00 zł 87.900,00 GH₵ −1.121,76 GH₵
Wise 2.9597 549,78 zł 87.163,82 GH₵ −1.857,94 GH₵
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9851 – 89.552,88 GH₵
Regency FX Cheapest 2.9770 0,00 zł 89.311,09 GH₵ −241,79 GH₵
TapTap Send No quote collected this day – – – –
Wise No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 2.9893 – 89.679,33 GH₵
Regency FX Cheapest 2.9812 0,00 zł 89.437,20 GH₵ −242,13 GH₵
TapTap Send 2.9600 0,00 zł 88.800,00 GH₵ −879,33 GH₵
Wise 2.9948 442,38 zł 88.518,57 GH₵ −1.160,76 GH₵

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send 30.000 zł, after fees, as quoted by each company. The mid-market line shows what 30.000 zł 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 PLN 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 Poland.

Right now, Regency FX pays 89,437.20 GHS on 30,000 PLN, which is 242.13 GHS less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 89,997.70 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.

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 145 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. Regency FXAppeared in 30 comparisons

    Cheapest every time

  2. TapTap SendAppeared in 136 comparisons

    Cheapest in 55% of them

  3. WiseAppeared in 140 comparisons

    Cheapest in 2% of them

Based on 145 comparisons across 5 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 Regency FX is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

TapTap Send (today's second cheapest) was the cheapest in 55% of its comparisons, so if you send money to Ghana regularly, it's worth comparing it with Regency FX before each transfer.

Ways to send money from Poland to Ghana

5 companies send money from Poland to Ghana, across app, multi-currency account, global business account, currency broker, and online, and more.

Simplest way to send PLN

Money transfer apps

Most transfer apps let you fund transfers via Apple Pay, Google Pay, bank transfer and debit card.

TapTap Send charges 0 PLN on a zł30,000 transfer and delivers 88,800 GHS in minutes, straight to the recipient's bank card or account.

Over the past month, TapTap Send was the cheapest app on 96% of the days it appeared for zł30,000 transfers.

Mid-size and one-off transfers

Online transfers

Anyone who's done a bank transfer abroad from Poland knows the OUR, SHA, BEN question, who pays the correspondent banks along the way.

Online services like Wise move money inside their own network instead, which is much cheaper and gets you more GHS.

The cheapest way to send money online from Poland to Ghana is via Wise.

Sending 30,000 PLN gets you 88,518.57 GHS (after 442.38 fee and -0.18% markup).

In our comparisons over the past month, it was the cheapest online service on 28 of the 28 days it quoted.

Converting and spending

Multi-currency accounts

Multi-currency accounts let you hold PLN and GHS in one account.

This is useful for travelling to Ghana, getting paid in GHS, or pre-converting when PLN/GHS rate is good.

You can convert between them whenever you want, and once you have GHS there are no fees after.

The best multi-currency account for holding PLN and GHS is Wise.

For example, it converts zł30,000 at -0.18% markup and a small fee.

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

For freelancers and businesses

Global accounts

Global accounts are for Polish companies doing business abroad.

Companies like Wise Business, Revolut Business, or Airwallex handle recurring payments, invoicing, supplier payments, and more.

Ways to fund PLN and receive GHS in Ghana

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 30,000 PLN gives your recipient 89,437.20 GHS.

Deposit PLN through bank transfer and debit card.

They can receive GHS via bank deposit, mobile money, cash pickup, and TapTap Wallet.

Collect cash in Ghana

Cash pickup is also available through participating agent locations in Ghana.

  1. 1
    Bank transfer Bank deposit

    You pay zł30,000.00

    GH₵89,437

    Cheapest

  2. 2
    Debit card Mobile money

    You pay zł30,000.00

    GH₵88,800

    -GH₵637

  3. 3
    Debit card Bank deposit

    You pay zł30,000.00

    GH₵88,800

    -GH₵637

  4. 4
    Debit card Cash pickup

    You pay zł30,000.00

    GH₵88,800

    -GH₵637

  5. 5
    Debit card TapTap Wallet

    You pay zł30,000.00

    GH₵88,800

    -GH₵637

Consider this when sending PLN to Ghana

There are a few nuances when sending money from Poland to Ghana.

Compare PLN/GHS transfer options

For a 30,000 PLN transfer to Ghana, these are the cheapest, fastest and easiest options.

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 89,437.20 GHS, which is 0.71% 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 88,043.55 GHS, with the money arriving in within minutes.

BLIK funds PLN deposits only

Some money transfer companies accept BLIK as a deposit method, which then switches to an internal network of bank accounts.

BLIK by itself cannot move money outside the country.

Gifts can need Polish tax paperwork

Sending money abroad is not itself a Polish tax charge.

A gift can still fall under Polish gift-tax rules depending on the recipient's tax position.

The closest family group can qualify for a full exemption.

Where Polish rules apply, a cash gift may need to be reported on form SD-Z2 within six months and documented through a bank, payment account or postal transfer.

The Polish tax authority explains the exemption and current filing conditions.

BFG deposit protection

BFG deposit protection applies to eligible bank deposits.

A non-bank transfer company normally protects customer money through safeguarding instead, so avoid leaving a large account balance there after the transfer.

Check whether the company is authorised in Poland or passported from another EEA country through the KNF registers.

How we analyse the market

Every company here is KNF-registered or passported into Poland, and we check that before anything else.

We track 5 of them on PLN to Ghana in real time on live comparisons. Polish banks have caught up on rates, so we compare both rather than assuming the bank loses.

In the past 30 days alone, we analysed 145 comparisons across 5 amounts.

This page covers the cheapest and fastest options for PLN/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 goes through our review. More on who we are, why you can trust us and getting started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.