We’ve analysed and compared 5 money transfer companies below for PLN/GHS transfers.
| 5 of 5 providers Last updated on 27 September 2026 | |||
| Based on 30,000 PLN transfer Best companies for PLN/GHS transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee 517,92 zł 1 PLN = 3.0305 GHS -0.10% vs mid-market | Recipient gets 89.345,15 GH₵ Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer 517,92 zł1 PLN = 3.0305 GHS 89.345,15 GH₵You pay30.000,00 zł | |||
| Promoted  Regency FX Pay via Bank transfer | Fee 0,00 zł 1 PLN = 3.0194 GHS +0.27% vs mid-market | Recipient gets 90.580,67 GH₵ 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 PLN = 3.0194 GHS 90.580,67 GH₵You pay30.000,00 zł | |||
Run a live search Showing top Poland to Ghana deals for 30,000 PLN. 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 PLN 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 PLN you're planning to spend in Ghana. | |||
Run a live search These are managed services with real human support for large PLN 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 zł 1 PLN = 3.0194 GHS +0.27% vs mid-market | Recipient gets 90.580,67 GH₵ 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 PLN = 3.0194 GHS 90.580,67 GH₵You pay30.000,00 zł | |||
 TapTap Send Pay via Debit card | Fee 0,00 zł 1 PLN = 3.0000 GHS +0.91% vs mid-market | Recipient gets 90.000,00 GH₵ 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 PLN = 3.0000 GHS 90.000,00 GH₵You pay30.000,00 zł Bank depositMinutes Free1 PLN = 3.0000 GHS 90.000,00 GH₵You pay30.000,00 zł Cash pickupMinutesAvailable via:CBG Cash Pickup Free1 PLN = 3.0000 GHS 90.000,00 GH₵You pay30.000,00 zł TapTap WalletMinutesAvailable via:Wallet (GHS) Free1 PLN = 3.0000 GHS 90.000,00 GH₵You pay30.000,00 zł | |||
| Wise Pay via Bank transfer | Fee 517,92 zł 1 PLN = 3.0305 GHS -0.10% vs mid-market | Recipient gets 89.345,15 GH₵ Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer 517,92 zł1 PLN = 3.0305 GHS 89.345,15 GH₵You pay30.000,00 zł | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee 4,00 zł 1 PLN = 2.9758 GHS +1.72% vs mid-market | Recipient gets 89.262,10 GH₵ Minutes - 2 days | |
Ways to receive money in Ghana with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 2 days 4,00 zł1 PLN = 2.9758 GHS 89.262,10 GH₵You pay30.000,00 zł Bank depositMinutes - 2 days 4,00 zł1 PLN = 2.9758 GHS 89.262,10 GH₵You pay30.000,00 zł | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee 700,00 zł 1 PLN = 3.0027 GHS +0.82% vs mid-market | Recipient gets 87.978,22 GH₵ Within minutes | |
Ways to receive money in Ghana with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes 700,00 zł1 PLN = 3.0027 GHS 87.978,22 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 1.240,00 zł 1 PLN = 3.0027 GHS +0.82% vs mid-market | Recipient gets 86.356,77 GH₵ Within minutes | |
Ways to receive money in Ghana with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes 1.240,00 zł1 PLN = 3.0027 GHS 86.356,77 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 = 3.0275 GHS Updates every 60 minutes. | |||
Transfer details
Start with the cheapest option, which is Regency FX. It will get you the most GHS on a PLN 30,000 transfer.
This heavily depends on how much you send, so I suggest to get the best PLN/GHS rate.
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.
Before you send, you'll need to verify your account.
You'll need a photo ID and your PESEL.
5 companies send money from Poland to Ghana, across app, multi-currency account, global account, broker, and online, and more.
Simplest way to send PLN
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 90,000 GHS in minutes, straight to the recipient's bank card or account.
Mid-size and one-off 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 89,345.15 GHS (after 517.92 fee and -0.1% markup).
Converting and spending
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 -0.1% markup and small fee.
For freelancers and businesses
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.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 30,000 PLN gives your recipient 90,580.67 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.
You pay zł30,000.00
GH₵90,581
Cheapest
You pay zł30,000.00
GH₵90,000
-GH₵581
You pay zł30,000.00
GH₵90,000
-GH₵581
You pay zł30,000.00
GH₵90,000
-GH₵581
You pay zł30,000.00
GH₵90,000
-GH₵581
There are a few nuances when sending money from Poland to Ghana.
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 90,580.67 GHS, which is 0.64% 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 87,978.22 GHS, with the money arriving in within minutes.
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.
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 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.
A small change in the PLN/GHS rate can make a difference to the amount received, especially on regular transfers to Ghana.
Mid-market rate:1 PLN = 3.030807 GHS
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.
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.
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