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

An exchange rate determines the price you will pay when buying Ghan Cedi. A better exchange rate means more money sent from Poland to Ghana.

The current rate between the Zloty and Ghan Cedi is 2.9877, and it changes almost constantly.

Ensuring a strong combination of fees and exchange rates ensures the best deal on money transfers from Poland to Ghana.

• The Mid-Market and Exchange Rates: Finding a provider as close to mid-market rate as possible will ensure more Ghan Cedi for your Zloty. The current PLN-GHS mid-market rate is 2.9877 GHS per Zloty.

• Fees: Money transfer fees are charged on top the exchange rate and can be set, or a percentage of the total amount of Zloty you’re sending to Ghana. Paysend currently is the cheapest option for transfers into GHS costing 0 PLN per transfer. We always recommend searching for your exact send amount for an exact fee.

• Amount Received: The amount received in Ghan Cedi is the biggest indicator of the total cost of sending money to Ghana from Poland. The bigger the amount received in Ghana, the lower the overall cost of sending from Poland.

Understanding the averages, and then waiting a day or two can help you get more GHS for the same amount of Zloty.

A better option is to use a forward contract that also allows you to lock in an agreed exchange rate between Poland and Ghana.

A bank transfer is the payment method that will get you the best price on a transfer from Poland to Ghana.

Here are all the ways to send money from Poland to Ghana:

Bank transfers

Bank transfers are often fastest, cheapest and best way to send money from Poland to Ghana.

Using a money transfer company such as WorldRemit for transfers from Poland to Ghana, will mean being able to send money via a bank transfer while benefiting from lower fees and more favorable exchange rates. 


Debit and prepaid cards

Sending money from Poland to Ghana with a debit card or a prepaid card is very simple with Revolut.


Revolut is the cheapest option for sending money with a debit card between Poland and Ghana. This is of the 5 money transfer companies offering debit card payments on this route.

Credit cards

When it comes to credit card transfers from Poland to Ghana, we recommend comparing your options to get the best deal.

and have different regulations and ensuring you fully understand these regulations will aid in keeping your money safe.

Our directory of worldwide financial regulators contains details on regulation for money transfers between Poland and Ghana

Some companies offering money transfers between Poland and Ghana have minimum or maximum thresholds on how much you can send or receive.

Rates and fees for different transfer amounts could change - that’s why it’s best to compare PLN-GHS rates for your specific transfer amount. For regular transfers to Ghana, shopping around each time can make a huge difference.

For sending large amounts of PLN to Ghana, we’d recommend Wise. They offer a solid combination of rates and fees when sending from Poland to Ghana that is the most competitive, even at larger amounts.

There are different options for receiving Ghan Cedi in Ghana. The most popular are direct bank deposit, cash pickup, a mobile wallet or receiving money into a multi-currency account. Not all providers offering transfers from Poland to Ghana will offer every method for incoming Ghan Cedi, so it’s best to check ahead of time.

Sending directly to a bank account is one of the most common ways to send money from Poland to Ghana. For most part, this is because it means the recipient has to do very little.

Wise is the best company for bank transfers between Poland and Ghana.

Mobile wallet or P2P services and payment apps like PayPal, Xoom, and CashApp are popular because of convenience, but they come with more limitations and higher costs compared to money transfer providers like Paysend.

When sending Zloty to Ghana, through a money transfer company, you will need to verify your ID at the sign up stage.

The documents you need will vary and in some cases you might need a couple of options.

For the most part, ID can be verified in Poland through a government issued ID such as a passport or driver's license. If the recipient needs an ID to collect money in Ghana it will be similar.

Large transactions between Poland and Ghana, can be subject to additional checks such as proof of funds for anti-money laundering purposes.

One of the reasons Wise has scored so highly for transfers to Ghana is their easy sign up process in Poland.

As well as proof of funds, when sending large amounts of money between Poland and Ghana.

Some transfers into Ghan Cedi may need to be reported to tax authorities in Ghana as well, particularly where inheritance or property purchases are involved.

Tax limits and personal allowances will change in Ghana based on age, income and a few other elements. When in doubt, please contact a tax professional in Poland or Ghana to discuss your personal circumstances to ensure you are not missing any specific tax declarations.