From 7 companies analysed, Paysend is the cheapest way to send money to Ghana, giving your recipient 94,917.29 GHS when you send SEK 80,000.
Deposit with debit card and use bank deposit for withdrawal to get the most GHS.
| 7 of 7 providers Last updated on 28 September 2026 | |||
| Based on 80,000 SEK transfer Best companies for SEK/GHS transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee 1 270,80 kr 1 SEK = 1.1721 GHS -0.20% vs mid-market | Recipient gets 92 274,56 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 1 270,80 kr1 SEK = 1.1721 GHS 92 274,56 GH₵You pay80 000,00 kr | |||
| Promoted  MoneyGram Pay via Debit card | Fee 30,00 kr 1 SEK = 1.1554 GHS +1.23% vs mid-market | Recipient gets 92 432,00 GH₵ Minutes - 24 hours | |
Ways to receive money in Ghana with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets 30,00 kr1 SEK = 1.1554 GHS 92 432,00 GH₵You pay80 030,00 kr Bank depositMinutes - 24 hoursAvailable via:All Banks 30,00 kr1 SEK = 1.1544 GHS 92 352,00 GH₵You pay80 030,00 kr Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 1.1242 GHS 89 936,00 GH₵You pay80 040,00 kr Card depositMinutes - 24 hoursAvailable via:Bank Debit Card 1 600,00 kr1 SEK = 1.1123 GHS 88 984,00 GH₵You pay81 600,00 kr | |||
Run a live search Showing top Sweden to Ghana deals for 80,000 SEK. 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 SEK 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 SEK you're planning to spend in Ghana. | |||
Run a live search These are managed services with real human support for large SEK transfers. Click the link and update the transfer amount to get the best deal. | |||
 Paysend Pay via Debit card | Fee 0,00 kr 1 SEK = 1.1865 GHS -1.42% vs mid-market | Recipient gets 94 917,29 GH₵ Minutes - 24 hours | |
Ways to receive money in Ghana with Paysend when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 1.1865 GHS 94 917,29 GH₵You pay80 000,00 kr | |||
| Paysend Pay via Credit card | Fee 0,00 kr 1 SEK = 1.1865 GHS -1.42% vs mid-market | Recipient gets 94 917,29 GH₵ Minutes - 24 hours | |
Ways to receive money in Ghana with Paysend when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 1.1865 GHS 94 917,29 GH₵You pay80 000,00 kr | |||
 Ria Money Transfer Pay via Credit card | Fee 59,00 kr 1 SEK = 1.1791 GHS -0.79% vs mid-market | Recipient gets 94 254,92 GH₵ Minutes - 24 hours | |
Ways to receive money in Ghana with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hours 59,00 kr1 SEK = 1.1791 GHS 94 254,92 GH₵You pay80 000,00 kr Bank depositMinutes - 24 hours 59,00 kr1 SEK = 1.1482 GHS 91 786,98 GH₵You pay80 000,00 kr Cash pickupMinutes - 24 hours 59,00 kr1 SEK = 1.1482 GHS 91 786,98 GH₵You pay80 000,00 kr | |||
| Ria Money Transfer Pay via Debit card | Fee 59,00 kr 1 SEK = 1.1791 GHS -0.79% vs mid-market | Recipient gets 94 254,92 GH₵ Minutes - 24 hours | |
Ways to receive money in Ghana with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hours 59,00 kr1 SEK = 1.1791 GHS 94 254,92 GH₵You pay80 000,00 kr Bank depositMinutes - 24 hours 59,00 kr1 SEK = 1.1482 GHS 91 786,98 GH₵You pay80 000,00 kr Cash pickupMinutes - 24 hours 59,00 kr1 SEK = 1.1482 GHS 91 786,98 GH₵You pay80 000,00 kr | |||
 Western Union Pay via Debit card | Fee 0,00 kr 1 SEK = 1.1626 GHS +0.61% vs mid-market | Recipient gets 93 006,78 GH₵ Minutes - 2 days | |
Ways to receive money in Ghana with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 SEK = 1.1626 GHS 93 006,78 GH₵You pay80 000,00 kr | |||
| Western Union Pay via Bank transfer | Fee 0,00 kr 1 SEK = 1.1626 GHS +0.61% vs mid-market | Recipient gets 93 006,78 GH₵ Minutes - 2 days | |
Ways to receive money in Ghana with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 SEK = 1.1626 GHS 93 006,78 GH₵You pay80 000,00 kr | |||
 Remitly Pay via Debit card | Fee 0,00 kr 1 SEK = 1.1619 GHS +0.67% vs mid-market | Recipient gets 92 952,00 GH₵ Minutes - 3 days | |
Ways to receive money in Ghana with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 SEK = 1.1619 GHS 92 952,00 GH₵You pay79 950,00 kr | |||
| Remitly Pay via Credit card | Fee 0,00 kr 1 SEK = 1.1619 GHS +0.67% vs mid-market | Recipient gets 92 952,00 GH₵ Minutes - 3 days | |
Ways to receive money in Ghana with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 SEK = 1.1619 GHS 92 952,00 GH₵You pay79 950,00 kr | |||
| $0 fee on first online transfers MoneyGram Pay via Debit card | Fee 30,00 kr 1 SEK = 1.1554 GHS +1.23% vs mid-market | Recipient gets 92 432,00 GH₵ Minutes - 24 hours | |
Ways to receive money in Ghana with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets 30,00 kr1 SEK = 1.1554 GHS 92 432,00 GH₵You pay80 030,00 kr Bank depositMinutes - 24 hoursAvailable via:All Banks 30,00 kr1 SEK = 1.1544 GHS 92 352,00 GH₵You pay80 030,00 kr Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 1.1242 GHS 89 936,00 GH₵You pay80 040,00 kr Card depositMinutes - 24 hoursAvailable via:Bank Debit Card 1 600,00 kr1 SEK = 1.1123 GHS 88 984,00 GH₵You pay81 600,00 kr | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee 30,00 kr 1 SEK = 1.1554 GHS +1.23% vs mid-market | Recipient gets 92 432,00 GH₵ Minutes - 24 hours | |
Ways to receive money in Ghana with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets 30,00 kr1 SEK = 1.1554 GHS 92 432,00 GH₵You pay80 030,00 kr Bank depositMinutes - 24 hoursAvailable via:All Banks 30,00 kr1 SEK = 1.1544 GHS 92 352,00 GH₵You pay80 030,00 kr Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 1.1242 GHS 89 936,00 GH₵You pay80 040,00 kr Card depositMinutes - 24 hoursAvailable via:Bank Debit Card 1 600,00 kr1 SEK = 1.1123 GHS 88 984,00 GH₵You pay81 600,00 kr | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee 30,00 kr 1 SEK = 1.1554 GHS +1.23% vs mid-market | Recipient gets 92 432,00 GH₵ Minutes - 24 hours | |
Ways to receive money in Ghana with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets 30,00 kr1 SEK = 1.1554 GHS 92 432,00 GH₵You pay80 030,00 kr Bank depositMinutes - 24 hoursAvailable via:All Banks 30,00 kr1 SEK = 1.1544 GHS 92 352,00 GH₵You pay80 030,00 kr Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 1.1242 GHS 89 936,00 GH₵You pay80 040,00 kr | |||
| Wise Pay via Bank transfer | Fee 1 270,80 kr 1 SEK = 1.1721 GHS -0.20% vs mid-market | Recipient gets 92 274,56 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 1 270,80 kr1 SEK = 1.1721 GHS 92 274,56 GH₵You pay80 000,00 kr | |||
| Wise Pay via Debit card | Fee 2 114,29 kr 1 SEK = 1.1721 GHS -0.20% vs mid-market | Recipient gets 91 285,95 GH₵ Within minutes | |
Ways to receive money in Ghana with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer 2 114,29 kr1 SEK = 1.1721 GHS 91 285,95 GH₵You pay80 000,00 kr | |||
| Wise Pay via Credit card | Fee 2 273,27 kr 1 SEK = 1.1721 GHS -0.20% vs mid-market | Recipient gets 91 099,61 GH₵ Within minutes | |
Ways to receive money in Ghana with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer 2 273,27 kr1 SEK = 1.1721 GHS 91 099,61 GH₵You pay80 000,00 kr | |||
 TapTap Send Pay via Debit card | Fee 0,00 kr 1 SEK = 1.1300 GHS +3.46% vs mid-market | Recipient gets 90 400,00 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 SEK = 1.1300 GHS 90 400,00 GH₵You pay80 000,00 kr Bank depositMinutes Free1 SEK = 1.1300 GHS 90 400,00 GH₵You pay80 000,00 kr Cash pickupMinutesAvailable via:CBG Cash Pickup Free1 SEK = 1.1300 GHS 90 400,00 GH₵You pay80 000,00 kr TapTap WalletMinutesAvailable via:Wallet (GHS) Free1 SEK = 1.1300 GHS 90 400,00 GH₵You pay80 000,00 kr | |||
| How Our Results Work Mid-market rate: 1 SEK = 1.1697 GHS Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to Ghana, I suggest picking the cheapest option which is Paysend.
On a 80,000 SEK transfer, Paysend delivers the most GHS.
The best option will change depending on how much you actually send, so I suggest to get the best SEK/GHS rate.
You can pay for the transfer using debit card, credit card, and bank transfer.
A transfer from your Swedish bank is usually the easiest way to fund the transfer.
Before you can send money to Ghana, you'll need to verify your account.
Most companies do it with BankID.
If you can't get BankID yet, some companies will take a passport instead (but its less common).
7 companies send money from Sweden to Ghana, mostly through app, online, in person, SNPL, digital wallet, multi-currency account, and global account, and a few more ways.
Medium-sized transfers
For a one-off transfer to Ghana, an online service like Paysend is usually the simplest place to start.
Paysend charges kr0 to send 80,000 SEK, leaving your recipient with 94,917.29 after a -1.42% markup on SEK/GHS exchange rate.
Regular SEK transfers
For smaller regular transfers, apps are the most convenient and easiest way to send money to Ghana.
Paysend charges kr0 on a 80,000 SEK transfer and money will arrive in minutes - 24 hours.
You recipient can withdraw via bank deposit, cash pickup, mobile wallet, mobile money, taptap wallet, and card deposit.
In many cases you will need a BankID to verify your account, but a few will do with a passport or drivers licence.
Spending and travelling
A multi-currency account makes sense if you regularly need GHS.
You can convert your kronor in advance and use the balance when needed without extra fees.
Wise converts SEK 80,000 with a -0.2% exchange-rate markup and holds the GHS in your account.
Paying from business accounts
If your business receives and sends money in Ghana, a global account keeps the GHS in one place.
You can pay invoices from the balance and convert when needed.
WorldFirst and Airwallex are good options to try.
With Paysend, paying by debit card and receiving through bank deposit is the cheapest combination. Sending 80,000 SEK gives your recipient 94,917.29 GHS.
From Sweden, you can fund the transfer by debit card, credit card, and bank transfer, and in Ghana, the recipient can use bank deposit, cash pickup, mobile wallet, mobile money, taptap wallet, and card deposit.
Paying from your Swedish bank account
Send SEK using the account and reference shown by the money transfer company.
You may need to use BankID to approve and verify the payment.
They can receive money to their mobile money wallet.
Enter the mobile number in Ghana and choose the correct network.
The registered name should match the transfer details.
Use our payout filters above to find the best company offering mobile money as payout.
For cash pickup, they can collect GHS from a nearby Ria Money Transfer agent in Ghana.
Swish is useful for payments within Sweden, but it does not send GHS to Ghana.
You pay kr80,000.00
GH₵94,917
Cheapest
You pay kr80,000.00
GH₵94,917
GH₵0
You pay kr80,000.00
GH₵94,255
-GH₵662
You pay kr80,000.00
GH₵94,255
-GH₵662
You pay kr80,000.00
GH₵93,007
-GH₵1,911
You pay kr80,030.00
GH₵92,432
-GH₵2,485
You pay kr80,000.00
GH₵91,787
-GH₵3,130
You pay kr80,000.00
GH₵91,787
-GH₵3,130
You pay kr80,000.00
GH₵90,400
-GH₵4,517
You pay kr80,000.00
GH₵90,400
-GH₵4,517
You pay kr80,040.00
GH₵89,936
-GH₵4,981
You pay kr81,600.00
GH₵88,984
-GH₵5,933
You pay kr81,600.00
GH₵88,984
-GH₵5,933
Swedish banks are safe but often expensive for foreign payments. Compare money transfer companies available to get the most of GHS from Sweden.
Cheapest way to send money to Ghana
The cheapest option for GHS 94,917.29 is Paysend. Pay by debit card and choose bank deposit for the payout. Your recipient gets 94,917.29 GHS, which is 0.7% more than the next best option.
Fastest way to send money to Ghana
With TapTap Send, a debit card deposit and mobile money payout delivers 90,400 GHS in minutes.
Swish moves money between participating Swedish accounts, it cannot send SEK to Ghana.
You may still use a Swedish bank transfer to pay for the transfer online, but beyond that, the company will move SEK to Ghana over local rails or SWIFT.
A bank can ask for the purpose and source of a large or unusual payment.
Property sales, inheritances and transfers between your own accounts are easier to clear when the documents match the description you gave the bank.
Tell your bank before a time-sensitive payment and keep the sale contract, estate document or account statement ready.
And do not split one large payment into many small ones, since it can trigger more questions.
Sweden has no gift or inheritance tax, so sending a cash gift does not create a Swedish gift-tax return.
Ghana may have their own rules on receiving monetary gifts.
The final rate controls how much GHS you get for your SEK, so compare it alongside the transfer fee.
Mid-market rate:1 SEK = 1.169714 GHS
We track 7 companies sending SEK to Ghana, all registered with Finansinspektionen or passported in, with rates refreshed in real time on live searches.
The krona floats, so we compare on what actually arrives, alongside fees and the ways to pay and collect.
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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