From 5 companies analysed, Regency FX is the cheapest way to send money to Ghana, giving your recipient 94 988,92 GHS when you send SEK 80 000.
Deposit with bank transfer and use bank deposit for withdrawal to get the most GHS.
| 5 of 5 providers Last updated on 10 November 2026 | |||
| Based on 80,000 SEK transfer Best companies for SEK/GHS transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee 1 006,37 kr 1 SEK = 1.1931 GHS -0.21% vs mid-market | Recipient gets 94 248,88 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 1 006,37 kr1 SEK = 1.1931 GHS 94 248,88 GH₵You pay80 000,00 kr | |||
| Promoted  Regency FX Pay via Bank transfer | Fee 0,00 kr 1 SEK = 1.1874 GHS +0.27% vs mid-market | Recipient gets 94 988,92 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 SEK = 1.1874 GHS 94 988,92 GH₵You pay80 000,00 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. | |||
| Exclusive: First Transfer Deal Regency FX Pay via Bank transfer | Fee 0,00 kr 1 SEK = 1.1874 GHS +0.27% vs mid-market | Recipient gets 94 988,92 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 SEK = 1.1874 GHS 94 988,92 GH₵You pay80 000,00 kr | |||
| Wise Pay via Bank transfer | Fee 1 006,37 kr 1 SEK = 1.1931 GHS -0.21% vs mid-market | Recipient gets 94 248,88 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 1 006,37 kr1 SEK = 1.1931 GHS 94 248,88 GH₵You pay80 000,00 kr | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee 30,00 kr 1 SEK = 1.1773 GHS +1.12% vs mid-market | Recipient gets 94 184,00 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 = 1.1773 GHS 94 184,00 GH₵You pay80 030,00 kr Bank depositMinutes - 24 hoursAvailable via:All Banks 30,00 kr1 SEK = 1.1758 GHS 94 064,00 GH₵You pay80 030,00 kr Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 1.1414 GHS 91 312,00 GH₵You pay80 040,00 kr Card depositMinutes - 24 hoursAvailable via:Bank Debit Card 1 600,00 kr1 SEK = 1.1294 GHS 90 352,00 GH₵You pay81 600,00 kr | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee 30,00 kr 1 SEK = 1.1773 GHS +1.12% vs mid-market | Recipient gets 94 184,00 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 = 1.1773 GHS 94 184,00 GH₵You pay80 030,00 kr Bank depositMinutes - 24 hoursAvailable via:All Banks 30,00 kr1 SEK = 1.1758 GHS 94 064,00 GH₵You pay80 030,00 kr Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 1.1414 GHS 91 312,00 GH₵You pay80 040,00 kr Card depositMinutes - 24 hoursAvailable via:Bank Debit Card 1 600,00 kr1 SEK = 1.1294 GHS 90 352,00 GH₵You pay81 600,00 kr | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee 30,00 kr 1 SEK = 1.1773 GHS +1.12% vs mid-market | Recipient gets 94 184,00 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 = 1.1773 GHS 94 184,00 GH₵You pay80 030,00 kr Bank depositMinutes - 24 hoursAvailable via:All Banks 30,00 kr1 SEK = 1.1758 GHS 94 064,00 GH₵You pay80 030,00 kr Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 1.1414 GHS 91 312,00 GH₵You pay80 040,00 kr | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee 820,00 kr 1 SEK = 1.1856 GHS +0.42% vs mid-market | Recipient gets 93 876,84 GH₵ Within minutes | |
Ways to receive money in Ghana with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes 820,00 kr1 SEK = 1.1856 GHS 93 876,84 GH₵You pay80 000,00 kr | |||
| 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. | |||
| Wise Pay via Debit card | Fee 1 855,51 kr 1 SEK = 1.1931 GHS -0.21% vs mid-market | Recipient gets 93 235,75 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 1 855,51 kr1 SEK = 1.1931 GHS 93 235,75 GH₵You pay80 000,00 kr | |||
| Wise Pay via Credit card | Fee 2 015,56 kr 1 SEK = 1.1931 GHS -0.21% vs mid-market | Recipient gets 93 044,80 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 2 015,56 kr1 SEK = 1.1931 GHS 93 044,80 GH₵You pay80 000,00 kr | |||
 TapTap Send Pay via Debit card | Fee 0,00 kr 1 SEK = 1.1500 GHS +3.47% vs mid-market | Recipient gets 92 000,00 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 SEK = 1.1500 GHS 92 000,00 GH₵You pay80 000,00 kr Bank depositMinutes Free1 SEK = 1.1500 GHS 92 000,00 GH₵You pay80 000,00 kr Cash pickupMinutesAvailable via:CBG Cash Pickup Free1 SEK = 1.1500 GHS 92 000,00 GH₵You pay80 000,00 kr TapTap WalletMinutesAvailable via:Wallet (GHS) Free1 SEK = 1.1500 GHS 92 000,00 GH₵You pay80 000,00 kr | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee 2 540,00 kr 1 SEK = 1.1856 GHS +0.42% vs mid-market | Recipient gets 91 837,59 GH₵ Within minutes | |
Ways to receive money in Ghana with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes 2 540,00 kr1 SEK = 1.1856 GHS 91 837,59 GH₵You pay80 000,00 kr | |||
| 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 SEK = 1.1906 GHS Updates every 60 minutes. | |||
Transfer details
For a one-off SEK transfer to Ghana, I suggest picking the cheapest option which is Regency FX.
Regency FX was the cheapest on 27 of the 28 days it quoted kr80 000 transfers to Ghana.
On a 80 000 SEK transfer, Regency FX 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 bank transfer, debit card, and credit card.
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 it's less common).
How much SEK 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 96% of the transfers from SEK 50,000 it quoted, and in 96% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| 5 000 kr | -1.63% | 0,00 kr | 6 056,99 GH₵with debit card to bank deposit | +160,80 GH₵ | |
| 10 000 kr | -0.38% | 59,00 kr | 11 880,21 GH₵with credit card to mobile wallet | +122,73 GH₵ | |
| 25 000 kr | 0.34% | 0,00 kr | 29 695,00 GH₵with debit card to bank deposit | +278,64 GH₵ | |
| 50 000 kr | 0.71% | 0,00 kr | 59 096,80 GH₵with debit card to bank deposit | +580,10 GH₵ | |
| 80 000 krThis page | 0.27% | 0,00 kr | 94 988,92 GH₵with bank transfer to bank deposit | +1 410,44 GH₵ |
Mid-market rate: 1 SEK = 1.1906 GHS
The cheapest way to send SEK 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 80 000 SEK transfers to Ghana.
Tue, 10 Nov 2026Mid-market rate95 246,08 GH₵ Regency FX 94 988,92 GH₵Regency FX94 988,92 GH₵Wise94 248,88 GH₵MoneyGram94 184,00 GH₵
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1755 | – | 94 041,12 GH₵ | |
| | 1.1723 | 0,00 kr | 93 787,21 GH₵ | −253,91 GH₵ |
| | 1.1614 | 30,00 kr | 92 912,00 GH₵ | −1 129,12 GH₵ |
| | 1.1815 | 1 425,49 kr | 92 833,43 GH₵ | −1 207,69 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1763 | – | 94 105,04 GH₵ | |
| | 1.1731 | 0,00 kr | 93 850,96 GH₵ | −254,08 GH₵ |
| | 1.1596 | 30,00 kr | 92 768,00 GH₵ | −1 337,04 GH₵ |
| | 1.1710 | 1 107,67 kr | 92 384,50 GH₵ | −1 720,54 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1713 | – | 93 706,88 GH₵ | |
| | 1.1682 | 0,00 kr | 93 453,87 GH₵ | −253,01 GH₵ |
| | 1.1589 | 30,00 kr | 92 712,00 GH₵ | −994,88 GH₵ |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1670 | – | 93 363,60 GH₵ | |
| | 1.1639 | 0,00 kr | 93 111,52 GH₵ | −252,08 GH₵ |
| | 1.1621 | 30,00 kr | 92 968,00 GH₵ | −395,60 GH₵ |
| | 1.1673 | 1 154,36 kr | 92 037,30 GH₵ | −1 326,30 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1731 | – | 93 848,96 GH₵ | |
| | 1.1699 | 0,00 kr | 93 595,57 GH₵ | −253,39 GH₵ |
| | 1.1726 | 1 092,11 kr | 92 526,60 GH₵ | −1 322,36 GH₵ |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1798 | – | 94 387,28 GH₵ | |
| | 1.1767 | 0,00 kr | 94 132,43 GH₵ | −254,85 GH₵ |
| | 1.1761 | 1 037,56 kr | 92 869,30 GH₵ | −1 517,98 GH₵ |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1798 | – | 94 387,28 GH₵ | |
| | 1.1767 | 0,00 kr | 94 132,43 GH₵ | −254,85 GH₵ |
| | 1.1664 | 30,00 kr | 93 312,00 GH₵ | −1 075,28 GH₵ |
| | 1.1761 | 1 037,56 kr | 92 869,30 GH₵ | −1 517,98 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1813 | – | 94 504,64 GH₵ | |
| | 1.1781 | 0,00 kr | 94 249,48 GH₵ | −255,16 GH₵ |
| | 1.1664 | 30,00 kr | 93 312,00 GH₵ | −1 192,64 GH₵ |
| | 1.1813 | 1 694,81 kr | 92 505,84 GH₵ | −1 998,80 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1806 | – | 94 446,00 GH₵ | |
| | 1.1774 | 0,00 kr | 94 191,00 GH₵ | −255,00 GH₵ |
| | 1.1680 | 30,00 kr | 93 440,00 GH₵ | −1 006,00 GH₵ |
| | 1.1784 | 1 154,36 kr | 92 910,13 GH₵ | −1 535,87 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1738 | – | 93 905,92 GH₵ | |
| | 1.1707 | 0,00 kr | 93 652,37 GH₵ | −253,55 GH₵ |
| | 1.1722 | 1 185,43 kr | 92 388,02 GH₵ | −1 517,90 GH₵ |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1795 | – | 94 362,48 GH₵ | |
| | 1.1763 | 0,00 kr | 94 107,70 GH₵ | −254,78 GH₵ |
| | 1.1757 | 1 099,89 kr | 92 763,65 GH₵ | −1 598,83 GH₵ |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1679 | – | 93 430,08 GH₵ | |
| | 1.1647 | 0,00 kr | 93 177,82 GH₵ | −252,26 GH₵ |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1666 | – | 93 328,96 GH₵ | |
| | 1.1635 | 0,00 kr | 93 076,97 GH₵ | −251,99 GH₵ |
| | 1.1611 | 30,00 kr | 92 888,00 GH₵ | −440,96 GH₵ |
| | 1.1702 | 1 045,36 kr | 92 391,14 GH₵ | −937,82 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1666 | – | 93 328,96 GH₵ | |
| | 1.1635 | 0,00 kr | 93 076,97 GH₵ | −251,99 GH₵ |
| | 1.1611 | 30,00 kr | 92 888,00 GH₵ | −440,96 GH₵ |
| | 1.1702 | 1 045,36 kr | 92 391,14 GH₵ | −937,82 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1649 | – | 93 194,56 GH₵ | |
| | 1.1618 | 0,00 kr | 92 942,93 GH₵ | −251,63 GH₵ |
| | 1.1611 | 30,00 kr | 92 888,00 GH₵ | −306,56 GH₵ |
| | 1.1720 | 1 433,22 kr | 92 076,34 GH₵ | −1 118,22 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1688 | – | 93 506,72 GH₵ | |
| | 1.1657 | 0,00 kr | 93 254,25 GH₵ | −252,47 GH₵ |
| | 1.1618 | 30,00 kr | 92 944,00 GH₵ | −562,72 GH₵ |
| | 1.1663 | 1 092,11 kr | 92 029,48 GH₵ | −1 477,24 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1718 | – | 93 747,52 GH₵ | |
| | 1.1687 | 0,00 kr | 93 494,40 GH₵ | −253,12 GH₵ |
| | 1.1594 | 30,00 kr | 92 752,00 GH₵ | −995,52 GH₵ |
| | 1.1692 | 990,74 kr | 92 376,84 GH₵ | −1 370,68 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1741 | – | 93 926,40 GH₵ | |
| | 1.1709 | 0,00 kr | 93 672,80 GH₵ | −253,60 GH₵ |
| | 1.1739 | 990,74 kr | 92 749,76 GH₵ | −1 176,64 GH₵ |
| | 1.1578 | 30,00 kr | 92 624,00 GH₵ | −1 302,40 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1848 | – | 94 786,00 GH₵ | |
| | 1.1816 | 0,00 kr | 94 530,08 GH₵ | −255,92 GH₵ |
| | 1.1839 | 904,78 kr | 93 643,99 GH₵ | −1 142,01 GH₵ |
| | 1.1645 | 30,00 kr | 93 160,00 GH₵ | −1 626,00 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1841 | – | 94 731,76 GH₵ | |
| | 1.1809 | 0,00 kr | 94 475,98 GH₵ | −255,78 GH₵ |
| | 1.1850 | 1 021,98 kr | 93 587,37 GH₵ | −1 144,39 GH₵ |
| | 1.1679 | 30,00 kr | 93 432,00 GH₵ | −1 299,76 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1841 | – | 94 731,76 GH₵ | |
| | 1.1809 | 0,00 kr | 94 475,98 GH₵ | −255,78 GH₵ |
| | 1.1850 | 1 021,98 kr | 93 587,37 GH₵ | −1 144,39 GH₵ |
| | 1.1679 | 30,00 kr | 93 432,00 GH₵ | −1 299,76 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1923 | – | 95 385,12 GH₵ | |
| | 1.1891 | 0,00 kr | 95 127,58 GH₵ | −257,54 GH₵ |
| | 1.1923 | 1 487,21 kr | 93 611,58 GH₵ | −1 773,54 GH₵ |
| | 1.1679 | 30,00 kr | 93 432,00 GH₵ | −1 953,12 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1900 | – | 95 202,64 GH₵ | |
 | 1.1997 | 0,00 kr | 95 976,24 GH₵ | +773,60 GH₵ |
| | 1.1851 | 30,00 kr | 94 808,00 GH₵ | −394,64 GH₵ |
| | 1.1883 | 943,89 kr | 93 944,75 GH₵ | −1 257,89 GH₵ |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1884 | – | 95 074,96 GH₵ | |
| | 1.1852 | 0,00 kr | 94 818,26 GH₵ | −256,70 GH₵ |
| | 1.1785 | 30,00 kr | 94 280,00 GH₵ | −794,96 GH₵ |
| | 1.1939 | 1 107,67 kr | 94 192,71 GH₵ | −882,25 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1995 | – | 95 962,96 GH₵ | |
| | 1.1963 | 0,00 kr | 95 703,86 GH₵ | −259,10 GH₵ |
| | 1.2028 | 943,89 kr | 95 091,06 GH₵ | −871,90 GH₵ |
| | 1.1835 | 30,00 kr | 94 680,00 GH₵ | −1 282,96 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1852 | – | 94 814,64 GH₵ | |
| | 1.1827 | 30,00 kr | 94 616,00 GH₵ | −198,64 GH₵ |
| | 1.1820 | 0,00 kr | 94 558,64 GH₵ | −256,00 GH₵ |
| | 1.1848 | 951,70 kr | 93 656,43 GH₵ | −1 158,21 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1810 | – | 94 477,04 GH₵ | |
| | 1.1778 | 0,00 kr | 94 221,95 GH₵ | −255,09 GH₵ |
| | 1.1699 | 30,00 kr | 93 592,00 GH₵ | −885,04 GH₵ |
| | 1.1795 | 1 107,67 kr | 93 055,08 GH₵ | −1 421,96 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1833 | – | 94 662,64 GH₵ | |
| | 1.1801 | 0,00 kr | 94 407,05 GH₵ | −255,59 GH₵ |
| | 1.1699 | 30,00 kr | 93 592,00 GH₵ | −1 070,64 GH₵ |
| | 1.1795 | 1 107,67 kr | 93 055,08 GH₵ | −1 607,56 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1873 | – | 94 982,40 GH₵ | |
| | 1.2018 | 0,00 kr | 96 142,16 GH₵ | +1 159,76 GH₵ |
| | 1.1699 | 30,00 kr | 93 592,00 GH₵ | −1 390,40 GH₵ |
| | 1.1863 | 1 278,53 kr | 93 386,49 GH₵ | −1 595,91 GH₵ |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.1906 | – | 95 246,08 GH₵ | |
| | 1.1874 | 0,00 kr | 94 988,92 GH₵ | −257,16 GH₵ |
| | 1.1931 | 1 006,37 kr | 94 248,88 GH₵ | −997,20 GH₵ |
| | 1.1773 | 30,00 kr | 94 184,00 GH₵ | −1 062,08 GH₵ |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 1.1906 | – | 95 246,08 GH₵ | |
|---|---|---|---|---|
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Each line shows what the recipient gets when you send 80 000 kr, after fees, as quoted by each company. The mid-market line shows what 80 000 kr 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 SEK than the mid-market rate can offer.
This could be due to money transfer offers, FX rate adjustments, or market competitiveness.
In the past month, a money transfer company beat the mid-market rate on 2 of the last 30 days.
Right now, Regency FX pays 94 988,92 GHS on 80 000 SEK, which is 257,16 GHS less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 96 142,16 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.
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.
Cheapest in 83% of them
Never the cheapest
Cheapest in 10% of them
Based on 35 comparisons across 5 amounts over the last 7 days.
Cheapest in 96% of them
Cheapest in 1% of them
Cheapest in 14% of them
Based on 145 comparisons across 5 amounts over the last 30 days.
Cheapest in 99% of them
Cheapest in 1% of them
Cheapest in 12% of them
Based on 205 comparisons across 5 amounts over the last 90 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.
Wise (today's second cheapest) was the cheapest in only 1% of its comparisons, so it's rarely the cheapest option for transfers to Ghana.
5 companies send money from Sweden to Ghana, mostly through app, online, multi-currency account, global business account, currency broker, and in person, and a few more ways.
Medium-sized transfers
For a one-off transfer to Ghana, an online service like Wise is usually the simplest place to start.
Wise charges kr1 006,37 to send 80 000 SEK, leaving your recipient with 94 248,88 GHS after a -0,21% markup on SEK/GHS exchange rate.
In our comparisons over the past month, it was the cheapest online service on 11 of the 28 days it quoted.
Regular SEK transfers
For smaller regular transfers, apps are the most convenient and easiest way to send money to Ghana.
Wise charges kr1 006,37 on a 80 000 SEK transfer and money will arrive in same day.
Over the past month, Wise was the cheapest app on 39% of the days it appeared for kr80 000 transfers.
Your 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 driver's 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 -0,21% exchange-rate markup and holds the GHS in your account.
Over the past month, it came out cheapest among multi-currency accounts on 96% of days.
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 Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 80 000 SEK gives your recipient 94 988,92 GHS.
From Sweden, you can fund the transfer by bank transfer, debit card, and credit card, 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 MoneyGram agent in Ghana.
Swish is useful for payments within Sweden, but it does not send GHS to Ghana.
You pay kr80,000.00
GH₵94,989
Cheapest
You pay kr80,030.00
GH₵94,184
-GH₵805
You pay kr80,030.00
GH₵94,184
-GH₵805
You pay kr80,030.00
GH₵94,184
-GH₵805
You pay kr80,030.00
GH₵94,064
-GH₵925
You pay kr80,030.00
GH₵94,064
-GH₵925
You pay kr80,000.00
GH₵92,000
-GH₵2,989
You pay kr80,000.00
GH₵92,000
-GH₵2,989
You pay kr80,000.00
GH₵92,000
-GH₵2,989
You pay kr80,040.00
GH₵91,312
-GH₵3,677
You pay kr80,040.00
GH₵91,312
-GH₵3,677
You pay kr81,600.00
GH₵90,352
-GH₵4,637
You pay kr81,600.00
GH₵90,352
-GH₵4,637
Swedish banks are safe but often expensive for foreign payments. Compare money transfer companies available to get the most GHS from Sweden.
Cheapest way to send money to Ghana
The cheapest option for an SEK 80 000 transfer is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 94 988,92 GHS, which is 0,78% more than the next best option.
Fastest way to send money to Ghana
With Revolut, a bank transfer deposit and bank deposit payout delivers 93 876,84 GHS in within 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.
We track 5 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.
In the past 30 days alone, we analysed 145 comparisons across 5 amounts.
This page covers the cheapest and fastest options for SEK/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.
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