From 4 companies analysed, Regency FX is the cheapest way to send money to Ghana, giving your recipient 95,132.13 GHS when you send SEK 80,000.
Deposit with bank transfer and use bank deposit for withdrawal to get the most GHS.
| 4 of 4 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze SEK/GHS exchange rates from our comparisons. | |||
| Based on 80,000 SEK transfer Best companies for SEK/GHS transfersAll money transfer offers for SEK/GHS transfers, sorted by most GHS received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee 936,06 kr 1 SEK = 1.1916 GHS +0.06% vs mid-market | Recipient gets 94 215,75 GH₵ Same day | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer 936,06 kr1 SEK = 1.1916 GHS 94 215,75 GH₵You pay80 000,00 kr | |||
| Promoted  Regency FX Pay via Bank transfer | Fee 0,00 kr 1 SEK = 1.1892 GHS +0.27% vs mid-market | Recipient gets 95 132,13 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 = 1.1892 GHS 95 132,13 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 = 1.1892 GHS +0.27% vs mid-market | Recipient gets 95 132,13 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 = 1.1892 GHS 95 132,13 GH₵You pay80 000,00 kr | |||
| Wise Pay via Bank transfer | Fee 936,06 kr 1 SEK = 1.1916 GHS +0.06% vs mid-market | Recipient gets 94 215,75 GH₵ Same day | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer 936,06 kr1 SEK = 1.1916 GHS 94 215,75 GH₵You pay80 000,00 kr | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee 820,00 kr 1 SEK = 1.1799 GHS +1.05% vs mid-market | Recipient gets 93 423,58 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 = 1.1799 GHS 93 423,58 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 1 786,72 kr 1 SEK = 1.1916 GHS +0.06% vs mid-market | Recipient gets 93 202,07 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 1 786,72 kr1 SEK = 1.1916 GHS 93 202,07 GH₵You pay80 000,00 kr | |||
| Wise Pay via Credit card | Fee 1 947,04 kr 1 SEK = 1.1916 GHS +0.06% vs mid-market | Recipient gets 93 011,03 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 1 947,04 kr1 SEK = 1.1916 GHS 93 011,03 GH₵You pay80 000,00 kr | |||
 TapTap Send Pay via Debit card | Fee 0,00 kr 1 SEK = 1.1500 GHS +3.62% 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 = 1.1799 GHS +1.05% vs mid-market | Recipient gets 91 394,17 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 = 1.1799 GHS 91 394,17 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 = 1.192371 GHS Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to Ghana, I suggest picking the cheapest option which is Regency FX.
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 its less common).
4 companies send money from Sweden to Ghana, mostly through app, multi-currency account, global account, broker, and online, 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 kr936.06 to send 80,000 SEK, leaving your recipient with 94,215.75 after a 0.06% 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.
Wise charges kr936.06 on a 80,000 SEK transfer and money will arrive in same day.
You recipient can withdraw via bank deposit, mobile money, cash pickup, and taptap wallet.
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 0.06% 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 Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 80,000 SEK gives your recipient 95,132.13 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, mobile money, cash pickup, and taptap wallet.
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 agent in Ghana.
Swish is useful for payments within Sweden, but it does not send GHS to Ghana.
You pay kr80,000.00
GH₵95,132
Cheapest
You pay kr80,000.00
GH₵93,202
-GH₵1,930
You pay kr80,000.00
GH₵93,011
-GH₵2,121
You pay kr80,000.00
GH₵92,000
-GH₵3,132
You pay kr80,000.00
GH₵92,000
-GH₵3,132
You pay kr80,000.00
GH₵92,000
-GH₵3,132
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 95,132.13 is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 95,132.13 GHS, which is 0.96% more than the next best option.
Fastest way to send money to Ghana
With Revolut, a bank transfer deposit and bank deposit payout delivers 93,423.58 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.
The final rate controls how much GHS you get for your SEK, so compare it alongside the transfer fee.
Mid-market rate:1 SEK = 1.190003 GHS
We track 4 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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