Revolut is the fastest way to send money to Ghana from Singapore right now, with delivery in within minutes. Regency FX is cheapest overall, paying out 90,695.3 GHS for a $10,000 transfer.
| 3 of 3 providers Last updated on 28 September 2026 | |||
| Based on 10,000 SGD transfer Best companies for SGD/GHS transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee $139.25 1 SGD = 9.1127 GHS -0.20% vs mid-market | Recipient gets GH₵89,857.76 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $139.251 SGD = 9.1127 GHS GH₵89,857.76You pay$10,000.00 | |||
| Promoted  Regency FX Pay via Bank transfer | Fee $0.00 1 SGD = 9.0695 GHS +0.27% vs mid-market | Recipient gets GH₵90,695.30 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 SGD = 9.0695 GHS GH₵90,695.30You pay$10,000.00 | |||
Run a live search Showing top Singapore to Ghana deals for 10,000 SGD. 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 SGD 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 SGD you're planning to spend in Ghana. | |||
Run a live search These are managed services with real human support for large SGD 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 1 SGD = 9.0695 GHS +0.27% vs mid-market | Recipient gets GH₵90,695.30 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 SGD = 9.0695 GHS GH₵90,695.30You pay$10,000.00 | |||
| Wise Pay via Bank transfer | Fee $139.25 1 SGD = 9.1127 GHS -0.20% vs mid-market | Recipient gets GH₵89,857.76 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $139.251 SGD = 9.1127 GHS GH₵89,857.76You pay$10,000.00 | |||
| Wise Pay via PayNow | Fee $139.25 1 SGD = 9.1127 GHS -0.20% vs mid-market | Recipient gets GH₵89,857.76 Within minutes | |
Ways to receive money in Ghana with Wise when paying by paynow. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $139.251 SGD = 9.1127 GHS GH₵89,857.76You pay$10,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee $65.00 1 SGD = 9.0362 GHS +0.64% vs mid-market | Recipient gets GH₵89,774.81 Within minutes | |
Ways to receive money in Ghana with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $65.001 SGD = 9.0362 GHS GH₵89,774.81You pay$10,000.00 | |||
| 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 $131.75 1 SGD = 9.0362 GHS +0.64% vs mid-market | Recipient gets GH₵89,171.64 Within minutes | |
Ways to receive money in Ghana with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes $131.751 SGD = 9.0362 GHS GH₵89,171.64You pay$10,000.00 | |||
| 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 $585.86 1 SGD = 9.1127 GHS -0.20% vs mid-market | Recipient gets GH₵85,787.95 Within minutes | |
Ways to receive money in Ghana with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $585.861 SGD = 9.1127 GHS GH₵85,787.95You pay$10,000.00 | |||
| How Our Results Work Mid-market rate: 1 SGD = 9.0941 GHS Updates every 60 minutes. | |||
Transfer details
I suggest starting with Regency FX which is the cheapest option for sending $10,000.
There are 3 methods to fund the transfer form Singapore, including bank transfer, debit card, and paynow.
Where possible, use PayNow to fund your account, it is usually free and takes seconds.
Before you can send money to Ghana, you'll need to verify your account using Singpass, or a passport and pass if you're not a resident.
How much SGD 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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $1,000 | 0.32% | $0.00 | GH₵9,064.10with debit card to bank deposit | +GH₵140.06 | |
| $10,000This page | 0.27% | $0.00 | GH₵90,695.30with bank transfer to bank deposit | +GH₵1,504.43 |
Mid-market rate: 1 SGD = 9.0941 GHS
There are 5 ways to send money to Ghana across 3 money transfer companies.
Cheapest way to send money
Sending GHS from Singapore with a specialist like Wise is quick, easy, and cheap.
You sign up online or through the app, verify account details, enter the amount, fund your transfer, and click send.
Wise charges $139.25 to send $10,000, delivering 89,857.76 GHS after a -0.2% markup and 139.25 SGD fee.
Large transfers from Singapore
Brokers are the best for large SGD transfers to Ghana.
A currency broker can quote a lower margin on a large SGD to GHS transfers and help with the paperwork and the entire process.
For example, Regency FX charges an exchange-rate markup of around 0.27% and no fees.
Large transfers may be held briefly for Singapore’s anti-scam checks, so if your transfer is time sensitive, start the process a bit earlier.
Regular spending abroad
A multi-currency account like Wise lets you convert SGD to GHS before travelling or paying your own bills overseas.
And you can hold both currencies in one account.
Wise will get you 89,857.76 GHS after fees when converting 10,000 SGD.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $10,000 gives your recipient 90,695.3 GHS.
Pay in SGD through bank transfer, debit card, and paynow.
Funding the transfer with PayNow
This is the quickest and simplest way to pay for your transfer to Ghana from Singapore.
Scan the company's PayNow QR code or use its registered identifier.
In Ghana, they can receive GHS using bank deposit.
You pay $10,000.00
GH₵90,695
Cheapest
You pay $10,000.00
GH₵89,858
-GH₵838
You pay $10,000.00
GH₵89,172
-GH₵1,524
Consider these things before sending money from Singapore to Ghana.
For a $10,000 transfer to Ghana, these are the best options to start with:
Cheapest: Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 90,695.3 GHS, which is 0.92% more than the next best option.
Fastest: Revolut, funded through bank transfer with bank deposit for the payout. Your recipient gets 89,774.81 GHS in within minutes.
Eligible SGD deposits at participating banks are insured by SDIC up to S$100,000 per depositor and bank.
A balance with a non-bank transfer company is not a bank deposit and does not receive the same cover, even when the company is MAS-licensed.
When unsure, check the legal company in the MAS Financial Institutions Directory before paying.
The exchange rate directly affects how much GHS arrives for your SGD.
Mid-market rate:1 SGD = 9.102853 GHS
Every company here holds a MAS licence, which you can check yourself on the MAS register.
We track 3 of them on SGD to Ghana, refreshed in real time on live searches, and compare on the amount that arrives rather than the headline fee.
Each goes through our review. More on who we are, why you can trust us and how to get 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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