Send money to Ghana
"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."
"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."
"Revolut has 50+ million customers globally. You can hold up to 36 currencies in the app and send money quickly in 70+ currencies to 160+ countries."
"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."
"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."
"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."
"Xoom, a PayPal service, allows you to send money in more than 160 countries. You can send cash for over-the-counter pickup or home delivery, as well as send by bank transfer or debit card."
"Sendwave is trusted by over 1 million users across the US, UK, Canada and EU. 24/7 support is available online and via the app."
"Paysend has transparent fees and rates, with transfer sent within seconds to your recipient's bank. They also have global 24/7 support for any enquiries, and bank-level security."
"Moneygram is a well established service with over 80 years in the sector. They support over 200 countries worldwide and have over 440,000 retail locations."
How to get the best rate when sending money to Ghana
Revolut: The best way to send money to Ghana
We’ve tested 8 companies offering services in Ghana, and Revolut stood out as the best money transfer company to Ghana.
They offer low fees of just $21 and 0.2% markup on GHS exchange rates, and fast transfer speeds.
Revolut offers an ideal combination of features, speed, and cost for GHS transfers.



Cheapest way to send money to Ghana: Paysend
If you want to make the most of your GHS transfer, the cheapest way is to use Paysend and pay for your transfer with a bank transfer.
With just $0 in fees and -1.07% markup, Paysend is 1.33% cheaper than the next best option.
With Wise, if you were to send 7,000 USD to GHS, your recipient would get 73,224.9 Ghan Cedi, this is more than with other providers on our list.
*Based on 7,000 USD transfer.

Fastest way to send money to Ghana: Paysend
Our data shows that Paysend is the fastest way to transfer GHS right now.
With Paysend, the transfer time to Ghana is minutes - 24 hours (for a $7,000 transfer).
Paysend charges $0 in fees on $7,000 transfer and adds a -1.07% markup.
The ‘fastest’ way to transfer money to Ghana includes the transfer amount, deposit method, and transfer and withdrawal times.

The easiest way to send money to Ghana: Revolut
They offer transparent fees, charging $21 per transfer with 0.2% markup added to the GHS rate.
Getting started with Revolut takes less than 3 minutes, making it a fast, affordable, and user-friendly choice for sending Ghan Cedi.



Consider this before sending money to Ghana
Don't settle for the first option. Always compare ways to send money to Ghana to find out about fees, speed, and reliability.
Our analysis included 8 providers that operate in Ghana.
Through this, you get a comprehensive view of all the options you have when sending money to Ghana.
Sending large amounts of money to Ghana
Sending large amounts to Ghana can be expensive. You should consider the exchange rate, transfer limits, customer service, safety, company experience with large transfers, and any legal requirements in Ghana.
In this case, Paysend ticks all the boxes. Out of 8 money transfer companies serving Ghana, Paysend came on top as the highest-rated company for GHS transfers.
Whether you are buying a property in Ghana, funding your education, having a destination wedding, or just need to send a lot of GHS, we recommend opting for a specialized provider such as Paysend.
Understanding the costs involved when moving money to Ghana
When calculating the cost of money transfers to Ghana, here's what really matters: the country of origin, amount, payment method, fees, and the markup on the GHS exchange rate.
Exchange rate markup
This is a percentage added on top of the "real" GHS rate (known as the mid-market rate).
Paysend, for example, offers the best exchange rate. It adds -1.07% markup to the USD-GHS exchange rate (10.351 GHS - -1.07% per US Dollar).
Transfer fees
These are fixed and/or percentage fees added for the service when sending money to Ghana.
Let's imagine you want to send $7,000 from the US to Ghana.
After analyzing 8 companies supporting Ghan Cedi, we found Paysend to offer the lowest fees ( $0 in fees and -1.07% markup).
However, exact fees vary by deposit method and the service, for example:
Bank transfers vary from $0 to $490.00000000000006
Debit cards range from $0 to $0
Credit card fees vary a lot, mainly due to cash advance fees and/or additional fees from your credit card provider.
How to get the best GHS exchange rate for transfers to Ghana
An exchange rate represents the value of the Ghan Cedi (GHS) relative to another currency. Since it fluctuates continuously, the rate you get directly affects the amount of GHS you receive.
Recent trends in GHS exchange rates:
The average rate was 10.3318 Ghan Cedi per US Dollar, with a high of 10.371 GHS/USD and a low of 10.2805 GHS/USD.
During the past week, the GHS/USD exchange rate experienced some fluctuations. Ensuring you exchange or convert money at a higher rate would result in more GHS received.
Paysend is our top recommendation for sending GHS as it offers an exchange rate that is -1.07% above the mid-market rate, which is 0% cheaper than the next best option.
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Payment methods available for money transfers to Ghana
The way you fund your transfer to Ghana will impact the speed, cost, and amount of GHS your recipient receives.
Need to send money to a bank account in Ghana?
You can use most money transfer services to deposit money directly into popular banks in Ghana, including Absa Bank, Agricultural Development Bank, Ecobank Ghana, Fidelity Bank of Ghana, GCB Bank Limited, Société Générale Ghana, Universal Merchant Bank, Zenith Bank, and many more.
This is cheaper and quicker than using a wire transfer directly with your bank.
How we analyze the market
We track the cost, speed, and product offerings of the leading money transfer services available in Ghana.
Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.
We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.
This thorough analysis helps you get the best available deal - every time you want to move money to Ghana.
We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to find the best service for your needs when sending money to Ghana
For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.

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FAQs
Find answers to the most common questions on our dedicated FAQ page.