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Our recommendation: Payoneer
We tested & reviewed 4 money transfer providers offering money transfers from Nigeria to Ghana, and Payoneer scored highly.
In total, Payoneer appeared in 31% of Nigeria to Ghana searches, and was the top rated company supporting transfers between NGN and GHS.
For a great mix of cost, speed & features, we recommend making your Nigeria to Ghana transfer using Payoneer.
How to get the best deal on sending money from Nigeria to Ghana
- Always compare rates
Don't pay more than you have to. Use our live comparison tool to make sure you aren't missing the best rates to send money from Nigeria to Ghana.
- Choose a provider
Select the provider that offers you the best value on buying GHS & service for your needs.
- Click, sign up & send
Follow the steps & make your transfer. Your funds will soon be on their way to your chosen country & currency.
Summary of recent searches
Considerations ahead of sending money from Nigeria to Ghana
A comparison of providers offering services between Nigeria and Ghana, based on your specific transfer amount is the best way to send money with the confidence you’re getting the best price.
We’ve compared 4 providers that provide services for sending Naira to Ghana. This ensures you will get the best options for your transfer to Ghana from Nigeria.
Whilst we rate Payoneer as the best overall, comparing gives you a comprehensive view of all the options for transferring money from Nigeria to Ghana.
Cheapest way to send money from Nigeria to Ghana: Multipass
Our data shows, over the past six months, that Multipass is 0% than the second-best option when sending via a bank transfer.
This measure includes an average fee of 0* NGN and a NGN-GHS exchange rate for international transfers that is 0.5% different to the mid-market rate.
Securing the best rates on a NGN to Ghana transfer can be done with Multipass but you can always search for your specific amount.
*The most common fee applied by Multipass when sending NGN-GHS, based on data from the past six months.
Fastest way to transfer money to Ghana from Nigeria: Payoneer.
Through our data, we found Payoneer to be the fastest option for sending money from Nigeria into Ghan Cedi in 24.3% of occasions. For fast NGN to GHS money transfers, Payoneer comes highly recommended.
Nigeria to Ghana transfers with Payoneer have an average fee of 0 NGN.
To test that Payoneer was the 'fastest' option we compared 4 providers. With this, we compared overall speed of sending money from Nigeria to Ghana made up of depositing Nairas, to a money transfer account and transfer times to Ghana.
When sending at speed is a priority, Payoneer is our recommended choice for sending into Ghana from Nigeria.
Need to make a large transfer?
Payoneer is the best option for large transfers of the 4 providers compared.
While Payoneer may not always be the cheapest or fastest way to send NGN from Nigeria to Ghana, it's a great provider for larger transfers for things like buying or selling property.
Understanding the costs involved when transferring money to Ghana from Nigeria
When calculating the cost of sending money from Nigeria to Ghana, a combination of fees and exchange rates ensure the best deal:
The Mid-Market and Exchange Rates: The current NGN-GHS mid-market rate is 0.0095 GHS per Naira. Finding a provider as close to this number as possible will ensure more Ghan Cedi for your money.
As a comparison, the NGN-GHS mid-market rate for the past three months has averaged 0.0098 GHS per Naira, hitting a high of 0.0104 and a low of 0.0094.
Moneycorp is currently offering the best exchange rate on transfers between Nigeria and Ghana.
Often the NGN-GHS exchange rate you receive will be the biggest factor impacting the cost of sending Naira to Ghana.
Fees: Transfer fees are charged on top of a transfer. Multipass currently offers lowest fees, at an average of 0 NGN over the last 6 months. Although, we recommend searching for your exact send amount for an exact fee.
Amount Received: The total amount received in Ghan Cedi is the biggest indicator in the total cost of sending money to Nigeria from Ghana. The higher the total amount received in Ghana, the lower the cost of sending from Nigeria.
How to find the best exchange rate for Naira to Ghan Cedi
Timing is essential for sending money between NGN and GHS. The exchange rate you secure impacts how much GHS you get for your NGN.
Let's dive into some interesting recent trends.
Over the past six months, the exchange rate from NGN to GHS has seen some fluctuation. On average, it stood at 0.0098.
During this period, the highest value recorded was 0.0104, while the lowest was 0.0094.
Payoneer, which is our recommended service to send money online from Nigeria to Ghana offers an exchange rate that is only 1.5% above the mid-market rate.
Want to secure the best NGN-Ghan Cedi exchange rates?
Sign up for our rate alerts and we'll tell you when it's the best time to move your money from Nigeria to Ghana!
Payment options for transfers from Nigeria to Ghana
Bank transfers
Bank transfers are often the fastest and cheapest way to send money from Nigeria to Ghana.
Using a money transfer company such as Multipass for payments from Nigeria to Ghana, means you can send via a bank transfer and benefit from lower fees and more favorable exchange rates than you would get with a traditional bank.
Multipass is the best money transfer provider for bank transfers of the 4 we compared when sending NGN to Ghana.With an average fee of 0 NGN to transfer money from Nigeria to Ghana, Multipass offers a great combination of competitive exchange rates and lower fees.
Prepaid and debit cards
Sending money with a debit card from Nigeria to Ghana is easy with .
is a leader in debit card money transfers from Nigeria to Ghana. They are the best option of the 4 transfer companies compared.
Credit cards
When it comes to credit card transfers from Nigeria to Ghana, is the top choice of the 4 companies offering this service.
Fee alert: using a credit card to transfer money internationally often results in a fee being charged by your card issuer. That's why we recommend bank transfer or debit card instead.
How we analyze the market
We track the cost, speed, and product offerings of the leading money transfer services available between Ghana and Nigeria.
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 from Nigeria to Ghana.
We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send NGN to GHS.
For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.
Money transfer company reviews
