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Send money from Nigeria to Ghana
"Western Union agents help you send money from a wide variety of countries. Find a local branch near you to deposit cash and send your funds abroad."
"With MoneyGram you can send money globally. Find a local MoneyGram branch near you to deposit and send cash abroad."
The best way to send NGN to Ghana is to use cash transfer via Western Union
We’ve analysed 100s of money transfer companies, and found that the overall coverage of NGN/GHS transfers is very limited for online transfers.
This is why we suggest sending cash as an alternative, using Western Union.
The transfer fees depend on which branch you use and how much you send, but overall you can expect to pay around 3 NGN for a 360,000 NGN transfer.
Depending on where you are, we suggest checking Western Union to see what deposit methods you have available.
In many cases you can deposit NGN online and the recipient in Ghana will need to visit a branch to pick up GHS.
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
Compare providers
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 2 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 Western Union Agent as the best overall, comparing gives you a comprehensive view of all the options for transferring money from Nigeria to Ghana.
Get ahead of the Naira-Ghan Cedi exchange rate
Choose the right payment method
Financial regulation in Ghana and Nigeria
Consider transfer limits
Receiving money in Ghana
Have your ID ready
Tax declarations
The cheapest way to send money from Nigeria to Ghana is a cash transfer via MoneyGram.
The cheapest way to send money to Ghana from Nigeria is via a cash transfer through a MoneyGram Agent.
While cash transfers are usually more expensive than online options, our analysis of hundreds of money transfer companies shows that very few services currently support NGN/GHS transfers online.
The total cost of your transfer includes both the transfer fee (around 3 NGN per 360,000 NGN) and an exchange rate markup.
Ultimately, the exact price will depend on your location, payment method, and transfer amount.
Fastest money transfers from Nigeria to Ghana: cash transfer via Western Union Agent
The quickest way to send money from Nigeria to Ghana is through a cash transfer with a Western Union Agent.
In most cases, cash transfers are processed instantly, allowing your recipient to collect GHS within minutes.
In some cases, transfer times can vary depending on the amount sent and the branch you use, with larger transfers occasionally taking up to 24 hours to process.
Given the limited number of providers supporting NGN to GHS transfers, Western Union remains the fastest and most reliable option for cash pickups in Ghana.
Need to make a large transfer?
Western Union Agent is the best option for large transfers of the 2 providers compared.
While Western Union Agent 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 0.0077 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 week has averaged 0.0076 GHS per Naira, hitting a high of 0.0077 and a low of 0.0076.
Western Union Agent 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. Western Union Agent currently offers lowest fees of 3 NGN. 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 week, the exchange rate from NGN to GHS has seen some fluctuation. On average, it stood at 0.0076.
During this period, the highest value recorded was 0.0077, while the lowest was 0.0076.
Western Union Agent, which is our recommended service to send money online from Nigeria to Ghana offers an exchange rate that is only 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 Western Union Agent 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.
Western Union Agent is the best money transfer provider for bank transfers of the 2 we compared when sending NGN to Ghana.With a fee of 3 NGN to transfer money from Nigeria to Ghana, Western Union Agent 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 Western Union Agent.
Western Union Agent is a leader in debit card money transfers from Nigeria to Ghana. They are the best option of the 2 transfer companies compared.
Credit cards
Not many money transfer companies offer direct credit card deposits, because it is more expensive for everyone.
We recommend using a bank transfer or a debit card transfer if you can; otherwise, make a quick comparison to find the latest deal.
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 and review methodology.
Money transfer company reviews
