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How to send money to Ghana from Philippines with the best PHP-GHS rate

Get the best deals on transfers from the Philippines to Ghana. Find the cheapest, fastest, and best rated providers with the most competitive PHP to GHS exchange rates.

Read on for analysis and insights on the best ways to send money to Ghana from the Philippines.

Transferring the other way? Send GHS from Ghana to Philippines instead.
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July 6th, 2025
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How to send money from Philippines to Ghana

Sending money from Philippines to Ghana doesn’t have a huge amount of options. Because of this, we would recommend sending money via:

How to get the best deal on sending money from Philippines to Ghana

Sending money from Philippines to Ghana: key insights and tips

1
Compare all the options

Don't settle for the first option. Always compare ways to send money from Philippines to Ghana to find out about fees, speed, and reliability.

Your analysis should include all the providers that operate between Philippines and Ghana. Through this, you get a comprehensive view of all the options you have in Philippines when you need to send money to Ghana.

2
Think about the Philippine Peso-Ghan Cedi exchange rate
3
Keep your money safe
4
Consider transfer limits
5
How to receive money in Ghana
6
Have your ID ready
7
Don't forget about taxes

Cheapest way to send money from Philippines to Ghana

Without any money transfer providers serving the Philippines to Ghana route, the cheapest money transfer options are limited.

We would recommend using:

Understanding the costs involved when moving money from Philippines to Ghana

When calculating the costs of money transfers between Philippines and Ghana, here's what really matters:

The Mid-Market Rate: Today, the PHP-GHS mid-market rate equals to 0.1831. Keep in mind that this rate fluctuates all the time.

The PHP-GHS average exchange rate of the past week has been 0.1835, with a highest of 0.1838 and a lowest of 0.1831.

Fees and Markups: When you pick a service with competitive exchange rates and low fees, you get to make the most out of your PHP to GHS transfers. This strategy keeps your costs down, offering a smart way to handle your international transactions.

How to find the best exchange rate for Philippine Peso to Ghan Cedi

Timing is essential for sending money between PHP and GHS. The exchange rate you secure impacts how much GHS you get for your PHP.

Mid-market Rate
1 
=
0.183126 
GHS

Let's dive into some interesting recent trends.

  • Over the past week, the exchange rate from PHP to GHS has seen some fluctuation. On average, it stood at 0.1835.

  • During this period, the highest value recorded was 0.1838, while the lowest was 0.1831.

  • , which is our recommended service to send money online from Philippines to Ghana offers an exchange rate that is only % above the mid-market rate.

Want to secure the best PHP-Ghan Cedi exchange rates?

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What payment methods are available when sending money from Philippines to
Ghana?

  • Sending bank transfers from Philippines to Ghana

    Bank transfers are the most common way of sending PHP to Ghana as they are secure, reliable, and convenient.

    If you want to send Philippine Pesos to Ghana via bank transfer, you can use your bank where no provider is available, but it will likely be at a bad exchange rate.

  • Sending money from Philippines to Ghana by credit card

    Credit card payments are quick, convenient, and typically more secure than other methods, thanks to backing by the issuing party. Some users may even be able to rack up reward points when making large transactions.

    If you want to send Philippine Pesos to Ghana with a credit card.

    Note: Beware of charges

    Credit card payments are often classified as cash advances, which bring their own charges, as well as currency conversion and usage fees. Forgetting to pay your balance can also result in high interest charges, and can even damage your credit score.

  • Sending money from Philippines to Ghana by payment apps

    If you’d like to send money from Philippines to Ghana via payment app, follow these steps:

    1. Download the app and register. Download the app from the App Store or Google Play. You’ll need to register to be able to open an account. Make sure the app services transfers from Philippines to Ghana.

    2. Enter your details. Enter any of the details required. You may need a valid form of ID.

    3. Start your transfer. Enter the details of your recipient. Some apps will require full payment details, while others allow you to pay with just an email address. You may need to state that you’re planning to send money to Ghana in Ghan Cedi at this stage.

    4. Check the details. It’s vital that you check the details you’ve added to make sure everything is correct. It can be very difficult to reverse a transfer, and most payment apps don’t let you cancel a transfer from Philippines to Ghana after it’s been sent.

    5. Send the money. Your app will probably charge a fee for the transfer. They may also add a markup to the PHP to GHS exchange rate. Check the rate they’re offering against the mid-market rate to make sure you’re getting a good deal.

    The current mid-market rate of PHP to GHS is 0.1831

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between Ghana and Philippines.


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 Philippines to Ghana.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send PHP 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

How much money can be transferred from Philippines to Ghana?
Are there any tax implications to sending money from Philippines to Ghana?
Can I send money from Philippines to Ghana with MoneyTransfers.com?
What are the typical transfer fees for sending Philippine Pesos to Ghana through various providers?
How long does it take to send money from Philippines to Ghana?
What is the best exchange rate I can get for sending money from Philippines to Ghana?
Are there any minimum or maximum transfer amounts for sending money from Philippines to Ghana?
Can I schedule regular transfers between Philippines and Ghana?

Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is CEO at MoneyTransfers.com, with 10 years' experience building consumer products in finance, insurance & travel. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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