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Send money from Philippines to Ghana
"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."
"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."
"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."
"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."
Best recommended: Wise
Of the 3 money transfer providers tested and reviewed, Wise scored highly for its competitive rates and fees.
A transfer of 14,700 Philippine Pesos to GHS will cost you ₱263.88 in fees, and you will receive 2,756.56 GHS. The transfer time is same day, but might be a bit longer depending on the day you make the transfer.
Make your Philippines to Ghana transfer using Wise for the best mix of cost and speed.
How to get the best deal on sending money from Philippines 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 the Philippines 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 Philippines to Ghana
Compare providers
A comparison of providers offering services between the Philippines 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 3 providers that provide services for sending Philippine Peso to Ghana. This ensures you will get the best options for your transfer to Ghana from the Philippines.
Whilst we rate Wise as the best overall, comparing gives you a comprehensive view of all the options for transferring money from the Philippines to Ghana.
Get ahead of the Philippine Peso-Ghan Cedi exchange rate
Choose the right payment method
Financial regulation in Ghana and Philippines
Consider transfer limits
Receiving money in Ghana
Have your ID ready
Tax declarations
The cheapest way to send money to Ghana from Philippines is using Western Union cash transfer service.
While online transfers are usually cheaper, there are very few providers offering PHP to GHS transfers, making cash transfer through a Western Union Agent the most practical and affordable option available.
The overall cost of your transfer includes both the transfer fee (around 3 PHP per 14,700 PHP) and the exchange rate markup applied by Western Union.
These costs can vary depending on the branch location, payment method, and the amount you’re sending, so it’s always worth checking with your branch before making a transfer.
Fastest money transfers from Philippines to Ghana: cash transfer via MoneyGram Agent
The quickest way to send money from Philippines to Ghana is through a cash transfer with a MoneyGram 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 PHP to GHS transfers, MoneyGram remains the fastest and most reliable option for cash pickups in Ghana.
Need to make a large transfer?
Wise is the best option for large transfers of the 3 providers compared.
While Wise may not always be the cheapest or fastest way to send PHP from the Philippines to Ghana, it's a great provider for larger transfers for things like buying or selling property.
Understanding the cost of transferring money to Ghana from Philippines
Fees and exchange rates make up the total cost of sending money from Ghana to Ghana. Finding a company that can offer both ensures a good deal on your transfer.
The Mid-Market and Exchange Rates: The current PHP-GHS mid-market rate is 0.1893 GHS per Philippine Peso. You will get more Ghan Cedi for your Philippine Pesos if you find a provider close to this number.
For context, over the last 7 days the PHP-GHS mid-market rate has had a high of 0.1896, a low of 0.1877 and averaged 0.1889 GHS per Philippine Peso.
Across the 3 companies compared, the best exchange rate is with Wise.
Unless fees are unusually high, the exchange rate you receive on converting PHP to GHS will be the biggest determining factor when working out the cost of transferring Philippine Pesos to Ghana.
Fees: Transfer fees are charged as part of the transfer. Wise charges the lowest fee of 263.88 PHP at the moment. We’d always recommend comparing providers for your exact send amount as fees may change.
Amount Received: Money transfer companies will show you the amount of Ghan Cedi eventually received in Ghana. You can assume that a lower cost of sending from the Philippines will result in more money received in Ghana.
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.
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 0.1889.
During this period, the highest value recorded was 0.1896, while the lowest was 0.1877.
Wise, which is our recommended service to send money online from Philippines to Ghana offers an exchange rate that is only -0.85% above the mid-market rate.
Want to secure the best PHP-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 Philippines to Ghana!
Funding your Philippines to Ghana money transfer
Bank transfers
Bank transfers are often the best and easier way to send money from the Philippines to Ghana.
By using a money transfer company such as Wise for transfers from the Philippines to Ghana, you can send money via a bank transfer and benefit from lower fees and more favorable exchange rates than would be offered by a bank.
On average, Wise is the cheapest way to send money via a bank transfer. This is of the 3 companies we tested when sending PHP to Ghana.
With a fee of 263.88 PHP to send money from the Philippines to Ghana, Wise offers a decent combination of competitive exchange rates and lower fees.
Debit and prepaid cards
Sending money from the Philippines to Ghana with a debit or a prepaid card is easy with Western Union Agent.
Western Union Agent is a leading money transfer company for debit card payments, and offers transfers from the Philippines to Ghana.
Credit cards
We recommend avoiding credit card transfers due to high fees, and instead, you should consider a bank transfer or a debit card deposit.
However, if you do need to use a credit card to fund your transfer, use our comparison tool to get the latest deal.
Keep on top of fees: using a credit card to transfer money can result in a fee being charged by your card issuer. Where possible, 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 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 and review methodology.
Money transfer company reviews
