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How to send money to Ghana from Spain with the best EUR-GHS rate

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

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

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August 17th, 2025
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Best money transfer companies

Send money from Spain to Ghana

Last updated: Today
Mid-market rate as of 08/17/2025: 1 EUR = 12.467527 GHS
Results below are based on a 7000 EUR search
0 of 12 providers
Sponsored
Wise
Recipient gets (GHS)
GH₵87,691.47
Full transfer details
Visit Wise
GH₵3,037 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (GHS)
GH₵83,646.50
Full transfer details

"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."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Live Rates
Sort by:
1
Profee
Recipient gets (GHS)
GH₵88,705.55
Full transfer details
Visit Profee
GH₵4,051 better than a typical bank*

"Card-to-card transfers can be received in just two minutes."

Personal account manager
Multi-currency card
Receive to bank account or debit card
2
Remitly
Recipient gets (GHS)
GH₵87,920.00
Full transfer details
Visit Remitly
GH₵3,265 better than a typical bank*

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
3
Wise
Recipient gets (GHS)
GH₵87,691.47
Full transfer details
Visit Wise
GH₵3,037 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Exclusive: First Transfer Deal
4
Regency FX
Recipient gets (GHS)
GH₵87,037.05
Full transfer details
Visit Regency FX
GH₵2,383 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
5
Sendwave
Recipient gets (GHS)
GH₵86,924.67
Full transfer details
Visit Sendwave
GH₵2,270 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
6
WorldRemit
Recipient gets (GHS)
GH₵86,912.38
Full transfer details
Visit WorldRemit
GH₵2,258 better than a typical bank*

"24/7 live chat support provided in six languages. Special first transfer rates available, with airtime topup supported to many countries in Africa, Asia and South America."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
7
Instarem
Recipient gets (GHS)
GH₵86,130.10
Full transfer details
Visit Instarem
GH₵1,476 better than a typical bank*

"Most transfers are instant or same-day. Customers can earn rewards on every transaction."

Personal account manager
Multi-currency card
Receive to bank account
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
8
Xe
Recipient gets (GHS)
GH₵83,646.50
Full transfer details

"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."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Mid-market rate updates every 60 minutes
Estimated Rates
We don't have access to live rates from these companies. Instead, we've researched their average exchange rates and fees.
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • PayPal
    PayPal
    Recipient gets (GHS)
    GH₵80,346.73
    Not recommended
Sponsored
Wise
Recipient gets (GHS)
GH₵87,691.47
Full transfer details
Visit Wise
GH₵3,037 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (GHS)
GH₵83,646.50
Full transfer details

"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."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions

Overall best option: Wise

Wise is our recommended company for sending money to Ghana from EUR.

Of the 12 companies that support EUR to GHS, Wise offered the best combination of cost and speed.

Sending 7,000 EUR to GHS will cost you €92.44 in fees, and you will receive 87,691.47 GHS.

So for a great mix of cost, speed & features, send Euros to Ghana using Wise.

Wise is the top rated company for sending money from Spain (EUR) to Ghana (GHS) - Wise Screenshot

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

Summary of recent searches

Top rated for transfers from Spain to Ghana
Wise
Total number of ES - GH providers
12
Average cheapest fees & rate
Profee
Average fastest transfer
Profee
Average transfer time
Within minutes
Best for bank transfers
Profee
Best for debit card
Profee
Best for credit card
Profee

Considerations ahead of sending money from Spain to Ghana

1
Compare providers

A comparison of providers offering services between Spain 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 12 providers that provide services for sending Euro to Ghana. This ensures you will get the best options for your transfer to Ghana from Spain.

Whilst we rate Wise as the best overall, comparing gives you a comprehensive view of all the options for transferring money from Spain to Ghana.

2
Get ahead of the Euro-Ghan Cedi exchange rate
3
Choose the right payment method
4
Financial regulation in Ghana and Spain
5
Consider transfer limits
6
Receiving money in Ghana
7
Have your ID ready
8
Tax declarations

Cheapest way to send money to Ghana from Spain: Profee

Of the 12 providers compared, Profee is the cheapest option for sending money right now.

The cost is a combination of a fee of 0 EUR and an exchange rate for converting Euro to Ghan Cedi that is -1.63% different to the mid-market rate.

We found that Profee is 0.37% cheaper than the second-best option.

We would recommend Profee for low cost, affordable transfers from Ghan Cedis to Ghana.

Profee is the cheapest way to send money from Spain (EUR) to Ghana (GHS) - Profee Screenshot

Fastest money transfers to Ghana from Spain: Profee.

We tested 12 companies offering transfers from Euro to Ghana and Profee offered the quickest options.

For example, the transfer time for sending €7,000 to Ghana with Profee is minutes - 24 hours.

But, it can be quicker or longer depending on the exact amount, as well as the day and time of your transfer.

Money transfers from Spain to Ghana through Profee have a fee of 0 EUR.

To confirm that Profee was the 'fastest' option we compared 12 money transfer providers for the overall speed of sending money from Spain to Ghana. This was made up of depositing Euro to a money transfer account and transfer times to Ghana.

When sending quickly is a priority, Profee is our recommended choice for sending into Ghana from Spain.

Profee is the fastest way to send money from Spain (EUR) to Ghana (GHS) - Profee Screenshot

Need to make a large transfer?

For big transfers between Spain and Ghana, competitive pricing & strong customer service are key.

Wise is the best option for large transfers of the
12 providers compared.

While Wise may not always be the cheapest or fastest way to send EUR from Spain to Ghana, it's a great provider for larger transfers for things like buying or selling property.

Understanding the cost of moving money to Ghana from Spain

The total cost of money transfers to Ghana from Spain, is a combination of exchange rates and fees. Sending with a company that can offer a good competitive rate and low (or no) fees is the best way to get a good deal.

The Mid-Market and Exchange Rates: The current mid-market for EUR-GHS is 12.6819 GHS per Euro.

  • Using a transfer company offering an exchange rate closer to this will result in being able to buy more Ghan Cedi for your Euros.

  • On average for the last week, the EUR-GHS mid-market rate has been 12.3657 GHS per Euro. This hit a high of 12.4675, and a low of 12.2856.

  • From the 12 companies compared, Wise offers the best exchange rates.

  • The biggest factor in the overall cost of sending money is the exchange rate you receive on converting EUR to GHS.

Fees: Some money transfers between Spain and Ghana will be subject to fees.

Profee is the cheapest option overall, charging 0 EUR.

Although you should search for your send amount for actual fees as your scenario may be different.

Amount Received: Money transfer companies will show you the amount of Ghan Cedi eventually received in Ghana.

This number should guide you, as a higher amount of money received in Ghana means a better overall cost of sending money from Spain.

How to find the best exchange rate for Euro to Ghan Cedi

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

Mid-market Rate
1 
EUR
=
12.681896 
GHS

Let's dive into some interesting recent trends.

  • Over the past week, the exchange rate from EUR to GHS has seen some fluctuation. On average, it stood at 12.3657.

  • During this period, the highest value recorded was 12.4675, while the lowest was 12.2856.

  • Wise, which is our recommended service to send money online from Spain to Ghana offers an exchange rate that is only -1.81% above the mid-market rate.

Want to secure the best EUR-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 Spain to Ghana!

Funding your Spain to
Ghana money transfer

  • Bank transfers

    Bank transfers are often the best and easier way to send money from Spain to Ghana.

    By using a money transfer company such as Profee for transfers from Spain 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, Profee is the cheapest way to send money via a bank transfer. This is of the 12 companies we tested when sending EUR to Ghana.

    With a fee of 0 EUR to send money from Spain to Ghana, Profee offers a decent combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from Spain to Ghana with a debit or a prepaid card is easy with Wise.


    Wise is a leading money transfer company for debit card payments, and offers transfers from Spain 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 Spain.


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 Spain to Ghana.


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

How much money can be transferred from Spain to Ghana?
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Can I send money from Spain to Ghana with MoneyTransfers.com?
What are the typical transfer fees for sending Euros to Ghana through various providers?
How long does it take to send money from Spain to Ghana?
What is the best exchange rate I can get for sending money from Spain to Ghana?
Are there any minimum or maximum transfer amounts for sending money from Spain to Ghana?
Can I schedule regular transfers between Spain 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 the founder and CEO of MoneyTransfers.com, with over 10 years’ experience building consumer products across finance, insurance, and travel. A frequent traveler himself, Luke has hands-on experience testing payment and transfer services globally, giving him a unique perspective on the real-world challenges users face. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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