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How to send money to Ghana from Sweden with the best SEK-GHS rate

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

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

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August 15th, 2025
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SEK
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GHS
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kr
Best money transfer companies

Send money from Sweden to Ghana

Last updated: Today
Mid-market rate as of 08/15/2025: 1 SEK = 1.113756 GHS
Results below are based on a 80000 SEK search
0 of 8 providers
Sponsored
Wise
Recipient gets (GHS)
GH₵88,633.65
Full transfer details
Visit Wise
GH₵2,206 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₵86,568.00
Full transfer details
Visit Xe
GH₵141 better than a typical bank*

"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
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1
Profee
Recipient gets (GHS)
GH₵89,219.43
Full transfer details
Visit Profee
GH₵2,792 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
Exclusive: First Transfer Deal
2
Regency FX
Recipient gets (GHS)
GH₵88,859.91
Full transfer details
Visit Regency FX
GH₵2,432 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
3
Remitly
Recipient gets (GHS)
GH₵88,792.00
Full transfer details
Visit Remitly
GH₵2,365 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
4
Wise
Recipient gets (GHS)
GH₵88,633.65
Full transfer details
Visit Wise
GH₵2,206 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
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
5
Xe
Recipient gets (GHS)
GH₵86,568.00
Full transfer details
Visit Xe
GH₵141 better than a typical bank*

"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.
Sponsored
Wise
Recipient gets (GHS)
GH₵88,633.65
Full transfer details
Visit Wise
GH₵2,206 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₵86,568.00
Full transfer details
Visit Xe
GH₵141 better than a typical bank*

"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

Best recommended: Wise

Wise is our top pick for sending Swedish Krona to Ghana.

Of the 8 money transfer providers tested and reviewed, Wise scored highly for its competitive rates and fees.

A transfer of 80,000 Swedish Kronas to GHS will cost you kr956.68 in fees, and you will receive 88,633.65 GHS. The transfer time is same day, but might be a bit longer depending on the day you make the transfer.

Make your Sweden to Ghana transfer using Wise for the best mix of cost and speed.

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

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

Summary of recent searches

Top rated for transfers from Sweden to Ghana
Wise
Total number of SE - GH providers
8
Average cheapest fees & rate
Paysend
Average fastest transfer
Wise
Average transfer time
Within minutes
Best for bank transfers
Regency FX
Best for debit card
Wise
Best for credit card
Wise

Considerations ahead of sending money from Sweden to Ghana

1
Compare providers

A comparison of providers offering services between Sweden 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 8 providers that provide services for sending Swedish Krona to Ghana. This ensures you will get the best options for your transfer to Ghana from Sweden.

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

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

Cheapest way to transfer money from Sweden to Ghana: Paysend

Paysend is the cheapest way to send money to Ghana from Sweden out of the 8 companies compared.

Data collected over the past week shows that Paysend is 1.04% cheaper than the second-best option.

This includes the transfer fee of 0 SEK an exchange rate for buying Ghan Cedi with Swedish Kronas that is -1.17% different to the mid-market rate.

If you want to secure the best rates on transfers from Sweden to Ghana, Paysend will result in the most Ghan Cedi received.

Paysend is the cheapest way to send money from Sweden (SEK) to Ghana (GHS) - Paysend Screenshot

Fastest company to send money to Ghana from Sweden: Wise.

We compared 8 companies for fast transfers from Swedish Kronas to Ghana and Wise came out on top.

Right now, if you are sending kr80,000 with Wise to Ghana, the transfer time is same day. This can vary depending on your needs, but it's the fastest option.

Sending money through Wise to Ghana from Sweden has a fee of 956.68 SEK.

To understand who was the fastest, we tested Wise as part of 8 money transfer providers. Within this, we looked at the overall speed of sending money from Sweden to Ghana. This was made up of transfer times to Ghana after Swedish Kronas were added to a money transfer account.

When fast money transfers between Sweden and Ghana are a priority, Wise is our recommended choice.

Wise is the fastest way to send money from Sweden (SEK) to Ghana (GHS) - Wise Screenshot

Need to make a large transfer?

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

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

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

Understanding the cost of money transfers to Ghana from Sweden

The total cost of sending money to Ghana from Sweden is a mix of the mid-market, exchange rates and transfer fees.

The Mid-Market and Exchange Rates: The mid-market for SEK-GHS is 1.115 GHS per Swedish Krona.

Using a transfer company with an exchange rate as close to the mid-market rate as possible will result in being able to buy more Ghan Cedi for your Swedish Kronas.

The SEK-GHS mid-market rate over the last 7 days has seen the Swedish Krona worth an average 1.1029 GHS. Within this there has been a high of 1.1138, and a low of 1.0977.

From 8 companies compared, Paysend offers the strongest exchange rates.

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

Fees: When sending money there may be additional fees. Paysend offers the lowest fee of the 8 providers tested, costing 0 SEK per transfer (based on kr80,000 transferred).

Amount Received: When comparing providers, the best measure is the amount of Ghan Cedi eventually received in Ghana.

This number should allow you to determine if you are getting a good deal. A higher amount of money received in Ghana, means a better overall cost of sending money from Sweden.

How to find the best exchange rate for Swedish Krona to Ghan Cedi

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

Mid-market Rate
1 
SEK
=
1.115043 
GHS

Let's dive into some interesting recent trends.

  • Over the past week, the exchange rate from SEK to GHS has seen some fluctuation. On average, it stood at 1.1029.

  • During this period, the highest value recorded was 1.1138, while the lowest was 1.0977.

  • Wise, which is our recommended service to send money online from Sweden to Ghana offers an exchange rate that is only -0.68% above the mid-market rate.

Want to secure the best SEK-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 Sweden to Ghana!

Paying for your Sweden to
Ghana transfer

  • Bank transfers

    Paying via a bank transfer is often the better option for sending money from Sweden to Ghana.

    By using a money transfer company such as Regency FX for transfers from Sweden to Ghana, you can send money and while benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


    On average, Regency FX is the cheapest provider for bank transfers from the 8 we tested when sending SEK to Ghana.

    With a fee of 0 SEK to send money from Sweden to Ghana, Regency FX offers the best combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

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


    Wise is a one of the better options in the market for international debit card transfers from Sweden to Ghana.

  • 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.

    Be aware of fees: using a credit card to transfer money can mean being charged for a cash advance by your card provider. We always recommend a bank transfer or debit card payment if it is a possibility.

How we analyze the market

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


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 Sweden to Ghana.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send SEK 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 Sweden to Ghana?
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Can I send money from Sweden to Ghana with MoneyTransfers.com?
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How long does it take to send money from Sweden to Ghana?
What is the best exchange rate I can get for sending money from Sweden to Ghana?
Are there any minimum or maximum transfer amounts for sending money from Sweden to Ghana?
Can I schedule regular transfers between Sweden 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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