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Send money from Ghana to Nigeria
While you can’t send GHS to NGN with Wise, you can transfer USD to USD.
"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."
In our experience, there are always efficiencies to be made in how businesses manage international payments in and out.
Why not take our free FX health check test to see how effective your business is in managing these. It only takes a couple of minutes.
How to send money from Ghana to Nigeria
Sending money from Ghana to Nigeria doesn’t have a huge amount of options. Because of this, we suggest sending money via:
An agent like Western Union, MoneyGram, or Ria Money Transfer
Wise (USD/USD or EUR/EUR transfers)
Send cash to Nigeria from Ghana
Agents are physical stores where you hand in GHS as cash and the receiver picks it up from the store in Nigeria.
Western Union Agent
We suggest using Western Union agent as it's reputable, fast, and is partnered with multiple banks in Ghana.
The fees and rates will vary from day to day and based on your transfer amount, but it's still much cheaper than using your bank directly.
To get started, find the closest WU agent using the store locator, fill in the forms at the counter, pay for your transfer and let the recipient know.
Most transfers will be available for collection the same day, but sometimes can take up to a few days.
How to get the best deal on sending money from Ghana to Nigeria
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 Ghana to Nigeria.
Choose a provider
Select the provider that offers you the best value on buying NGN & 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.
Sending money from Ghana to Nigeria: key insights and tips
Compare all the options
Don't settle for the first option. Always compare ways to send money from Ghana to Nigeria to find out about fees, speed, and reliability.
Your analysis should include all the providers that operate between Ghana and Nigeria. Through this, you get a comprehensive view of all the options you have in Ghana when you need to send money to Nigeria.
Think about the Ghan Cedi-Naira exchange rate
Keep your money safe
Consider transfer limits
How to receive money in Nigeria
Have your ID ready
Don't forget about taxes
Cheapest way to send money from Ghana to Nigeria
Without any money transfer providers serving the Ghana to Nigeria route, the cheapest money transfer options are limited.
We would recommend using:
Understanding the costs involved when moving money from Ghana to Nigeria
When calculating the costs of money transfers between Ghana and Nigeria, here's what really matters:
The Mid-Market Rate: Today, the GHS-NGN mid-market rate equals to 121.7283. Keep in mind that this rate fluctuates all the time.
The GHS-NGN average exchange rate of the past week has been 122.1237, with a highest of 123.0379 and a lowest of 121.6349.
Fees and Markups: When you pick a service with competitive exchange rates and low fees, you get to make the most out of your GHS to NGN transfers. This strategy keeps your costs down, offering a smart way to handle your international transactions.
Getting best exchange rate for sending Ghan Cedi to Naira
Timing is essential when tracking the mid-market rate between GHS and NGN. The end exchange rate you secure impacts how much NGN you get for your GHS.
The recent mid-market rate trends are:
Over the past 7 days, the mid-market rate from GHS to NGN was 122.1237.
During this period, it hit a high of 123.0379, and a low of 121.6349.
, which is our recommended service to send money online from Ghana to Nigeria offers an exchange rate that is only % above the mid-market rate.
Want to secure the best GHS-Naira exchange rates?
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What payment methods are available when sending money from Ghana to Nigeria?
Sending bank transfers from Ghana to Nigeria
Bank transfers are the most common way of sending GHS to Nigeria as they are secure, reliable, and convenient.
If you want to send Ghan Cedis to Nigeria 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 Ghana to Nigeria 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 Ghan Cedis to Nigeria with a credit card.
Note: Beware of chargesCredit 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 Ghana to Nigeria by payment apps
If you’d like to send money from Ghana to Nigeria via payment app, follow these steps:
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 Ghana to Nigeria.
Enter your details. Enter any of the details required. You may need a valid form of ID.
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 Nigeria in Naira at this stage.
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 Ghana to Nigeria after it’s been sent.
Send the money. Your app will probably charge a fee for the transfer. They may also add a markup to the GHS to NGN 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 GHS to NGN is 121.7283
How we analyze the market
We track the cost, speed, and product offerings of the leading money transfer services available between Nigeria and Ghana.
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 Ghana to Nigeria.
We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send GHS to NGN.
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
