How to send money to Nigeria from Ghana with the best GHS-NGN rate
Find money transfer deals for sending money from Ghana to Nigeria. Compare the cheapest, fastest, and most reliable providers with the best GHS to NGN exchange rates.
Read on for the best deals, expert information, and easiest ways to send money to Nigeria from Ghana.
Transferring the other way? Send NGN from Nigeria to Ghana instead.
"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."
"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."
"With MoneyGram you can send money globally. Find a local MoneyGram branch near you to deposit and send cash abroad."
Alternative for 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."
"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."
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.
The best way to send GHS to Nigeria is through a cash transfer with Western Union.
Western Union offers broad coverage across Ghana and Nigeria, making it a reliable option.
Transfer fees vary depending on the branch and the amount you send, but you can generally expect to pay around 3 GHS per 2,800 GHS transferred.
Before sending, check which deposit options are available in your area. In many cases, you can fund your transfer online in GHS, while the recipient collects NGN in cash at a local branch.
If you’re looking for alternatives, MoneyGram also offers competitive cash pickup services.
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.
Summary of recent searches
What to consider ahead of money transfers from Ghana to Nigeria
Comparing based on your specific needs is the best way to send money from Ghana to Nigeria with confidence.
Our analysis, and search results, include 2 providers that operate between Ghana and Nigeria. These are ranked by speed, overall cost and ease of use.
Through this, you get a comprehensive view of all the options you have in Ghana when you need to send money to Nigeria.
The cheapest way to send money to Nigeria from Ghana is to send cash via Western Union Agent.
Generally speaking, sending cash is more expensive than using the online transfer, however, after looking at 100+ money transfer companies, there aren’t many options servicing GHS/NGN.
The main cost is made up of the fee (around 3 GHS) and the exchange rate markup added on top.
However, this heavily depends on which branch you use, and how much GHS you are sending.
Fastest money transfers from Ghana to Nigeria: cash transfer via MoneyGram Agent
The quickest way to send money from Ghana to Nigeria is through a cash transfer with a MoneyGram Agent.
In most cases, cash transfers are processed instantly, allowing your recipient to collect NGN 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 GHS to NGN transfers, MoneyGram remains the fastest and most reliable option for cash pickups in Nigeria.
Sending large amounts of money
Of the 2 companies compared, Western Union Agent has the strongest option for large transfers from Ghana to Nigeria.
Whatever the reason, sending bigger sums of money can be costly if you get a bad exchange rate from Ghan Cedi to Naira.
The Western Union Agent rate makes them great for large transfers between Nigeria and Ghana.
Understanding the cost of sending money to Nigeria from Ghana
The cost of sending money from Nigeria to Nigeria, is made-up of a combination of fees and exchange rates:
The Mid-Market and Exchange Rates: The mid-market rate determines a mid-price for buying currency. The current mid-market rate from GHS-NGN is 126.3321 NGN per Ghan Cedi.
Finding a provider offering an exchange as close to 126.3321 as possible will ensure more Naira received when transferring.
For context, the GHS-NGN mid-market rate for the past 7 days has averaged 127.0339 NGN per Ghan Cedi. This includes a high of 127.5144, and low of 126.6403.
Western Union Agent currently offers the best exchange rate on transfers from Ghana to Nigeria.
For the most part the GHS-NGN exchange rate you receive is the biggest factor impacting the cost of sending GHS to Nigeria.
Fees: Outside of exchange rates, you may need to pay a fee to send. Western Union Agent currently offers the lowest fees on transfers to Nigeria from Ghana. They charge 3 GHS per transfer.
Although this does include large transfers as well, we recommend searching for your exact send amount for an exact fee.
Amount Received: The amount received in Naira is the amount you started with, minus the amount you paid in the exchange and fees.
The better deal you get on exchanging Ghan Cedis to NGN, paired with a low fee, means a higher total amount received in Nigeria.
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 127.0339.
During this period, it hit a high of 127.5144, and a low of 126.6403.
Western Union Agent, which is our recommended service to send money online from Ghana to Nigeria offers an exchange rate that is only 5% above the mid-market rate.
Want to secure the best GHS-Naira exchange rates?
Sign up for our rate alerts and we'll tell you when it's the best time to move your money from Ghana to Nigeria!
Payment options for Ghana to Nigeria money transfers
Bank transfers
Bank transfers are usually the best and easiest way to send money from Ghana to Nigeria.
By using a money transfer company such as Western Union Agent for transfers from Ghana to Nigeria, you can send money via a bank transfer while benefitting from lower fees and more favorable exchange rates than you would get from a traditional bank.
Western Union Agent is the cheapest money transfer company for bank transfers from the 2 we compared for transfers from GHS into Nigeria.
With a fee of 3 GHS to send money from Ghana to Nigeria, Western Union Agent offers a strong combination of competitive exchange rates and lower fees.
Debit cards and prepaid options
Sending money from Ghana to Nigeria with a debit or a prepaid card is available through Western Union Agent.
Western Union Agent is a one of the cheaper options for debit card payments for transfers from Ghana to Nigeria. This cost is against a total of 2 money transfer companies offering this option.
Credit cards
When it comes to international credit card transfers from Ghana to Nigeria, we to get the best deal.
Be aware of fees: using a credit card to transfer money often results in a fee being charged by your card issuer. Where possible, we recommend a bank transfer or debit card payment.
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.
Related transfer routes
Send money from Ghana
Send money to Nigeria
How much money can be transferred from Ghana to Nigeria?
Are there any tax implications to sending money from Ghana to Nigeria?
Can I send money from Ghana to Nigeria with MoneyTransfers.com?
What are the typical transfer fees for sending Ghan Cedis to Nigeria through various providers?
How long does it take to send money from Ghana to Nigeria?
What is the best exchange rate I can get for sending money from Ghana to Nigeria?
Are there any minimum or maximum transfer amounts for sending money from Ghana to Nigeria?
Can I schedule regular transfers between Ghana and Nigeria?
Tools & resources
Contributors
