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Overall best way: Payoneer
We tested & reviewed 4 transfer providers, and Payoneer scored highly.
In the last six months, Payoneer appeared in 46.3% of Ghana to Nigeria searches, and was the top rated company supporting payments Ghana into Naira.
So for a great mix of cost, speed & features, make your Ghana to Nigeria transfer using Payoneer.
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 4 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.
Cheapest way to send money to Nigeria from Ghana: Multipass
Data collected through our comparison over the past six months shows that Multipass is 0.7% cheaper than the second-best option.
The cost is made up of an average fee of 0* GHS and an exchange rate for buying Naira with Ghan Cedi that is 0.5% different to the mid-market rate.
If you want to secure the best rates on a Ghana to Nigeria transfer, Multipass offers value. We would still recommend searching for the amount you want to send to Nigeria.
*The most common fee applied to GHS-NGN by Multipass, based on data from the past six months.
Fastest money transfers from Ghana to Nigeria: Payoneer.
Through our comparison, we found Payoneer to be the fastest option to transfer money from Ghana to Naira in 46.3% of instances.
Over the last six months, sending money from Ghana to Nigeria through Payoneer have an average fee of 0 GHS.
Payoneer was one of 4 money transfer providers we compared for overall speed of sending money from Ghana to Nigeria. This speed test included depositing Ghan Cedis to an account and the average timeframe for sending money to Nigeria.
When fast transfers are a priority, Payoneer is our best choice for sending from Ghana to Nigeria.
Sending large amounts of money
Of the 4 companies compared, Payoneer 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 Payoneer 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 104.7825 NGN per Ghan Cedi.
Finding a provider offering an exchange as close to 104.7825 as possible will ensure more Naira received when transferring.
For context, the GHS-NGN mid-market rate for the past three months has averaged 101.8606 NGN per Ghan Cedi. This includes a high of 107.1354, and low of 90.5999.
Moneycorp 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. Multipass currently offers the lowest fees on transfers to Nigeria from Ghana, averaging 0 GHS over the last 6 months. 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 six months, the mid-market rate from GHS to NGN was 101.8606.
During this period, it hit a high of 107.1354, and a low of 90.5999.
Payoneer, which is our recommended service to send money online from Ghana to Nigeria offers an exchange rate that is only 1.48% 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 Multipass 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.
Multipass is the cheapest money transfer company for bank transfers from the 4 we compared for transfers from GHS into Nigeria.With an average fee of 0 GHS to send money from Ghana to Nigeria, Multipass 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 Wise.
Wise is a one of the cheaper options for debit card payments for transfers from Ghana to Nigeria. This cost is against a total of 4 money transfer companies offering this option.
Credit cards
When it comes to international credit card transfers from Ghana to Nigeria, Instarem emerges as our top choice of the 4 companies offering this service.
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 document.
Money transfer company reviews
