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Send money from Ghana to South Africa
"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."
Alternative for Ghana to South Africa
While you can’t send GHS to ZAR 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.
The best way to send GHS to South Africa is to use cash transfer via MoneyGram
We’ve analysed 100s of money transfer companies, and found that the overall coverage of GHS/ZAR transfers is very limited for online transfers.
This is why we suggest sending cash as an alternative, using MoneyGram.
The transfer fees depend on which branch you use and how much you send, but overall you can expect to pay around 3 GHS for a 2,800 GHS transfer.
Depending on where you are, we suggest checking MoneyGram to see what deposit methods you have available.
In many cases you can deposit GHS online and the recipient in South Africa will need to visit a branch to pick up ZAR.
Compare for the best deal on your Ghana to South Africa transfer
Always compare rates
Don't spend more than you have to. Use our live comparison tool to compare rates on money transfers from Ghana to South Africa.
Choose a provider
Pick the provider that offers you the best value & service for your needs for GHS to ZAR transfers.
Click, sign up & send
Follow the steps & make your transfer. Your funds will soon be heading to South Africa.
Summary of recent searches
Transfer consider from Ghana to South Africa
Compare available providers
A comparison of providers offering services between Ghana and South Africa is paramount. Based on your specific transfer amount, the best way to send money to South Africa could change. Comparing ensures the best price for your needs.
For services allowing you to send Ghan Cedi to South Africa we've compared 2 providers.
This coverage of the market ensure you will get the best options for your transfer to South Africa from Ghana.
Overall, we rated Western Union Agent as the best, but remember comparing for your specific transfer gives you a comprehensive view of all the options for transferring money from Ghana to South Africa.
Getting the best Ghan Cedi-Rand exchange rate
Choose the right payment method
Financial regulators
Consider transfer limits
Consider how the money will be received
Have your ID ready
Tax declarations in South Africa
The cheapest way to send money to South Africa from Ghana is using Western Union cash transfer service.
While online transfers are usually cheaper, there are very few providers offering GHS to ZAR transfers, making cash transfer through a Western Union Agent the most practical and affordable option available.
The overall cost of your transfer includes both the transfer fee (around 3 GHS per 2,800 GHS) and the exchange rate markup applied by Western Union.
These costs can vary depending on the branch location, payment method, and the amount you’re sending, so it’s always worth checking with your branch before making a transfer.
Fastest way to send money to South Africa from Ghana : MoneyGram cash pickup
When speed is your priority, the quickest way to transfer money from Ghana to South Africa is through a MoneyGram cash transfer.
In most cases, funds are available for pickup within minutes, allowing your recipient to collect ZAR almost instantly. Sometimes it can take a day or two, depending on the deposit method, branch, and the amount.
Given the limited online options for GHS to ZAR transfers, using MoneyGram’s cash pickup service remains the fastest and most dependable choice.
Need to make a large transfer?
Western Union Agent is the best option for large transfers of the 2 providers compared.
While Western Union Agent may not always be the cheapest or fastest way to send GHS from Ghana to South Africa, it's a great provider for larger transfers for things like buying or selling property.
Understanding the cost of sending money to South Africa from Ghana
The cost of sending money from South Africa to South Africa, 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-ZAR is 1.5426 ZAR per Ghan Cedi.
Finding a provider offering an exchange as close to 1.5426 as possible will ensure more Rand received when transferring.
For context, the GHS-ZAR mid-market rate for the past 7 days has averaged 1.556 ZAR per Ghan Cedi. This includes a high of 1.5642, and low of 1.5437.
Western Union Agent currently offers the best exchange rate on transfers from Ghana to South Africa.
For the most part the GHS-ZAR exchange rate you receive is the biggest factor impacting the cost of sending GHS to South Africa.
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 South Africa 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 Rand 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 ZAR, paired with a low fee, means a higher total amount received in South Africa.
Getting best exchange rate for sending Ghan Cedi to Rand
Timing is essential when tracking the mid-market rate between GHS and ZAR. The end exchange rate you secure impacts how much ZAR you get for your GHS.
The recent mid-market rate trends are:
Over the past 7 days, the mid-market rate from GHS to ZAR was 1.556.
During this period, it hit a high of 1.5642, and a low of 1.5437.
Western Union Agent, which is our recommended service to send money online from Ghana to South Africa offers an exchange rate that is only 5% above the mid-market rate.
Want to secure the best GHS-Rand exchange rates?
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Payment options for Ghana to South Africa money transfers
Bank transfers
Bank transfers are usually the best and easiest way to send money from Ghana to South Africa.
By using a money transfer company such as Western Union Agent for transfers from Ghana to South Africa, 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 South Africa.With a fee of 3 GHS to send money from Ghana to South Africa, Western Union Agent offers a strong combination of competitive exchange rates and lower fees.
Debit cards and prepaid options
Sending money from Ghana to South Africa 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 South Africa. 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 South Africa, we recommend comparing your options 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 South Africa 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 South Africa.
We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send GHS to ZAR.
For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy and review methodology.
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