How to send money to the US from Ghana with the best GHS-USD rate

Get the best deals when you transfer from Ghana to United States. Find the cheapest, fastest, and most reliable providers with the best GHS to USD exchange rates.

Read on for the best deals, expert information, and all you need to send money to United States from Ghana.

April 9th, 2026
2,800 GHS
USD
Last updated: Today
Results below are based on a 2800 GHS search
Live mid-market rate*: 1 GHS = 0.090786 USD
Sort by:
3 of 3 providers
Send cash via a MoneyGram agent
1
MoneyGram Agent
Recipient gets (USD)
$229.39
Full transfer details

"With MoneyGram you can send money globally. Find a local MoneyGram branch near you to deposit and send cash abroad."

7.5
Personal account manager
Multi-currency card
Receive to bank account or debit card
Cash pickup
Send cash via a Western Union agent
2
Western Union Agent
Recipient gets (USD)
$229.31
Full transfer details

"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."

7.7
Personal account manager
Multi-currency card
Receive to bank account or debit card
Cash pickup
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.
Click here to see other options
Grey
Recipient gets (USD)
$251.61

Alternative for Ghana to United States

While you can’t send GHS to USD with Wise, you can transfer USD to USD.

Wise
Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0%
Fees
0.1% - 2.6%

"Over 15 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

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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.

Best choice: Western Union Agent

Western Union Agent is our recommended way to send Ghan Cedi to USD.

We tested & reviewed dozens of money transfer providers. We found Western Union Agent to be the overall best option.

Transferring 2,800 GHS to USD will cost you GH₵84 in fees, and you will receive 229.31 USD. The delivery time can take minutes - 5 days, but it depends on the day you make the transfer.

So for a great blend of cost, speed & features, make your Ghana to the United States transfer using Western Union Agent.

Western Union Agent is the top rated company for sending money from Ghana (GHS) to United States (USD) - Western Union Agent Screenshot

How to get the best deal on sending money from Ghana to United States

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 the United States.

Always compare rates

Choose a provider

Select the provider that offers you the best value on buying USD & service for your needs.

Choose a provider

Click, sign up & send

Follow the steps & make your transfer. Your funds will soon be on their way to your chosen country & currency.

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Summary of recent searches

Top rated for transfers from Ghana to United States
Western Union Agent
Total number of GH - US providers
3
Average cheapest fees & rate
Grey
Average fastest transfer
Grey
Average transfer time
Within a week
Best for bank transfers
Grey
Best for debit card
MoneyGram Agent
Best for credit card
MoneyGram Agent

Get the most from sending money from Ghana to United States

Comparing providers offering services between Ghana and the United States based on your specific transfer amount, is the easiest way to get the best price on your transfer.

We cover the entire GHS-USD market and have compared 3 providers offering services between Ghana and the United States.

This ensures you will get the most comprehensive options for sending Ghan Cedi to the United States.

Whilst we rate Western Union Agent as the best overall for transfers between the two countries, comparing gives you the best idea for your specific Ghana to the United States transfer needs.

Cheapest way to send money to the United States from Ghana: Grey

Grey offers the cheapest combination of low fees and competitive exchange rates of the 3 providers we compared.

They offer a fee of 0.5 GHS and exchange rate between GHS-USD that is 1% different to the mid-market rate.

In comparison, Grey is 8.83% cheaper than the second-best option.

To secure affordable and great rates on a GHS to the United States transfer, Grey is our recommended choice.

Grey is the cheapest way to send money from Ghana (GHS) to United States (USD) - Grey Screenshot 1
Grey is the cheapest way to send money from Ghana (GHS) to United States (USD) - Grey Screenshot 2
Grey is the cheapest way to send money from Ghana (GHS) to United States (USD) - Grey Screenshot 3

Fastest money transfers to the United States from Ghana: Grey.

Of 3 money transfer companies offering services from Ghana to the United States, Grey is the quickest way to send money.

With Grey , the transfer time to US is minutes, with a 0.5 GHS transfer fee (based on GH₵2,800 transfer)

When testing the fastest options, we compared the 3 money transfer providers offering Ghana to the United States transfers for overall speed. This included transfer times to after depositing Ghan Cedi to a money transfer account.

When you want the fastest way to send, Grey is our recommended choice for Ghana to the United States transfers.

Grey is the fastest way to send money from Ghana (GHS) to United States (USD) - Grey Screenshot 1
Grey is the fastest way to send money from Ghana (GHS) to United States (USD) - Grey Screenshot 2
Grey is the fastest way to send money from Ghana (GHS) to United States (USD) - Grey Screenshot 3

Sending large amounts of money

Transferring Ghan Cedi to US Dollar in large sums calls for a strong exchange rate and hands-on management of the transfer.

Of the
3 companies compared, Western Union Agent has the strongest option for large transfers from Ghana to the United States.

Whatever the reason, sending bigger sums of money can be costly if you get a bad exchange rate from Ghan Cedi to US Dollar.

The Western Union Agent rate makes them great for large transfers between the United States and Ghana.

Understanding the cost of money transfers from Ghana to United States

The total cost of sending money to United States from Ghana is made up of a combination of mid-market, exchange rates and fees.

The Mid-Market and Exchange Rates: The current mid-market for GHS-USD is 0.0909 USD per Ghan Cedi.

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 US Dollar for your Ghan Cedis.

Over the last 7 days, the average GHS-USD mid-market rate has seen each Ghan Cedi worth 0.091 USD. Within this we see a high of 0.0918, and a low of 0.0908.

Of the 3 companies compared, Grey offers the best exchange rates.

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

Fees: When sending money you may have to pay fees. Grey costs 0.5 GHS per transfer at the moment, which is the cheapest option of the 3 providers compared. We would recommend searching to ensure you get the correct fee for your transfer amount.

Amount Received: When comparing providers, the best measure is the amount of US Dollar eventually received in the United States.

This number should be a guide for your decision if cost is important. A higher amount of money received in the United States means a better overall cost of sending money from Ghana.

Getting best exchange rate for sending Ghan Cedi to US Dollar

Timing is essential when tracking the mid-market rate between GHS and USD. The end exchange rate you secure impacts how much USD you get for your GHS.

Mid-market Rate
1 
GHS
=
0.090856 
USD

The recent mid-market rate trends are:

  • Over the past 7 days, the mid-market rate from GHS to USD was 0.091.

  • During this period, it hit a high of 0.0918, and a low of 0.0908.

  • Western Union Agent, which is our recommended service to send money online from Ghana to the United States offers an exchange rate that is only 7% above the mid-market rate.

Want to secure the best GHS-US Dollar 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 the United States!

Payment options for Ghana to
United States money transfers

Bank transfers

Bank transfers are usually the best and easiest way to send money from Ghana to the United States.

By using a money transfer company such as Grey for transfers from Ghana to the United States, 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.


Grey is the cheapest money transfer company for bank transfers from the 3 we compared for transfers from GHS into the United States.

With a fee of 0.5 GHS to send money from Ghana to the United States, Grey offers a strong combination of competitive exchange rates and lower fees.


Debit cards and prepaid options

Sending money from Ghana to the United States 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 the United States. This cost is against a total of 3 money transfer companies offering this option.

Credit cards

When it comes to international credit card transfers from Ghana to the United States, 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 United States 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 United States.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send GHS to USD.


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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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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