West Africa's Mobile Money Hub
Sending toGhana · GHS
Send Money to Ghana at the Best Exchange Rates
Send money to Ghana for less. Compare verified money transfer providers for GBP, USD, CAD, AUD, EUR and NZD to GHS side by side, with exchange rate, fee and delivery speed together, so you can see exactly what your family in Ghana will receive before you send.
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Why compare
Money Transfer to Ghana: A Pillar of West Africa's Remittance Market
Ghana receives several billion dollars a year in remittances, one of the larger inflows in West Africa, from a diaspora spread across the UK, USA, Canada, Australia, New Zealand and Europe. With many providers competing for every money transfer to Ghana, exchange rates and fees vary a lot, which makes comparing the easiest way to get more cedis for your money.
GHS rate spreads vary widely
The gap between the best and worst provider can be several percent on some days. On a £1,000 transfer, that can mean tens of thousands of cedis.
Banks rarely offer the best GHS rate
High-street banks usually add a wider margin to the mid-market rate than specialist providers, so compare before you send from your bank.
Ghana's receiving side is fast
GhIPSS bank transfers and mobile money such as MTN MoMo and Telecel Cash run around the clock, so the real savings are found on the sending side.
Sending corridors
Money Transfer to Ghana: Choose Your Sending Country
Select the corridor that matches where you are sending from to compare the best money transfer rates to Ghana for that specific route.
UK to Ghana money transfer comparison
GBP → GHS
USA to Ghana money transfer comparison
USD → GHS
Canada to Ghana money transfer comparison
CAD → GHS
Australia to Ghana money transfer comparison
AUD → GHS
Europe to Ghana money transfer comparison
EUR → GHS
New Zealand to Ghana money transfer comparison
NZD → GHS
Quick compare
Popular Amounts to Send to Ghana
Jump straight to a comparison for a common transfer amount, in whichever currency you are sending from.
Simple process
How to Send Money to Ghana in 4 Steps
- 1
Choose your corridor
Select where you are sending from and enter the amount. We show you the providers offering that route to Ghana.
- 2
Compare providers
See exchange rates, transfer fees, delivery speed and user ratings for each verified provider, side by side.
- 3
Pick the best deal
Choose the provider that fits your priority: the strongest GHS rate, the lowest fee, or the fastest delivery.
- 4
Send with confidence
Complete the transfer directly with your chosen provider. Many transfers reach Ghana within minutes to 1–3 business days.
Why Leave Cedis on the Table?
Exchange rates and fees differ from one provider to the next, and on a £1,000 transfer to Ghana that difference can add up to a lot of cedis. Remit Select shows exchange rates, fees and delivery speed side by side, in seconds, for free.
How to pay
Ways to Pay When You Send Money to Ghana
Most providers accept several ways to pay. The right choice depends on your bank, the size of your transfer, and how quickly you need the money to arrive.
- Most popular
Bank transfer
Send directly from your bank account. Usually the best rates and no card surcharges, and the most reliable option for larger transfers.
- Instant
Debit card
Fast and convenient, with funds sent immediately. Some providers add a small surcharge.
- Secure
Credit card
Accepted by some providers, though it often carries higher fees and may be treated as a cash advance by your card issuer.
- Instant
Open banking / pay by bank
A newer method offered by select providers: fast setup, no card fees, and strong fraud protection.
- Secure
Cash deposit
Pay cash at an agent location, useful without a bank account. In the USA, cash-funded transfers carry a 1% federal tax.
- Popular
Digital wallet
Pay via PayPal or similar wallets on select platforms. Convenient if you already use one day to day.
How recipients get paid
How Your Family Can Receive Money in Ghana
Ghana supports a wide range of receiving methods, from instant bank deposits and mobile money to cash pickup across the country.
Bank account deposit
Funds go straight into a Ghanaian bank account, often within minutes over GhIPSS. The most reliable method for larger amounts.
- GCB Bank
- Ecobank
- Absa Ghana
- Fidelity Bank
- Stanbic
Mobile money wallet
Many providers pay straight to a mobile money wallet, often near-instantly and without needing a bank account.
- MTN MoMo
- Telecel Cash
- AT Money
Cash pickup
The recipient collects cedis from a local agent. Valid ID matching the name on the transfer is required.
- Western Union
- MoneyGram
- Ria Money
Bank remittance counters
Many major banks offer dedicated remittance services for collecting funds in person.
- Major banks
- Nationwide
Home delivery
Cash delivered to the recipient's door in select cities through certain provider partners.
- Accra
- Kumasi
- Select cities
Licensed forex bureau
Some partner networks pay out through licensed exchange offices in major commercial cities.
- Select providers
- Major cities
Expert advice
Tips to Get the Best Rate When Sending Money to Ghana
Small choices in how, when and how much you send can add up to real savings over a year. Here is what experienced senders know.
Compare before every transfer, even with a regular provider
Exchange rates move daily, and GHS spreads differ a lot between providers. Checking Remit Select before each transfer takes under a minute and can put more cedis in your family's hands.
Compare the final GHS amount, not the headline rate
A great-looking rate can be cancelled out by fees or a hidden margin. Look at what your recipient actually receives after everything is taken into account.
Fund by bank transfer, not card or cash
Card payments can add a surcharge, and in the USA cash-funded transfers carry a 1% federal tax. Bank transfers are usually the cheapest way to fund a transfer to Ghana.
Check mobile money and bank payout options
If your recipient uses MTN MoMo or Telecel Cash, many providers can pay straight to the wallet, often instantly. Always confirm the payout method is supported before you send.
Double-check the recipient's details
For bank deposits, you need the account name exactly as on the account, the account number and the bank name (and branch if asked). A typo can delay or misdirect a transfer.
Regulations
Limits, Taxes and Rules for Sending Money to Ghana
Money transfers to Ghana are regulated on both ends. Understanding the key rules helps you plan a transfer smoothly and avoid unnecessary delays.
- Personal remittances such as family support, education and property are generally permitted, and Ghana does not set a standard annual cap on receiving them.
- Use providers that are licensed or partnered with licensed operators in Ghana and regulated in your sending country.
- Regulated providers verify your identity and may ask for source-of-funds documents on larger transfers under anti-money-laundering rules.
- USA: since 1 January 2026, a 1% federal tax applies to remittances funded with cash, a money order or a cashier's check. Bank account and US debit or credit card funding is exempt.
- Mobile money wallets such as MTN MoMo have their own limits by account tier, so larger amounts are often better sent to a bank account.
Common questions
Send Money to Ghana: Frequently Asked Questions
Everything you need to know about sending money to Ghana.
It depends on where you send from and how much. Specialist money transfer providers usually offer better exchange rates and lower fees than banks. Use Remit Select to compare providers for your corridor and amount, then pick the one that gives your recipient the most cedis.
Compare GBP to GHS providers on Remit Select, choose one, register and verify your ID, enter the amount and your recipient's Ghanaian bank details, then pay from your UK bank account or card. Paying from a bank account usually gives the best rate.
Pick a licensed provider, register and verify your identity, enter your recipient's name, bank and account number, and choose how to pay. Most providers show the exchange rate, fee and exact GHS amount before you confirm.
The best rate is the one closest to the mid-market rate with the lowest fees. It changes daily and differs by provider, amount and payment method, so compare the final GHS amount received, not just the headline rate.
Many digital transfers arrive within minutes to 1–3 business days. Bank deposits over GhIPSS and mobile money payouts can be near-instant with some providers, while cash pickup depends on the agent network and your chosen provider.
Three things: the exchange rate applied, the transfer fee, and any margin the provider adds to the mid-market rate. Card payments can add a surcharge too. Compare all of these together to see the true cost.
Ghana does not set a standard annual cap on personal inward remittances. Each provider sets its own per-transfer limits, and larger amounts usually need extra ID or source-of-funds checks.
Since 1 January 2026, the USA charges a 1% federal tax on remittances funded with cash, a money order or a cashier's check. Transfers funded from a bank account or a US debit or credit card are exempt.
For bank deposits: the recipient's full name as on the account, their account number and bank name. For mobile money payouts: the registered mobile number. For cash pickup: their full name matching a valid government-issued ID.
Major commercial banks such as GCB Bank, Ecobank, Absa Ghana, Fidelity Bank and Stanbic Bank accept international remittances. Which banks a provider pays into depends on the provider, so check before you send.