Send Money To Ghana

Personal
Business
From
United States Flag
United States
USD
To
Ghana Flag
Ghana
GHS
1 USD equals
15.596 GHS
Updated on April 6, 2025
 
How much to transfer?
$1-$1k
$1k-$10k
$10k +
Provider
Features
Fees
Score
Speed
Transfer Now
XE Money Transfer Logo
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    Fee-free transfers
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    Competitive exchanges rates
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    Limit orders
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    Multilingual website and customer service
$
$
$

low

Fees
71
Speed Icon

medium

2-3 days

More Information
+

Wise Logo
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    Transparent fee structure
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    Send money to email addresses
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    Multicurrency account with debit card
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    Multilingual website & app
$
$
$

low

Fees
75
Speed Icon

fast

1-2 days

More Information
+

How to send money to Ghana

How To Step Icon
Step 1
Examine options, sign up
Examine options, sign up
Start by looking at the best companies that let you send money to Ghana.
Make a selection based on any specific requirement you might have.
Provide the mandatory information needed to sign up as an individual or business customer. Include details from a valid identity document such as your driver's license or passport.
How To Step Icon
Step 2
Check exchange rate, initiate the transfer
Check exchange rate, initiate the transfer
Review the GHS exchange rate history to give you an indication if it is a good time to send money to Ghana.
To begin the transfer process, get a rate quote from your service provider by letting them know the amount you plan to transfer.
Confirm the transfer by locking the exchange rate.
Enter the recipient's bank account details.
How To Step Icon
Step 3
Pay and track your transfer
Pay and track your transfer
Make your payment using any of the available methods.
Once your service provider gets the payment, it begins the process of transferring money to Ghana.
Most companies let their customers track transfers online, and some also provide timely notifications via text messages.

Currency Symbol and Swift Codes

The Ghanaian cedi (GHS) is the official of currency of Ghana. The first cedi was introduced in 1965, and it was replaced by the second cedi in 1967. The third cedi has been in use since July 2007. One cedi is divided into 100 pesewas.

If you plan to send money to a Ghanaian bank account, you will need the bank’s SWIFT code. Here are SWIFT codes of some of the top banks in Ghana.

BANKBRANCHSWIFT CODE
Ghana Commercial Bank (GCB)AccraGHCBGHACXXX
Ecobank GhanaAccraECOCGHACCUS
Zenith BankAccraZEBLGHACXXX
Barclays Bank of GhanaAccraBARCGHACXXX

 

Case Study

Emanuel had to move from Ghana to the UK because of work. However, his parents and younger sister stayed back in Ghana. After getting to the UK, Emanuel was to start sending some money back home to his parents. Using the bank he banked with in the UK was an option, but he decided to compare his alternatives. This is what he found after running a comparison.

 BANKMONEY TRANSFER SERVICE
Exchange rateGBP 1 = GHS 5.7632GBP 1 = GHS 6.0070
Transfer feeGBP 20GBP 0
Amount received for GBP 1,500GHS 8,471.90GHS 9,010.50
Transfer time3 to 6 days2 to 3 days
Transfer optionsBank accountBank account
Difference of GHS 538.60

Emmanuel decided to go with the money transfer company instead of the bank because it resulted in his parents receiving a little extra money, and the company offered a quicker turnaround time too. In addition, it gave Emanuel the ability to schedule transfers according to his needs.

 

Cash Pickup Locations in Ghana

If sending money to Ghana in a hurry is your top priority, consider using the services of a company that has cash pickup centers in the country. Some of your options include Western Union, MoneyGram, WorldRemit, Ria, and Azimo.

WESTERN UNION IN GHANA 
Accra Katamanto Branch Tarzan Building, Katamanto Ac AccraAirport Square Plot 21, Airport City Accrra
Kumasi Best Point Suame, Suame Water Works KumaseFirst Allied Sandl Sokoban, Sokoban Wood Village, Adum Kumasi, Kumasi
MONEYGRAM IN GHANA 
Accra The Royal Bank - Accra - Abeka Branch, Adjacent Aryton Drugs, AccraFBN Bank Ghana - Kaneshie Atico Junction, Accra
Kumasi Ecobank Ghana Ltd, Pampaso Kejetia PMB GPO KumasiEcobank Ghana Ltd - Ashtown PMB GPO St. Anne's Anglican Church Building Kumasi

 

Safety Tips for Picking Up Cash in Ghana

If you plan to collect a large sum of money from a cash pickup center, consider taking someone you trust along. Petty crimes such as bag snatching and pickpocketing are common, as are attacks by motorbike-borne criminals. If you are at the receiving end of an armed robbery, do not resist as it can lead to disastrous consequences.

Avoid walking alone, especially after dark. Thefts have been reported from hotel rooms so keep your valuables with care.

 

What Information Do I Need to Transfer Money to Ghana?

The information you need to carry out a money transfer to Ghana depends on how you want the recipient to receive the transferred funds.

  • Bank account. Information needed to send money to a bank account in Ghana includes the recipient’s complete name, a bank account number, the receiving bank’s name, and the receiving bank’s SWIFT code.
  • Cash pickup center. Along with the recipient’s complete name, you will need the location of a suitable cash pickup center. The recipient may collect the money by carrying a valid form of photo ID and a transaction number.

 

Regulations When Transferring Money To and From Ghana

The Ghanaian cedi is a fully convertible free flowing currency so you may trade in it easily. While the country imposed strict transfer regulations in 2014, most have been lifted because of the resultant burden caused to different financial institutions. The Bank of Ghana is responsible for overseeing the country’s payment and financial systems.

The maximum you may carry out of the country as cash is U.S. $5,000 or its equivalent in another currency. The maximum limit for over-the-counter foreign currency withdrawal is set at U.S. $10,000 or its equivalent in another currency.

Convert USD to GHS

Check out the historical exchange rates for the last thirty days. Learn how much you can save by using a global money transfer company instead of the big banks.
USD
GHS
Sending money online through specialist money transfer companies.

Expect to receive between GHC1543.99 and GHC1553.35 when sending money from USD to GHS at today's exchange rate.

Compare that to sending money overseas through retail banks. Expect to receive approximately GHC1481.61, not including additional banking fees. That is an average saving of GHC67.06.
Currency exchange rate in the last 30 days

Need more information?

Read useful guides on international remittance and more detailed reviews on the best money transfer services.

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