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Send money from Canada to Ghana(CAD → GHS)
CAD
GHS|Updated recentlyMid-market 8.0080Cheapest todayof 7 providers
LemFi
Rate 7.9952 · Fee free
You send
C$1,000
Recipient gets
₵7,995
₵51 more than the most expensive provider · 0.16% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from Canada to Ghana in July 2026 is LemFi, which delivers 7,995.21 GHS on a 1,000 CAD transfer with a fee of zero. According to SendMoneyCompare's comparison of 7 providers updated every 6 hours, the difference between the cheapest and most expensive provider on this corridor is 51 GHS.
Last reviewed: by Awais Imran, Reviews Editor
What is the cheapest way to send CAD to GHS?
Sending C$1,000 from Canada to Ghana. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 7.9952·Fee Free·0.16% markup
Best rate 47 of 74 days
↓ 4.8% over 67dAvg: 8.14 GHS (-1.8% vs avg)Range: 7.90–8.52
1
LemFiBest value
Minutes to 1 business day0.16% markup
Best rate 47 of 74 days
↓ 4.8% over 67dAvg: 8.14 GHS (-1.8% vs avg)Range: 7.90–8.52
7.9952
Free
₵7,995.21
Rate 7.9800·Fee Free·0.35% markup
Most stable rate
↓ 3.4% over 74dAvg: 8.15 GHS (-2.1% vs avg)Range: 7.90–8.52
2
Under 3 minutes (95% of transfers)0.35% markup
Most stable rate
↓ 3.4% over 74dAvg: 8.15 GHS (-2.1% vs avg)Range: 7.90–8.52
7.9800
Free
₵7,979.99
Rate 7.9279·Fee C$10.00·1.00% markup
Rate 7.8919·Fee C$14.50·1.45% markup
Rate 7.8863·Fee C$15.20·1.52% markup
Rate 7.7566·Fee C$31.40·3.14% markup
Rate 7.9440·Fee Free·0.80% markup
Potential savings: Choosing the best provider over the most expensive saves your recipient ₵51.25 on a C$1,000 transfer.
Some links on this page are affiliate links. We may earn a commission at no extra cost to you. This does not affect our rankings, which are based on real transfer data. Editorial policy
Find the best way to send money from Canada to Ghana. Our comparison tool shows live rates from 15+ providers — see exactly how much GHS your recipient will receive after all fees.
Whether you're supporting family in Ghana or paying for business services, finding the cheapest way to send money from Canada matters. Exchange rate markups and transfer fees add up — especially on regular transfers. Our real-time comparison helps you cut costs by showing the exact amount your recipient gets from each provider.
Which provider offers the best CAD to GHS rate?
LemFi
4.4Exchange rate
7.9952
Fee
Free
Recipient gets
₵7,995.21
Speed
Minutes to 1 business day
Also available · Digital-asset rails
Crypto & stablecoin routes for CAD → GHS
For a tech-comfortable sender, stablecoin rails can beat every bank and app. These aren't one-tap services — each is a fiat on-ramp → blockchain → local cash-out. Here's the all-in cost and how each works.
OKX P2PBeats mid-market
Kraken → Solana (USDC) → OKX P2P · ~1 second
8,437 GHS
5.49% rebate all-in
+
OKX P2PBeats mid-market
Kraken → Solana (USDC) → OKX P2P · ~1 second
8,437 GHS
5.49% rebate all-in
- 1Kraken CAD→USDC: 0.26%
- 2Solana network: 0.000250 USDC
- 3OKX P2P: 1% spread
- 40.00% withdrawal fee
Also routable via Solana (USDC), Polygon (USDC), Arbitrum (USDC), Tron (USDT).
Source: OKX P2P API
Crypto rails involve exchange accounts, wallets, and price/liquidity risk. Costs are estimates from live exchange and network data, refreshed every 6 hours. Not financial advice.
Guides, fees & how it works
Which provider is best for each transfer type?
Different providers excel at different things. Here's who's best for each use case on the Canada to Ghana route.
Cheapest transfer
LemFi
Delivers the most GHS for your money
Fastest transfer
LemFi
Delivers in Minutes to 1 business day
Cash pickup
Remitly
Widest cash pickup network
Bank transfer
LemFi
Best rate for bank deposit to Ghana
How to send money to Ghana
Sending money to Ghanais straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much CAD you want to send, compare providers above, and pick the one offering the best GHS amount for your transfer to Ghana.
Step 2
Add your recipient
Enter your recipient's details in Ghana — you'll need their bank account number. Most providers verify details instantly.
Step 3
Send & track your transfer
Pay using bank transfer, debit card, or credit card. Track your money in real-time until it arrives — mtn mobile money (momo) typically takes minutes.
What you need to send money to Ghana
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's name as it appears on their bank account or mobile money registration
Bank account number
OptionalGhanaian bank account number (13–16 digits)
Mobile money number
OptionalMTN MoMo, AirtelTigo Money, or Vodafone Cash registered mobile number
Bank name
OptionalName of the receiving bank if using bank deposit
Note: Ghana is a mobile money-driven economy. MTN Mobile Money (MoMo) is the most popular option. For bank transfers, you need the account number and bank name.
Transfer examples: CAD to GHS
See how much your recipient would get for common transfer amounts.
Send C$500
ProviderFeeReceives
LemFi
8.00 · Minutes to 1 business day
TapTap Send
7.98 · Under 3 minutes (95% of transfers)
InstaReM
7.93 · 1-3 business days
Wise
7.89 · ~3 business days
Remitly
7.89 · Minutes
Western Union
7.76 · Minutes to 5 days
ProviderFeeRateReceivesSpeed
LemFiFree8.00₵3,998Minutes to 1 business day
TapTap SendFree7.98₵3,990Under 3 minutes (95% of transfers)
InstaReMC$2.007.93₵3,9481-3 business days
WiseC$2.907.89₵3,923~3 business days
RemitlyC$3.047.89₵3,919Minutes
Western UnionC$6.287.76₵3,830Minutes to 5 days
Send C$1,000
ProviderFeeReceives
LemFi
8.00 · Minutes to 1 business day
TapTap Send
7.98 · Under 3 minutes (95% of transfers)
InstaReM
7.93 · 1-3 business days
Wise
7.89 · ~3 business days
Remitly
7.89 · Minutes
Western Union
7.76 · Minutes to 5 days
ProviderFeeRateReceivesSpeed
LemFiFree8.00₵7,995Minutes to 1 business day
TapTap SendFree7.98₵7,980Under 3 minutes (95% of transfers)
InstaReMC$10.007.93₵7,8491-3 business days
WiseC$14.507.89₵7,777~3 business days
RemitlyC$15.207.89₵7,766Minutes
Western UnionC$31.407.76₵7,513Minutes to 5 days
Send C$5,000
ProviderFeeReceives
LemFi
8.00 · Minutes to 1 business day
TapTap Send
7.98 · Under 3 minutes (95% of transfers)
InstaReM
7.93 · 1-3 business days
Wise
7.89 · ~3 business days
Remitly
7.89 · Minutes
Western Union
7.76 · Minutes to 5 days
ProviderFeeRateReceivesSpeed
LemFiFree8.00₵39,976Minutes to 1 business day
TapTap SendFree7.98₵39,900Under 3 minutes (95% of transfers)
InstaReMC$50.007.93₵39,2431-3 business days
WiseC$72.507.89₵38,887~3 business days
RemitlyC$76.007.89₵38,832Minutes
Western UnionC$157.007.76₵37,565Minutes to 5 days
How much does it cost to send money from Canada to Ghana?
Transfer fees from Canada to Ghana vary by provider. Specialist services charge C$0–10 per transfer, while banks charge C$25–50 plus a 2–5% exchange rate markup. The exchange rate markup is usually the bigger cost — always compare the total GHS your recipient receives, not just the advertised fee.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically C$0–C$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (8.0080).
Ways to send money to Ghana
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
Mobile money is the preferred method in Ghana, with MTN MoMo leading the market. It's accessible even in rural areas where bank branches are scarce.
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Google Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Cash
Medium costSpeed: Varies
Pay cash at an agent location — available at select providers
How can my recipient receive money in Ghana?
Your recipient in Ghana can receive money through these delivery methods. The best option depends on their location and preferences.
MTN Mobile Money (MoMo)
Minutes
Ghana's most popular mobile money platform. Fast and widely accessible.
RemitlyWorldRemitWestern Union
Bank Deposit
1–2 business days
Transfer to Ghanaian bank accounts.
WiseWorldRemitWestern Union
Cash Pickup
Minutes
Collect cash from agent locations across Ghana.
Western UnionMoneyGramRia Money Transfer
Vodafone Cash
Minutes
Transfer to Vodafone Cash mobile wallet.
WorldRemit
What are the transfer limits and regulations for Ghana?
Important rules and requirements to know before sending money to Ghana.
Regulatory body
Bank of Ghana (BoG)
Inbound transfer limits
No restriction on incoming remittances
Documentation you may need
- Sender's government-issued ID
- Recipient's Ghana Card or voter's ID for cash pickups
Important things to know
- Mobile money transactions have daily and monthly limits set by the Bank of Ghana.
- Ghana does not tax incoming remittances.
- The Ghana cedi (GHS) can be volatile — compare rates at the time of sending.
How long does it take to send money to Ghana?
Most transfers from Canada to Ghana arrive within 1–2 business days with specialist providers. Bank wires take 3–5 business days. Some providers offer instant or same-day delivery to Ghana for a small premium.
FastExpress delivery
- LemFiMinutes to 1 business day
- TapTap SendUnder 3 minutes (95% of transfers)
- RemitlyMinutes
- Western UnionMinutes to 5 days
Standard delivery
- InstaReM1-3 business days
- Wise~3 business days
- Regency FXSame day to 2 business days
Popular banks in Ghana
These are the most commonly used banks for receiving international transfers in Ghana.
BankSWIFT/BICNotes
GCB Bank
GHCBGHACXXX
Ecobank Ghana
EABORINHXXX
Absa Bank Ghana
BABORINHXXX
Stanbic Bank Ghana
SBICGHACXXX
Fidelity Bank Ghana
FBLIGHACXXX
CAD to GHS Exchange Rate History
Daily best exchange rates from top providers over the last 74 days. Rates shown are for sending $100.
| Date | TapTap Send | __mid Market__ | LemFi |
|---|---|---|---|
| Trend | |||
| Jul 26 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 25 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 24 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 23 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 22 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 21 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 20 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 19 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 18 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 17 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 16 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 15 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 14 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 13 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 12 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 11 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 10 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 9 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 8 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 7 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 6 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 5 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 4 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 3 | 7.9800 | 7.9800 | 7.9956✓ |
| Jul 2 | 7.9700✓ | 7.9700✓ | 7.9694 |
| Jul 1 | 7.9700✓ | 7.9694 | 7.9694 |
| Jun 30 | 7.9700✓ | 7.9689 | 7.9689 |
| Jun 29 | 7.9500 | 7.9537✓ | 7.9537✓ |
| Jun 28 | 7.9500 | 7.9537✓ | 7.9537✓ |
| Jun 27 | 7.9500 | 7.9537✓ | 7.9537✓ |
| Jun 26 | 7.9000 | 7.9000 | 7.9045✓ |
| Jun 25 | 7.9200✓ | 7.9179 | 7.9179 |
| Jun 24 | 7.9500✓ | 7.9470 | 7.9470 |
| Jun 23 | 7.9400✓ | 7.9380 | 7.9380 |
| Jun 22 | 7.9600✓ | 7.9584 | 7.9584 |
| Jun 21 | 7.9600✓ | 7.9584 | 7.9584 |
| Jun 20 | 7.9600✓ | 7.9584 | 7.9584 |
| Jun 19 | 7.9800 | 8.0395✓ | 8.0395✓ |
| Jun 18 | 8.0400✓ | 8.0395 | 8.0395 |
| Jun 17 | 8.0000 | 8.0263✓ | 8.0263✓ |
| Jun 16 | 8.0000 | 8.0263✓ | 8.0263✓ |
| Jun 15 | 8.0000 | 8.0263✓ | 8.0263✓ |
| Jun 14 | 8.0000 | 8.0263✓ | 8.0263✓ |
| Jun 13 | 8.0000 | 8.0263✓ | 8.0263✓ |
| Jun 12 | 8.0000 | 8.0263✓ | 8.0263✓ |
| Jun 11 | 8.4900✓ | 8.4860 | 8.4860 |
| Jun 10 | 8.4900✓ | 8.4860 | 8.4860 |
| Jun 9 | 8.4700 | 8.4909✓ | 8.4909✓ |
| Jun 8 | 8.5000✓ | 8.4985 | 8.4985 |
| Jun 7 | 8.5000✓ | 8.4985 | 8.4985 |
| Jun 6 | 8.5000✓ | 8.4985 | 8.4985 |
| Jun 5 | 8.4900 | 8.4900 | 8.4914✓ |
| Jun 4 | 8.5200 | 8.5204✓ | 8.5204✓ |
| Jun 3 | 8.5000✓ | 8.5000✓ | 8.4975 |
| Jun 2 | 8.5200 | 8.5223✓ | 8.5223✓ |
| Jun 1 | 8.4900 | 8.4900 | 8.4913✓ |
| May 31 | 8.4900 | 8.4900 | 8.4913✓ |
| May 30 | 8.4900 | 8.4900 | 8.4913✓ |
| May 29 | 8.4300✓ | 8.4300✓ | 8.4294 |
| May 28 | 8.4400 | 8.4415✓ | 8.4415✓ |
| May 27 | 8.4400 | 8.4415✓ | 8.4415✓ |
| May 26 | 8.4200✓ | 8.4184 | 8.4184 |
| May 25 | 8.4100✓ | 8.4067 | 8.4067 |
| May 24 | 8.3400 | 8.4067✓ | 8.4067✓ |
| May 23 | 8.4100✓ | 8.4100✓ | 8.4067 |
| May 22 | 8.4000 | 8.4101✓ | 8.4101✓ |
| May 21 | 8.3300 | 8.3974✓ | 8.3974✓ |
| May 20 | 8.3300✓ | 8.3300✓ | — |
| May 19 | 8.2800✓ | 8.2800✓ | — |
| May 18 | 8.2800✓ | 8.2800✓ | — |
| May 17 | 8.2800✓ | 8.2800✓ | — |
| May 16 | 8.2800✓ | 8.2800✓ | — |
| May 15 | 8.2600✓ | 8.2600✓ | — |
| May 14 | 8.2600✓ | 8.2600✓ | — |
Frequently asked questions
Common questions about sending money from Canada to Ghana
What is the cheapest way to send money from Canada to Ghana?
The cheapest option changes daily based on exchange rates. Use our comparison table above to see today's rates from every provider. Specialist services like Wise, Remitly, and OFX consistently offer better value than banks.
How long does it take to send money from Canada to Ghana?
Most specialist providers deliver to Ghana within 1–2 business days. Some offer instant delivery for certain payment methods. Bank wires typically take 3–5 business days.
How much does it cost to send C$1,000 from Canada to Ghana?
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much GHS your recipient would receive from a C$1,000 transfer today.
Can I send money from Canada to Ghana online?
Yes, all the providers we compare support online transfers from Canada to Ghana. Most also offer mobile apps. You can typically pay by bank transfer, debit card, or credit card.
Is it better to use a bank or a money transfer service to send money to Ghana?
Money transfer services are almost always cheaper. Banks typically charge C$25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge C$0–10 with markups under 1%, saving you significantly on every transfer to Ghana.
More for this corridor
Everything about sending money to Ghana
Recipient requirements, delivery methods, regulations, popular banks, and more.
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