Send money to Ghana

Digital-first providers like Wise and Remitly typically offer the lowest total cost for transfers to Ghana. Sending via bank transfer funding and choosing MTN MoMo delivery avoids card fees and gets your recipient their cedis in minutes. Always compare the total GHS received, not just the transfer fee.

MTN MoMo and Vodafone Cash deliveries usually arrive within minutes. Bank deposits to Ghanaian accounts take 1–2 business days. Cash pickup through Western Union or MoneyGram is typically available within an hour of the sender completing payment.

Yes. Providers including WorldRemit, Remitly, and Sendwave support direct transfers to MTN MoMo wallets. You just need the recipient's registered MTN phone number (starting with 024, 054, or 055). Funds land instantly once the transfer is processed.

You'll need the recipient's full name as it appears on their account, their bank name (e.g. GCB Bank, Ecobank, Stanbic), branch, and account number. Ghana does not use IBAN — standard local account numbers are used for domestic bank transfers.

Vodafone Cash works well for recipients on the Vodafone network. However, MTN MoMo has significantly wider acceptance and more provider support internationally. If your recipient has both, MoMo is usually the safer choice for receiving international transfers.

Absolutely. Western Union and MoneyGram have hundreds of cash pickup locations across all 16 regions of Ghana, including inside banks, post offices, and dedicated agent shops. Your recipient just needs a valid Ghana Card or passport and the transaction reference number.

The Ghanaian cedi has experienced notable depreciation in recent years, so rates fluctuate frequently. Providers set their own GHS rates with varying markups over the mid-market rate — differences of 2–4% are common. Comparing three or four providers before each transfer can save meaningful amounts.

Ghana does not tax incoming personal remittances. However, the government introduced the Electronic Transfer Levy (E-Levy) in 2022, which applies a 1% charge on certain electronic transactions including mobile money transfers above GHS 100 per day. This levy applies to domestic transfers, not directly to inbound international remittances, but subsequent mobile money movements may trigger it.

Wise, Remitly, and WorldRemit consistently compete for the best GHS exchange rates. Sendwave (owned by WorldRemit) also offers strong rates for mobile-money-only delivery. Traditional operators like Western Union and MoneyGram tend to have wider margins but more cash pickup locations.

The Bank of Ghana does not impose a cap on incoming remittances for personal use. However, your sending provider will have their own per-transaction and daily limits based on your verification level. Most providers allow $5,000–$10,000 per transfer once fully verified, with higher limits available on request.