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Send money from Spain to Ghana(EUR → GHS)
EUR
GHS|Updated recentlyMid-market 13.3217Cheapest todayof 14 providers
Profee
Rate 13.5681 · Fee €2.95
You send
€1,000
Recipient gets
₵13,528
₵310 more than the most expensive provider
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from Spain to Ghana in May 2026 is Profee, which delivers 13,528.12 GHS on a 1,000 EUR transfer with a fee of €2.95. According to SendMoneyCompare's comparison of 14 providers updated every 6 hours, the difference between the cheapest and most expensive provider on this corridor is 313 GHS.
Last reviewed: by Awais Imran, Reviews Editor
↑
Rates are great right now
100th percentile
Based on 54 days of data (2026-03-28 to 2026-05-20)
Today's best
₵1,350.49
Paysend
54-day avg
1 EUR = 13.02 GHS
Best rate
13.50
2026-05-20 · Paysend
Worst rate
12.59
2026-03-31 · TapTap Send
What is the cheapest way to send EUR to GHS?
Sending €1,000 from Spain to Ghana. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 13.5681·Fee €2.95
↑ 0.2% over 7dAvg: 13.55 GHS (+0.1% vs avg)Range: 13.54–13.58
1
13.5681
€2.95
₵13,528.12
Rate 13.5135·Fee Free
↑ 4.5% over 7dAvg: 13.27 GHS (+1.8% vs avg)Range: 12.92–13.50
Rate 13.3510·Fee Free
↑ 0.4% over 7dAvg: 13.30 GHS (+0.3% vs avg)Range: 13.28–13.34
Rate 13.3630·Fee €0.90
↑ 0.5% over 7dAvg: 13.30 GHS (+0.4% vs avg)Range: 13.28–13.35
4
13.3630
€0.90
₵13,350.97
Rate 13.3510·Fee €0.99
↑ 0.4% over 7dAvg: 13.30 GHS (+0.3% vs avg)Range: 13.28–13.34
5
13.3510
€0.99
₵13,337.79
Rate 13.3430·Fee €0.99
↑ 0.6% over 12dAvg: 13.29 GHS (+0.4% vs avg)Range: 13.26–13.34
6
13.3430
€0.99
₵13,329.80
Rate 13.2498·Fee Free·0.54% markup
Best rate 48 of 54 days
↑ 4.7% over 54dAvg: 13.00 GHS (+1.9% vs avg)Range: 12.59–13.29
7
Under 3 minutes (95% of transfers)0.54% markup
Best rate 48 of 54 days
↑ 4.7% over 54dAvg: 13.00 GHS (+1.9% vs avg)Range: 12.59–13.29
13.2498
Free
₵13,249.76
Rate 13.3816·Fee €11.64
Rate up 6.3%
↑ 6.3% over 53dAvg: 13.01 GHS (+2.8% vs avg)Range: 12.58–13.38
8
13.3816
€11.64
₵13,225.88
Rate 13.2205·Fee Free·0.76% markup
↑ 0.1% over 7dAvg: 13.17 GHS (+0.3% vs avg)Range: 13.12–13.23
9
13.2205
Free
₵13,220.45
Rate 13.1898·Fee €3.00·0.99% markup
↑ 0.4% over 7dAvg: 13.14 GHS (+0.2% vs avg)Range: 13.11–13.23
10
13.1898
€3.00
₵13,150.24
Rate 13.0819·Fee €0.90·1.80% markup
↑ 3.6% over 7dAvg: 12.95 GHS (+1.0% vs avg)Range: 12.63–13.08
11
Minutes to 2 days1.80% markup
↑ 3.6% over 7dAvg: 12.95 GHS (+1.0% vs avg)Range: 12.63–13.08
13.0819
€0.90
₵13,070.13
Rate 13.0366·Fee Free·2.14% markup
↑ 6.2% over 42dAvg: 12.65 GHS (+3.0% vs avg)Range: 12.23–13.04
12
13.0366
Free
₵13,036.61
Rate 12.9793·Fee €2.99·2.57% markup
2.6% markup
↑ 0.1% over 7dAvg: 12.93 GHS (+0.3% vs avg)Range: 12.89–12.99
13
0-4 days2.57% markup
2.6% markup
↑ 0.1% over 7dAvg: 12.93 GHS (+0.3% vs avg)Range: 12.89–12.99
12.9793
€2.99
₵12,940.52
Rate 13.2151·Fee Free·0.80% markup
Potential savings: Choosing the best provider over the most expensive saves your recipient ₵313.00 on a €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
Sending money from Spain to Ghana? Compare real-time exchange rates and fees across leading money transfer services. Find the provider that gives you the best GHS amount today.
Spanish expats and immigrants regularly send money to Ghana. The cost difference between providers can be significant — banks typically charge 3–5% in hidden exchange rate markups, while specialist services like Wise, Remitly, and WorldRemit offer rates much closer to the mid-market rate. Our comparison shows the total GHS received from each provider after all fees and markups.
Which provider offers the best EUR to GHS rate?
Profee
4.1Exchange rate
13.5681
Fee
€2.95
Recipient gets
₵13,528.12
Speed
Instant
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 Spain to Ghana route.
Cheapest transfer
Profee
Delivers the most GHS for your money
Fastest transfer
Profee
Delivers in Instant
Cash pickup
MoneyGram
Widest cash pickup network
Bank transfer
Profee
Best rate for bank deposit to Ghana
How to send money to Ghana
Sending money to Ghana is straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much EUR 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: EUR to GHS
See how much your recipient would get for common transfer amounts.
Send €500
ProviderFeeReceives
Paysend
13.51 · 2 days
Profee
13.57 · Instant
Sendwave
13.35 · Instant
MoneyGram
13.36 · 0-1 days
WorldRemit
13.35 · 0-3 days
Remitly
13.34 · Minutes to 3-5 days
ProviderFeeRateReceivesSpeed
PaysendFree13.51₵6,7572 days
Profee€2.0513.57₵6,756Instant
SendwaveFree13.35₵6,676Instant
MoneyGram€0.9013.36₵6,6690-1 days
WorldRemit€0.9913.35₵6,6620-3 days
Remitly€0.9913.34₵6,658Minutes to 3-5 days
Send €1,000
ProviderFeeReceives
Profee
13.57 · Instant
Paysend
13.51 · 2 days
Sendwave
13.35 · Instant
MoneyGram
13.36 · 0-1 days
WorldRemit
13.35 · 0-3 days
Remitly
13.34 · Minutes to 3-5 days
ProviderFeeRateReceivesSpeed
Profee€2.9513.57₵13,528Instant
PaysendFree13.51₵13,5142 days
SendwaveFree13.35₵13,351Instant
MoneyGram€0.9013.36₵13,3510-1 days
WorldRemit€0.9913.35₵13,3380-3 days
Remitly€0.9913.34₵13,330Minutes to 3-5 days
Send €5,000
ProviderFeeReceives
Profee
13.57 · Instant
Paysend
13.51 · 2 days
Wise
13.38 · 1h 12m
MoneyGram
13.36 · 0-1 days
Sendwave
13.35 · Instant
WorldRemit
13.35 · 0-3 days
ProviderFeeRateReceivesSpeed
Profee€2.0513.57₵67,813Instant
PaysendFree13.51₵67,5682 days
Wise€2.9913.38₵66,8681h 12m
MoneyGram€0.9013.36₵66,8030-1 days
SendwaveFree13.35₵66,755Instant
WorldRemit€0.9913.35₵66,7420-3 days
How much does it cost to send money from Spain to Ghana?
Transfer fees from Spain to Ghana vary by provider. Specialist services charge €0–10 per transfer, while banks charge €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 €0–€10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (13.3217).
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
Cash
Medium costSpeed: Varies
Pay cash at an agent location — available at select providers
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Google Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
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 Spain 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
- ProfeeInstant
- SendwaveInstant
- RemitlyMinutes to 3-5 days
- TapTap SendUnder 3 minutes (95% of transfers)
- Ria Money TransferMinutes to 2 days
Standard delivery
- Paysend2 days
- MoneyGram0-1 days
- WorldRemit0-3 days
- Wise1h 12m
- XE0-3 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
EUR to GHS Exchange Rate History
Daily best exchange rates from top providers over the last 54 days. Rates shown are for sending $100.
| Date | TapTap Send | __mid Market__ | Wise | InstaReM | Remitly |
|---|---|---|---|---|---|
| Trend | |||||
| May 20 | 13.2500 | 13.5607✓ | 13.3818 | 13.0366 | 13.3417 |
| May 19 | 13.2000 | 13.5775✓ | 13.3276 | 12.9583 | 13.2999 |
| May 18 | 13.2000 | 13.5547✓ | 13.2709 | 12.9217 | 13.2940 |
| May 17 | 13.2800 | 13.5421✓ | 13.2943 | 12.9306 | 13.2849 |
| May 16 | 13.2800 | 13.5376✓ | 13.2943 | 12.9306 | 13.2849 |
| May 15 | 13.2900 | 13.5385✓ | 13.2590 | 12.8027 | 13.2803 |
| May 14 | 13.2900 | 13.5385✓ | 13.2695 | 12.9135 | 13.2809 |
| May 13 | 13.2300 | 13.2300 | 13.2763 | 12.9105 | 13.3020✓ |
| May 12 | 13.2300 | 13.2300 | 13.2804 | 12.9176 | 13.2890✓ |
| May 11 | 13.2300 | 13.2300 | 13.2421 | 12.8768 | 13.2612✓ |
| May 10 | 13.2300 | 13.2300 | 13.2940✓ | 12.9468 | 13.2668 |
| May 9 | 13.2300 | 13.2300 | 13.2940✓ | 12.9468 | 13.2668 |
| May 8 | 13.2300✓ | 13.2300✓ | 13.2299 | 12.8702 | — |
| May 7 | 13.1400 | 13.1400 | 13.2149✓ | 12.8813 | — |
| May 6 | 13.1200 | 13.1200 | 13.1358✓ | 12.7727 | — |
| May 5 | 13.1200✓ | 13.1200✓ | 13.0906 | — | — |
| May 4 | 13.1000 | 13.1000 | 13.1136✓ | — | — |
| May 3 | 13.1000 | 13.1000 | 13.1159✓ | 12.7737 | — |
| May 2 | 13.1000 | 13.1000 | 13.1159✓ | 12.7737 | — |
| May 1 | 13.1000 | 13.1000 | 13.1320✓ | 12.7886 | — |
| Apr 30 | 13.0100 | 13.0100 | 13.0643✓ | — | — |
| Apr 29 | 13.0400✓ | 13.0400✓ | 13.0312 | — | — |
| Apr 28 | 12.9900 | 12.9900 | 13.0014✓ | — | — |
| Apr 27 | 12.9900 | 12.9900 | 13.0017✓ | — | — |
| Apr 26 | 12.9900 | 12.9900 | 12.9958✓ | — | — |
| Apr 25 | 12.9900 | 12.9900 | 12.9958✓ | — | — |
| Apr 24 | 12.9800✓ | 12.9800✓ | 12.9514 | — | — |
| Apr 23 | 13.0200✓ | 13.0200✓ | 12.9672 | — | — |
| Apr 22 | 13.0300✓ | 13.0300✓ | 12.9889 | — | — |
| Apr 21 | 13.0800✓ | 13.0800✓ | 13.0282 | 12.6787 | — |
| Apr 20 | 13.0300✓ | 13.0300✓ | 12.9897 | 12.6386 | — |
| Apr 19 | 13.0300✓ | 13.0300✓ | 12.9987 | 12.6473 | — |
| Apr 18 | 13.0300✓ | 13.0300✓ | 12.9987 | 12.6473 | — |
| Apr 17 | 13.0400✓ | 13.0400✓ | 13.0070 | 12.6554 | — |
| Apr 16 | 13.0500✓ | 13.0500✓ | 13.0367 | 12.6756 | — |
| Apr 15 | 12.9100 | 12.9100 | 13.0224✓ | 12.6668 | — |
| Apr 14 | 12.9500 | 12.9500 | 12.9794✓ | 12.5882 | — |
| Apr 13 | 12.8900✓ | 12.8900✓ | 12.8479 | 12.4364 | — |
| Apr 12 | 12.8900 | 12.8900 | 12.9327✓ | 12.5785 | — |
| Apr 11 | 12.8900 | 12.8900 | 12.9327✓ | 12.5785 | — |
| Apr 10 | 12.8900✓ | 12.8900✓ | 12.8771 | 12.4438 | — |
| Apr 9 | 12.7500 | 12.7500 | 12.8375✓ | 12.4073 | — |
| Apr 8 | 12.7200 | 12.7200 | 12.8565✓ | 12.5243 | — |
| Apr 7 | 12.8000✓ | 12.8000✓ | 12.6869 | 12.2827 | — |
| Apr 6 | 12.8000✓ | 12.8000✓ | 12.7044 | 12.3708 | — |
| Apr 5 | 12.8000✓ | 12.8000✓ | 12.6704 | 12.3372 | — |
| Apr 4 | 12.8000✓ | 12.8000✓ | 12.6704 | 12.3372 | — |
| Apr 3 | 12.8000✓ | 12.8000✓ | 12.6665 | 12.3393 | — |
| Apr 2 | 12.8000✓ | 12.8000✓ | 12.6918 | 12.3371 | — |
| Apr 1 | 12.6700 | 12.6700 | 12.7343✓ | 12.3914 | — |
| Mar 31 | 12.5900 | 12.5900 | 12.6782✓ | 12.3623 | — |
| Mar 30 | 12.6600✓ | 12.6600✓ | 12.5766 | 12.2337 | — |
| Mar 29 | 12.6600✓ | 12.6600✓ | 12.5887 | 12.2815 | — |
| Mar 28 | 12.6600✓ | 12.6600✓ | — | — | — |
Common questions about sending money from Spain to Ghana
What is the cheapest way to send money from Spain 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 Spain 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 €1,000 from Spain 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 €1,000 transfer today.
Can I send money from Spain to Ghana online?
Yes, all the providers we compare support online transfers from Spain 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 €25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge €0–10 with markups under 1%, saving you significantly on every transfer to Ghana.
Everything about sending money to Ghana
Recipient requirements, delivery methods, regulations, popular banks, and more.
Other routes to Ghana
Popular corridors
Top provider reviews
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