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Send money from Switzerland to Ghana(CHF → GHS)
CHF
GHS|Pricing observed Mid-market 14.0349Top-ranked estimateof 3 providers
WorldRemit
Rate 14.0209 · Fee CHF1.00
You send
CHF1,000
Estimated receipt
₵14,007
₵650 more than the lowest estimate · 0.10% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: For 1,000 CHF to GHS, WorldRemit ranks first among 3 provider estimates, with an estimated payout of 14,006.84 GHS. The first-ranked estimate pays 653.97 GHS more than the lowest estimate in this comparison.
Latest pricing observation: . Payouts are estimated from collected fees and markups with a mid-market reference. Collection schedules vary by source. Quotes are collected by currency pair, so we cannot confirm that every provider serves Switzerland specifically — check availability, funding method and delivery method with the provider before you commit. How we collect and rank quotes.
What is the cheapest way to send CHF to GHS?
Sending CHF1,000 from Switzerland to Ghana. Ranked by estimated payout, with customer ratings used for closely matched results.
Source: SendMoneyCompare · Estimated payouts from collected pricing and mid-market rates
#ProviderRateFeeRecipient getsSend
Rate 14.0209·Fee CHF1.00·0.10% markup
Rate 13.6896·Fee CHF24.60·2.46% markup
Rate 13.9226·Fee Free·0.80% markup
Estimated payout difference: The first-ranked provider pays more than the lowest estimate by ₵653.97 on a CHF1,000 transfer.
Some links on this page are affiliate links — we may earn a commission at no extra cost to you. Rankings come from live transfer data and are ordered by what your recipient receives. Whether a provider pays us plays no part in that order. Where payouts land within 0.1% of each other — less than rates typically move between our updates — the higher-rated provider is listed first. Editorial policy
Find the best way to send money from Switzerland to Ghana. Our comparison tool shows live rates from 15+ providers — see exactly how much GHS your recipient will receive after all fees.
Money transfers from Switzerland to Ghana are a vital lifeline for families and businesses. With dozens of providers competing for this corridor, rates and fees vary widely. Specialist money transfer companies often beat bank rates by 2–4%, potentially saving you hundreds of CHF per year. Use our comparison to find today's best deal.
Which provider offers the best CHF to GHS rate?
WorldRemit
4.1Exchange rate
14.0209
Fee
CHF1.00
Recipient gets
₵14,006.84
Speed
1-2 business days
Also available · Digital-asset rails
Crypto & stablecoin routes for CHF → 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
14,550 GHS
3.54% rebate all-in
+
OKX P2PBeats mid-market
Kraken → Solana (USDC) → OKX P2P · ~1 second
14,550 GHS
3.54% rebate all-in
- 1Kraken CHF→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.
SendMoneyCompare
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Example alert
CHF → GHS · cheapest just changed
Sending 1,000 CHF today? The cheapest provider on this corridor changed overnight — same money in, more GHS out. A bank wire is still the most expensive way to send it.
sendmoneycompare.com/send-money/switzerland-to-ghana
09:12Watch the card-funding fee
Two providers added a card-funding fee this morning. Paying by bank transfer is the cheaper route today.
Thu 16:40Guides, 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 Switzerland to Ghana route.
Cheapest transfer
WorldRemit
Delivers the most GHS for your money
Fastest transfer
WorldRemit
Delivers in 1-2 business days
Cash pickup
WorldRemit
Widest cash pickup network
Bank transfer
WorldRemit
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 CHF 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. Complete the provider’s verification before expecting delivery.
Step 3
Send & track your transfer
Choose an available funding method, confirm the final payout and arrival estimate, then keep your tracking reference.
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: CHF to GHS
See how much your recipient would get for common transfer amounts.
Send CHF500
ProviderFeeReceives
WorldRemit
14.02 · 1-2 business days
Wise
13.88 · ~3 business days
Western Union
13.69 · 1 business day
Regency FX
13.92 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
WorldRemitCHF0.5014.02₵7,0031-2 business days
WiseCHF5.3513.88₵6,868~3 business days
Western UnionCHF12.3013.69₵6,6761 business day
Regency FXFree13.92₵6,961Same day to 2 business days
Send CHF1,000
ProviderFeeReceives
WorldRemit
14.02 · 1-2 business days
Wise
13.88 · ~3 business days
Western Union
13.69 · 1 business day
Regency FX
13.92 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
WorldRemitCHF1.0014.02₵14,0071-2 business days
WiseCHF10.7013.88₵13,736~3 business days
Western UnionCHF24.6013.69₵13,3531 business day
Regency FXFree13.92₵13,923Same day to 2 business days
Send CHF5,000
ProviderFeeReceives
WorldRemit
14.02 · 1-2 business days
Wise
13.88 · ~3 business days
Western Union
13.69 · 1 business day
Regency FX
13.92 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
WorldRemitCHF5.0014.02₵70,0341-2 business days
WiseCHF53.5013.88₵68,681~3 business days
Western UnionCHF123.0013.69₵66,7641 business day
Regency FXFree13.92₵69,613Same day to 2 business days
How much does it cost to send money from Switzerland to Ghana?
Transfer fees from Switzerland to Ghana vary by provider. Specialist services charge CHF0–10 per transfer, while banks charge CHF25–50 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 CHF0–CHF10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (14.0349).
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
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?
Check these receiving options with the provider. Availability depends on the sending country, recipient and transfer conditions.
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 Switzerland 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.
Delivery times shown here are published by the providers and payment schemes. We do not measure when transfers actually arrive, so treat them as estimates and confirm the time with your provider before you send.
Standard delivery
- WorldRemit1-2 business days
- Wise~3 business days
- Western Union1 business day
- 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
Frequently asked questions
Common questions about sending money from Switzerland to Ghana
What is the cheapest way to send money from Switzerland 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 Switzerland 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 CHF1,000 from Switzerland 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 CHF1,000 transfer today.
Can I send money from Switzerland to Ghana online?
Yes, all the providers we compare support online transfers from Switzerland 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 CHF25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge CHF0–10 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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How does your bank compare?
Compare all providers for Switzerland to Ghana
Enter your exact amount in the comparison tool above to see personalised quotes from every provider on this route.
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