Send money from Europe to Ghana (EUR to GHS)
Compare today's live EUR → GHS exchange rates and fees across every major provider. We show the hidden markup baked into each quote, so you can find the cheapest way to send money from Europe to Ghana — to mobile money (MoMo) or a bank account.
Quick answer: the cheapest way to send EUR to GHS (Ghana) right now is Western Union, about 13.21 GHS per €1 with no transfer fee, ranked by how much actually arrives in GHS, not by the headline fee.
Mid-market rate: 13.2301 GHS per 1 EUR· updated Oct 10, 2026, 12:00 PM UTC
New to this corridor? Read our guide: The cheapest way to send $500 to Ghana (2026)
EUR to GHS comparison — sending €500
Ranked by how much actually arrives, grouped by how your recipient gets paid. Mobile money is how most people receive money in Ghana.
The best-value way to send money to Ghana right now is Western Union: send €500 and your recipient gets 6,607.30 GHS — an effective 13.21 GHS per €1, with no transfer fee. Updated Oct 10, 2026, 12:00 PM UTC.
Mobile money payouts
Most used in GhanaPay out to mobile wallets in Ghana, usually within minutes.
Bank payouts
Direct deposit to a bank account in Ghana.
Rates are indicative and last updated Oct 10, 2026, 12:00 PM UTC. Fees assume the cheapest standard bank funding; some providers add a small pay-in fee that varies by how you pay. First-transfer bonuses apply to new customers' first send only. Always verify the final exchange rate on the provider's payment page before making a transfer. See our methodology and advertiser disclosure.
Sending money from Europe to Ghana
In Ghana, mobile money — led by MTN Mobile Money — is the most popular way to receive transfers, with bank deposits to cedi (GHS) accounts also widely available.
Mobile-wallet payouts typically settle in minutes, while bank deposits can take longer depending on the receiving bank.
When you send Euro (EUR) to Ghana, most of the cost is the exchange-rate markup baked into the rate, not the upfront fee. RemitBeat compares the live EUR → GHS rate across Wise, Remitly, Sendwave, WorldRemit, Western Union and more, benchmarks each against the mid-market rate, and ranks them by the amount that actually arrives in GHS — so you can see the genuinely cheapest option rather than the one with the flashiest headline fee.
Sending money EUR to GHS — your questions
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Compare more money-transfer corridors
Live exchange-rate and fee comparisons across Wise, Remitly, Sendwave, WorldRemit and more — pick your route below to find the cheapest way to send money home.