Send money to Ghana

Compare today's live exchange rates and fees across every major provider, and see the hidden markup baked into each quote — so you find the cheapest way to send money to Ghana, to mobile money (MoMo) or a bank account. Rates update every 30 minutes.

Quick answer: the best-value way to send money to Ghana right now is NALA — about 11.83 GHS per $1 with no transfer fee, ranked by how much actually arrives.

Mid-market rate: 11.6457 GHS per 1 USD· updated Oct 9, 2026, 10:56 AM UTC

New to this corridor? Read our guide: The cheapest way to send $500 to Ghana (2026)

Best rate right now

The best-value way to send money to Ghana right now is NALA: send $500 and your recipient gets 5,915.00 GHS — an effective 11.83 GHS per $1, with no transfer fee. Updated Oct 9, 2026, 10:56 AM UTC.

Best providers: USD → GHS

Ranked by what your recipient receives on a $500 transfer, fees included.

6 providers
Provider
Rate
Fee
True cost
You receive
NALABest value
Mobile money · In minutes
11.83
Free
Beats mid
5,915.00 GHS
NALABest valueMobile money · In minutes
Recipient gets
5,915.00GHS
Rate11.83
FeeFree
True costBeats mid
WorldRemit
Mobile money · Within 1 hour
11.78
Free
Beats mid
5,890.00 GHS
WorldRemitMobile money · Within 1 hour
Recipient gets
5,890.00GHS
Rate11.78
FeeFree
True costBeats mid
Sendwave
Mobile money · In minutes
11.78
Free
Beats mid
5,890.00 GHS
SendwaveMobile money · In minutes
Recipient gets
5,890.00GHS
Rate11.78
FeeFree
True costBeats mid
Western Union
Mobile money · In minutes
11.62
$0.99
$2.31 (0.46%)
5,796.00 GHS
Western UnionMobile money · In minutes
Recipient gets
5,796.00GHS
Rate11.62
Fee$0.99
True cost$2.31 (0.46%)
Wise
Bank deposit · in 4 hours
11.77
$7.98
$7.98 (0.56%)
5,789.25 GHS
WiseBank deposit · in 4 hours
Recipient gets
5,789.25GHS
Rate11.77
Fee$7.98
True cost$7.98 (0.56%)
Instarem
Mobile money · Varies
11.65
Free
Beats mid
5,825.19 GHS
InstaremMobile money · Varies
Recipient gets
5,825.19GHS
Rate11.65
FeeFree
True costBeats mid
See the full USD → GHS breakdown →

Where are you sending from?

Pick your source currency to see the exact live comparison for that corridor to Ghana.

Sending money 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.

Most of what you pay sending to Ghana is the exchange-rate markup baked into the rate, not the upfront fee. RemitBeat benchmarks every provider against the mid-market rate and ranks them by the amount that actually arrives in GHS, so you see the genuinely cheapest option rather than the flashiest headline fee.

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Sending money to Ghana — your questions

What is the cheapest way to send money to Ghana?+
As of the latest update, NALA offers the best value to Ghana, delivering 5,915.00 GHS on a $500 transfer (about 11.83 GHS per $1). The cheapest provider changes through the day, so check the live comparison above before sending.
How long does a transfer to Ghana take?+
Most providers deliver to mobile money (MoMo) or a bank account in Ghana within minutes. Bank deposits can take a little longer than mobile money; the comparison shows the payout method for each provider.
What is the mid-market USD/GHS rate today?+
The current mid-market (interbank) rate is about 11.6457 GHS per USD. RemitBeat compares every provider's quote against it so you can see the true cost.
Is it safe to send money to Ghana?+
Yes — RemitBeat is a comparison service. We never move money or ask for your bank details or PIN. You send through the licensed provider you choose; the rate you see is the rate you get.