Send money from the United States to Ghana (USD to GHS)

Compare today's live USD → 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 the United States to Ghana — to mobile money (MoMo) or a bank account.

Quick answer: the cheapest way to send USD to GHS (Ghana) right now is WorldRemit, about 11.30 GHS per $1 with no transfer fee, ranked by how much actually arrives in GHS, not by the headline fee.

Mid-market rate: 11.2684 GHS per 1 USD· updated Jun 28, 2026, 1:30 PM UTC

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

USD 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.

Best rate right now

The best-value way to send money to Ghana right now is WorldRemit: send $500 and your recipient gets 5,650.00 GHS — an effective 11.30 GHS per $1, with no transfer fee. Updated Jun 28, 2026, 1:30 PM UTC.

Mobile money payouts

Most used in Ghana

Pay out to mobile wallets in Ghana, usually within minutes.

5 providers

Provider

Rate

Fee

True cost

You receive

WorldRemitBest value

Mobile money · Within 1 hour

11.30

Free

Beats mid

5,650.00 GHS

WorldRemitBest valueMobile money · Within 1 hour

Recipient gets

5,650.00GHS

Rate11.30

FeeFree

True costBeats mid

Sendwave

Mobile money · In minutes

11.30

Free

Beats mid

5,650.00 GHS

SendwaveMobile money · In minutes

Recipient gets

5,650.00GHS

Rate11.30

FeeFree

True costBeats mid

NALA

Mobile money · In minutes

11.30

Free

Beats mid

5,650.00 GHS

NALAMobile money · In minutes

Recipient gets

5,650.00GHS

Rate11.30

FeeFree

True costBeats mid

Western Union

Mobile money · In minutes

11.14

$0.99

$6.61 (1.32%)

5,559.87 GHS

Western UnionMobile money · In minutes

Recipient gets

5,559.87GHS

Rate11.14

Fee$0.99

True cost$6.61 (1.32%)

Wise

Bank deposit · by Monday

11.28

$8.97

$8.97 (1.71%)

5,537.79 GHS

WiseBank deposit · by Monday

Recipient gets

5,537.79GHS

Rate11.28

Fee$8.97

True cost$8.97 (1.71%)

Bank payouts

Direct deposit to a bank account in Ghana.

1 provider

Provider

Rate

Fee

True cost

You receive

InstaremBest rate

Mobile money · Varies

11.17

Free

$4.31 (0.86%)

5,585.60 GHS

InstaremBest rateMobile money · Varies

Recipient gets

5,585.60GHS

Rate11.17

FeeFree

True cost$4.31 (0.86%)

Rates are indicative and last updated Jun 28, 2026, 1:30 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.

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Sending money from the United States 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 US Dollar (USD) to Ghana, most of the cost is the exchange-rate markup baked into the rate, not the upfront fee. RemitBeat compares the live USD → 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 USD to GHS — your questions

What is the best rate to send money from the United States to Ghana today?+

As of the latest update, the best value provider for USD to GHS is WorldRemit, with an effective rate of 11.30 GHS per USD and no transfer fee. Rates change throughout the day, so always check the live comparison before sending.

What is the mid-market USD/GHS exchange rate right now?+

The current mid-market (interbank) rate is about 11.2684 GHS per USD. This is the "real" rate before any provider markup — RemitBeat shows how far each provider's quote sits from it.

What is a hidden markup, and how much does it cost me?+

Many transfer apps advertise "$0 fee" but bake their margin into a worse exchange rate. That gap between the provider's rate and the mid-market rate is the hidden markup. RemitBeat calculates it for every quote so you can compare the true, all-in cost rather than just the headline fee.

How can I receive USD transfers in Ghana?+

Most providers we track deliver to mobile money (MoMo) or a bank account in Ghana. The comparison groups providers by payout method — mobile money and bank — so you only compare options that support the way your recipient wants to be paid.

How does RemitBeat make money if comparison is free?+

When you click through to a provider we may earn a small affiliate commission. You pay exactly the same as going to the provider directly — the rate you see is the rate you get. This keeps the comparison free and unbiased.

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.