How to send money to Ghana

Last updated: 11 February 2020

When you want to send money to family, friends or colleagues in Ghana you don’t want to deal with a complicated and expensive process. Whether you’re helping out an aunt in Sunyani or starting a business in Accra, sending money from Hong Kong to Ghana doesn’t have to be a lot of fuss. Whether you use bank transfers or online transactions, when you compare transfer fees and exchange rates of the available options you can get the best deal.

I want to send

Min. Transfer Amount	Transfer Speed	Online Transfer Fee	Rate	Amount Received	Description	CTA	Details
USD 5	1 - 2 days	N/A	N/A	N/A	Get bank-beating exchange rates and fast transfer times on 15+ popular currencies.	Go to site	Compare	Show details	Details Minimum transfer amount USD 5.00 Transfer methods Online, Bank Account to Bank Account Transfer options One off payments Customer service Phone, Email Available currencies AED, AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, ILS, INR, NOK, NZD, PLN, SEK, SGD, THB, USD, ZAR Go to site Read the full review
USD 10	1 - 2 days	HKD 350.00	0.683	GHS 33,918	Make online transfers with transparent exchange rates, low fees and low minimum amounts.	Go to site	Compare	Show details	Details Minimum transfer amount USD 10.00 Transfer methods Online, Bank Account to Bank Account Transfer options One off payments Customer service Phone, Email Available currencies AED, ARS, AUD, BDT, BGN, BRL, BWP, CAD, CHF, CLP, CNY, CRC, CZK, DKK, EGP, EUR, GBP, GEL, GHS, HKD, HRK, HUF, IDR, ILS, INR, JPY, KES, KRW, LKR, MAD, MXN, MYR, NGN, NOK, NPR, NZD, PEN, PHP, PKR, PLN, RON, RUB, SEK, SGD, THB, TRY, TZS, UAH, UGX, USD, UYU, VND, XOF, ZAR, ZMW Go to site Read the full review
USD 1,000	1 day	N/A	N/A	N/A	Quick and simple international money transfers with a flat 0.5% transfer fee for most transfers. Zero-margin rates on some currencies.	Go to site	Compare	Show details	Details Minimum transfer amount USD 1,000.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options One off payments Customer service Phone, Chat, Email Available currencies ARS, AUD, BDT, CAD, CLP, CNY, COP, CZK, DKK, EUR, GBP, HKD, HUF, IDR, INR, LKR, MXN, MYR, NOK, NPR, PEN, PHP, PLN, SEK, SGD, THB, USD, VND Go to site Read the full review
USD 10,000	1 day	HKD 0.00	0.681	GHS 34,072	A higher exchange rate applies to non-finder customers. Send money in more than 130 currencies.	Go to site	Compare	Show details	Details Minimum transfer amount USD 10,000.00 Transfer methods Online, Phone Transfer options One off payments, Market orders, Forward contracts Customer service Phone, Email Available currencies AED, ALL, AMD, ANG, AOA, ARS, AUD, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BWP, BZD, CAD, CDF, CLP, CNY, COP, CRC, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, IQD, ISK, JMD, JOD, JPY, KES, KHR, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, MAD, MGA, MKD, MNT, MRO, MUR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NZD, OMR, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SEK, SGD, SLL, SRD, STD, SZL, THB, TND, TOP, TRY, TTD, TWD, TZS, UGX, USD, UYU, VEF, VND, VUV, WST, XCD, XOF, XPF, ZAR, ZMW Go to site Read the full review
USD 1	Within an hour	-	-		An online money transfer service with cash pickup, bank account to bank account and airtime transfers available.	Go to site	Compare	Show details	Details Minimum transfer amount USD 1.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options One off payments Customer service Phone, Email Available currencies AED, ALL, AMD, ANG, AOA, ARS, AUD, BAM, BBD, BDT, BGN, BHD, BIF, BOB, BRL, BWP, CAD, CDF, CLP, CNY, COP, CRC, CVE, CZK, DKK, DOP, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, HKD, HRK, HTG, HUF, IDR, ILS, INR, JMD, JOD, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, MAD, MDL, MRO, MVR, MWK, MXN, MYR, MZN, NGN, NOK, NPR, NZD, OMR, PEN, PHP, PKR, PLN, PYG, QAR, RON, RUB, RWF, SCR, SEK, SGD, SLL, SOS, SRD, THB, TJS, TND, TOP, TRY, TZS, UAH, UGX, USD, UYU, VND, WST, XAF, XCD, XOF, ZAR, ZMW Go to site Read the full review
USD 100	1 day	N/A	N/A	N/A	A higher exchange rate applies to non-finder customers. Send money in 45 currencies.	Go to site	Compare	Show details	Details Minimum transfer amount USD 100.00 Transfer methods Online, Phone, Agent Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Email Available currencies AED, ARS, AUD, AZN, BGN, BHD, BND, BRL, CAD, CHF, CLP, CNY, CZK, DKK, EGP, EUR, FJD, GBP, HKD, HUF, IDR, ILS, INR, JPY, KRW, KWD, LKR, MAD, MGA, MXN, MYR, NOK, NZD, OMR, PEN, PGK, PHP, PKR, PLN, RUB, SAR, SBD, SCR, SEK, SGD, THB, TOP, TRY, TWD, TZS, USD, VEF, VND, VUV, WST, XOF, XPF, ZAR Go to site Read the full review
GBP 5,000	1 - 2 days	-	-			Go to site	Compare	Show details	Details Minimum transfer amount GBP 5,000.00 Transfer methods Online, Phone, Bank Account to Bank Account, International Money Order Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Email Available currencies AED, ARS, AUD, BGN, BHD, BRL, CAD, CHF, CNY, CZK, DKK, EUR, GBP, GHS, HKD, HRK, HUF, ILS, INR, JMD, JOD, JPY, KES, KWD, MAD, MUR, MXN, NGN, NOK, NZD, OMR, PHP, PKR, PLN, QAR, RON, RUB, SAR, SEK, SGD, THB, TND, TRY, TTD, UGX, USD, ZAR Go to site Read the full review
USD 2,000	1 day	N/A	N/A	N/A	TorFX保證提供最佳的匯率。需受條款約束。以45種貨幣匯款到全球。登記後，將會有一個客戶經理提供支持和引導。	Go to site	Compare	Show details	Details Minimum transfer amount USD 2,000.00 Transfer methods Online, Phone, Agent Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Email Available currencies AED, AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HRK, HUF, ILS, JPY, NOK, NZD, PLN, SEK, SGD, THB, TRY, USD, ZAR Go to site Read the full review
SGD 1	1 day	N/A	N/A	N/A	Transfer money to over 30 countries with nominal fees and the mid-market exchange rate.	Go to site	Compare	Show details	Details Minimum transfer amount SGD 1.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options One off payments Customer service Chat, Email Available currencies AUD, BDT, CAD, CNY, EUR, GBP, HKD, IDR, INR, JPY, KRW, LKR, MYR, NZD, PHP, SGD, THB, USD, VND Go to site Read the full review

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

How do I compare transfer companies when sending money to Ghana?

When you’re sending money to Ghana from Hong Kong, keep an eye on:

Exchange rates. Nearly all providers skew exchange rates for a profit. Compare the rate you’re offered to the mid-market rate — the rate banks and transfer services use when they trade among themselves — and look for the smallest margin between them.
Transfer fees. Find out whether the provider charges a flat fee or a percentage of your transfer. If you’re sending a large amount, ask whether you qualify for a fee-free transfer.
Ways to send money. While a few transfer companies will allow you to pay by phone or at an agent location, others are fully online and accept credit or debit cards and bank account transfers only.
Ways to receive money. The recipient can receive the transferred money directly into a Ghanaian bank account. Another option is to collect the money by visiting a cash pickup location.
“Hedging” options. Ask whether you can schedule payments ahead of time or protect your transfer against market fluctuations with a limit order or forward contract.
Transfer speed. If it needs to be there fast, companies like Western Union and MoneyGram allow for quick cash pickups, often in minutes. If you’ve more time, you’ll get better rates and fees with an independent provider.
Transfer limits. Your best option might depend on how much you want to send. For large transfers, weigh the best exchange rate — especially since providers encourage large transfers by offering low fees. For smaller amounts, consider the fees you’ll pay on top of the exchange rate.

Foreign exchange rates explained

The exchange rate determines how much one country’s currency is worth in another currency. When a country’s currency is strong, it yields more money when exchanging it in a country with a weak currency. Ghana has a flexible exchange rate, which means it can change from moment to moment based on factors such as interest rates, economic stability and inflation..

How to send money to Ghana from Hong Kong

You have multiple options to send money to Ghana from Hong Kong.

Bank transfers. Your major Hong Kong banks may allow you to wire money to banks in Ghana.
Providers with cash pickup. Companies like Western Union and MoneyGram offer several cash pickup centers in Ghana
Money transfer specialists. WorldRemit and other companies let you transfer money to Ghanaian bank accounts. And because it’s a trusted partners of Finder HK, OFX is offering our readers an exclusive deal of 0 in fees.
PayPal. Electronic payment giant PayPal allows you to send money from Hong Kong to Ghana.
M-Pesa. M-Pesa is a safe, secure way to send, receive and store money through your mobile phone or an app. Top up your account at one of more than 287,000 agent locations and then send money to loved ones, who can visit an agent to withdraw their funds.

Steps to send money to Ghana

Register for an account with a provider, supplying your name, address, contact details, proof of ID and information about your selected payment method.
Supply your recipient’s name, contact information and bank account details as required.
Enter the amount of your transfer and complete the transaction.
Keep track of any receipt you receive so you can monitor the progress of your transfer.

Tips for picking up cash in Ghana

While most visits to Ghana by foreign nationals remain trouble free, there are reports of petty and violent crime. Be vigilant when you collect money from a cash pickup location and when you withdraw money from ATMs. Avoid carrying large sums of money with you by depositing your money quickly.

Cash pickup locations in Ghana

Worldremit
Agricultural Development Bank
Address: Newtown Circle Road, Malam Atta Market in the Old Oxford Cinema Building
Hours: 9:00 AM – 5:00 PM
Phone: +223-030-2220989
ARB Apex Bank
Address: No. 5 Gamel Abdul Nasser Ave, Accra, Ghana
Hours: 9:00 AM – 5:00 PM
Phone: +233-030-2771738
Fidelity Bank Ghana
Address: New Corporate Building A & C Dev. Com. Ltd. A & C Mall Premises, First Floor, East Legon
Hours: 8:30 AM – 5:00 PM
Phone: +233-030-2522633

Moneygram
Fidelity Bank Ghana – #63 – ACCRA – PC KANESHI
Address: Kaneshie Akutu Junction
Hours: 8:00 AM – 5:00 PM
Phone: +233-030-2214490
Universal Merchant Bank – ACCRA – AIRPORT
Address: SSNIT Emporium Property
Hours: 8:00 AM – 6:00 PM
Phone: +233-030-2666331
OISL
Address: Next to Agege Last Stop
Hours: 8:00 AM – 5:00 PM
Phone: +233-030-2610007

Western Union
Accra Katamanto Branch
Address: Tarzan Building Katamanto Ac Accra
Hours: 8:00 AM – 5:00 PM
Phone: +233-302-246119
Airport Square
Address: Plot 21, Airport City, Behind Accra
Hours: 8:00 AM – 7:00 PM
Phone: +233-302-2019161
Corporate Business Office
Address: Heritage Towers Ridge Accra
Hours: 8:00 AM – 5:00 PM
Phone: +233-302-688944
Worldremit
Agricultural Development Bank
Address: Kumasi Zongo, behind the Zongo Police Station
Hours: 8:00 AM – 5:00 PM
Phone: +233-032-2033481
ARB Apex Bank
Address: Kumasi, Ghana
Hours: 8:00 AM – 5:00 PM
Phone: +233-032-2040990
Fidelity Bank Ghana
Address: Baba Yara Sports Stadium Kumasi
Hours: 8:30 AM – 5:00 PM
Phone: +233-032-2049814
Moneygram
Atwina Rural Bank Limited
Address: Near Asofoadjei Hospital, Kumasi
Hours: 8:30 AM – 5:00 PM
Phone: +233-032-2027371
OmniBank Ghana Limited
Address: Opposite Haycorn Hotel, Kumasi
Hours: 8:30 AM – 5:00 PM
Phone: +233-030-2685030
Ghana Post – Kumasi
Address: By Aboabo Traffic Light, Kumasi
Hours: 8:00 AM – 6:00 PM
Phone: +233-032-2024270
Western Union
Best Point Suame
Address: Suame Water Works Kumasi
Hours: 8:00 AM – 4:00 PM
Phone: +233-303-932990
Firstrust Savings and Loans
Address: Mmorow Market Branch Behind The Tafo General Hospit Kumasi
Hours: 8:00 AM – 4:00 PM
Phone: +233-030-220184
Asokore RBL Bompata
Address: P O Box 30 Asokore Ashanti Near Ocansey Cinema Hall Kumasi, Ashanti Region
Hours: 8:00 AM – 4:00 PM
Phone: +233-032-2048664
Worldremit
Agricultural Development Bank
Address: Opposite Bank of Ghana, Off the Liberation Road
Hours: 8:00AM – 5:00 PM
Phone: +233-031-2029060
ARB Apex Bank
Address: Ahantaman RBL Office – Agona Nkwanta
Hours: 8:00 AM – 5:00 PM
Phone: +233-031-2092011-4
Fidelity Bank
Address: Kofi Annan Avenue, Market Circle Takoradi
Hours: 8:30 AM – 5:00 PM
Phone: +233-020-9532409

Moneygram
Ghana Post – Axim
Address: Vodafone Office, Takoradi
Hours: 8:30 AM – 5:00 PM
Phone: +233-34222270
United Bank for Africa Ghana Limited
Address: #2 Near Top Filling Station Kakompe Takoradi
Hours: 7:00 AM – 6:00 PM
Phone: +233-3130112
CAL Bank Limited
Address: Takoradi Harbour Business Area
Hours: 8:00 AM – 4:30 PM
Phone: +233-3124412

Western Union
Ahantaman RBL Kojokrom
Address: Near The Police Station P O Box 41 Agona Nkwanta Takoradi
Hours: 8:00 AM – 4:00 PM
Phone: +233-031-23810
Agricultural Development Bank
Address: P.o.box 600 Takoradi
Hours: 7:00 AM – 7:00 PM
Phone: +233-21-662758
Asawinso RBL Sefwi Asafo
Address: Near The Police Station Takoradi
Hours: 8:30 AM – 5:00 PM
Phone: +233-24-3528359

Thank you for your feedback!

Adrienne Fuller

Adrienne Fuller is the head of publishing at Finder. With a decade of experience creating guides in finance and education, she aims to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. For the past 3 years she has been the publisher of money transfers, helping readers save when they send money all over the globe. She has a BA from Colorado College and loves to hike with her two Catahoula dogs around her home in San Diego.

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