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Smaller transfers
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Bigger transfers
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Cash pick-up
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Business transfers
Using a dedicated money transfer service could let you send money to Ghana more cheaply than with your bank. Use the table below to compare quotes from a range of popular transfer providers to see which could get you more Ghanaian cedis for your pounds.
Compare quotes for sending money to Ghana
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Please note: You should always refer to quotes you receive from transfer services themselves directly for exact amounts as they may vary from our estimates.
Here’s our simple process for sending a money transfer to Ghana as a cash pickup or bank transfer – the two options are similar:
How to send money to Ghana from the UK
- Compare transfer services. Use our table above to compare quotes for sending GBP to Ghana.
- Register for an account. You'll need to give your name, address, contact details and confirm your ID (which typically involves submitting a selfie along with a photo of the page in your passport which has your headshot).
- Provide recipient details. Enter your recipient's name and contact information. If you're sending straight to their Ghanaian bank account, you'll need their account details – namely their "IBAN" and their bank's "SWIFT" code.
- Enter the transfer amount. Double-check you're happy with the fees, exchange rates, transfer speed and the amount of Ghanaian cedis your recipient will receive.
- Complete your transfer. Add your payment details and action your transfer to Ghana! Keep any reference safe so you can track your transfer (your recipient may need this).
The whole process can take as little as 1 hour and all you'll need is a smartphone or computer, an internet connection, your passport or driving licence, your recipient's account details and a means of payment.
If you send to a Ghanaian bank account, your recipient will need to wait for the funds to arrive. For a cash pick up, your recipient in Ghana might be able to pick it up as soon as payment has cleared. They’ll need to show some form of photo ID in order to pick up the funds and may additionaly require a reference number and details of the sender and amount.
How much does it cost to send money to Ghana from the UK?
The cost of sending money to Ghana from the UK depends on the GBP to GHS exchange rate applied to the transfer, plus any fees incurred.
Exchange rates
The “mid-market” or “interbank” rate is the that banks and transfer services use to trade between one another. It’s the best rate going. To cover costs and make some profit, transfer services either give consumers a slightly less preferential rate or charge a transfer fee. In a few cases, they might do both.
If you’re not in a rush, companies like TorFX let you set “rate targets” so that your transfer can be automatically executed if and when the exchange rate hits a target you set. This can translate into meaningful savings, especially on larger transfers.
Transfer fees
Transfer fees can take the form of a flat fee (e.g. £5) or a percentage fee (e.g. 0.5% of the amount being transferred). As well as varying from brand to brand, the fee at a specific brand might vary according to the service you require (a cash pick-up or a faster transfer could cost more, for example).
Discounts
Some transfer services offer a discount to new customers. Ultimately you just want to look at how may Ghanaian cedis they’re promising you for your pounds. That’s the easiest way to find the best deal.
Ready to compare rates?
Other frequently asked questions
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.
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