Send Money to Ghana – Compare Rates & Fees

Most money transfer providers allow you to send anywhere from £1 up to £50,000 in a single transfer, although limits vary depending on the service you choose. Higher-value transfers may require ID verification, proof of funds, or additional compliance checks under UK anti-money laundering rules.
Some providers offer increased limits for verified users or business customers, while cash-pickup transfers typically have lower caps. Always check your provider’s transfer limits and any extra requirements before sending larger amounts.

You’ll need the recipient’s name, their mobile money number (MTN, Vodafone Cash, AirtelTigo) or bank account details (account number and bank name). Some providers also ask for an email address for status updates.

Yes. Transfers to mobile money wallets or cash pickup locations do not require the recipient to have a bank account.

Mobile money transfers are usually the fastest, often delivering funds within minutes.

Some services charge zero fees but may apply a small exchange rate markup. Always check the total cost before confirming.

Yes — especially for mobile money or card payments. Bank transfers may be processed on the next business day if sent during UK or Ghanaian bank holidays.

Exchange rates change throughout the day based on the global foreign exchange market. Providers typically add a small markup to the mid-market rate.

Many providers support transfers to popular mobile money wallets such as MTN Mobile Money (MoMo), AirtelTigo Money, and Vodafone Cash. You’ll need the recipient’s full name and mobile wallet number. Mobile money transfers are often delivered instantly or within a few minutes.

You can send money to most major Ghanaian banks, including GCB Bank, Ecobank, Access Bank, Fidelity Bank, CalBank, and UBA. To complete a bank transfer, your recipient will need their account number, bank name, and sometimes a branch code depending on the provider.

Transfer costs typically include a transfer fee, a GBP→GHS exchange-rate markup, and sometimes card payment charges. Debit card funding is usually cheaper than credit card payments. Always check the total cost before confirming the transfer to avoid hidden fees.

Delivery times vary by method:

• Mobile money → usually instant or within minutes
• Bank transfer → same day to 1 business day
• Cash pickup → instant once the recipient has a valid ID
• Card-funded transfers → often the fastest way to complete the payment

Each provider sets its own rates and may include a markup on the mid-market rate. Some services offer better rates when you send larger amounts. Comparing providers helps you find the fairest rate and ensures your recipient gets more GHS.

Yes. Most online money transfer services provide real-time tracking via mobile app, SMS, or email notifications. You can see when your payment is processed, when it’s converted, and when your recipient receives the funds.

Yes. FCA-regulated providers use encryption, two-factor authentication, and secure payment systems to protect your personal details and account information. Always use trusted services and avoid sending money to anyone you do not know.