Best Way to Transfer Money to Ghana from the UK

Fast, Reliable, and Affordable Money Transfers

Sending money from the UK to Ghana is now simple. You can send money to your family, support a project, or make payments for services. There are many ways that are quick and safe for you to use. Because there are so many options, it can be hard to pick the best way to send money to Ghana.

In this article, we will talk about the most common ways to send money. We will look at the cost and speed of each way. We will also show you how to avoid paying money you do not need to.

What Are the Main Ways to Transfer Money to Ghana?

There are a few ways for people in the UK to move their money.

1. Bank Transfer

You can send money from your UK bank account to a bank account in Ghana. This is a safe way, and it is good when you have to move a lot of money. It may take about one to three business days for the money to show up. You will need to pay transfer fees, and there could be extra international transfer fees later that you did not know about at first. To make sure the money goes to the right place, you need the account number, IBAN, and SWIFT or BIC codes of who you are sending the money to.

2. Mobile Wallet Transfer

Mobile money is used by a lot of people in Ghana. Many people have accounts with MTN Mobile Money, Vodafone Cash, and AirtelTigo Money. If the person you are sending money to has a wallet, they can get the money right away sometimes. A mobile app helps make things easy. You can send money from the comfort of your home. With the app, you can move your money fast and feel safe doing it.

3. Cash Pickup

Some service providers in Ghana make it easy for people to get cash from local partners. This can help if you want to send money to someone who does not have a bank account or a mobile wallet. All you have to do is put in the person’s bank details, or you can just give their name and ID. The person does not need to have an account for this.

How Long Does It Take to Send Money to Ghana?

What Are the Typical Transfer Fees?

Transfer fees can be different depending on the payment method you pick and which provider you use. Here is a simple guide:

Some services offer special deals for new customers. For example, you can do your first money transfer with no extra fees. This lets you try the service and see what it can do. A fee-free first money transfer is a good way to save money when you start.

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What Is the Exchange Rate for GBP to GHS?

As of June 2025:

1 GBP = 18.12 GHS

Check the live rates by using an online calculator. This can help you see who has great exchange rates. Some apps offer great exchange rates with no extra hidden fees. But other apps may have extra charges that are not clear, and show bad rates. Always check the total amount your recipient gets.

How to Choose the Best Way to Transfer Money to Ghana

When comparing your options, consider:

• Speed: Think about how fast you want the money to get there.
• Cost: Look at the fee you have to give to send the money. Also, check the currency exchange rate. This can change how much the other person gets.
• Convenience: See if you can send the money from your phone, in your home, or by using an app.
• Access: Ask them if they want the money put in their bank, into a mobile wallet, or if they will do a cash pickup.
• Security: Make sure the company is safe and follows the rules. You can look for apps in the App Store or Google Play. Pick one that uses strong security like encryption.

Recommended Providers to Transfer Money to Ghana

These platforms let you do card transfers. You can use Mastercard and debit cards on these sites.

Tips for Avoiding Hidden Fees

• Always check the exchange rate you get.
• Be careful with words like “zero fee.” The cost can be in the exchange rate.
• Use a company that shows you the total cost upfront.
• Try not to use your credit card to send money unless you need to, as you could have to pay more fees.
• See if the company lets you use peer payments and always see terms before you send money. Be sure to read their rules first.

Who Typically Transfers Money to Ghana from the UK?

• There are many Ghanaians who send help to their families back home.
• Some students pay for their school fees or living costs while living in another country.
• A business owner might send money to pay the supplier.
• A property owner takes care of expenses from the EU, Belgium, Canada, or other places.

Correct as of 05 Jun 2025

FAQs – About Transferring Money to Ghana

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