How to send money to Ghana from UK with the best GBP-GHS rate

Comparing providers when sending money from the United Kingdom to Ghana is the easiest way to make a transfer at the best price.

Right now, for GBP/GHS

• Wise is our recommended company for transferring Pound Sterling to Ghana. Sending 6,000 GBP to GHS will cost you £78.53 in fees, and you will receive 87,960.48 GHS. The delivery time is within 3 hours, but it depends on the day you make the transfer.

• If you want to secure the best rates on a GBP to Ghana transfer, Paysend is the cheapest way to send money and will result in the most Ghan Cedi received.

• Fastest way to send money from the United Kingdom to Ghana is via Revolut. Based on a £6,000 transfer, Revolut transfer time for GBP-GHS transfers is within minutes.

We’ve compared 8 providers for sending Pound Sterling to Ghana. This ensures you will get the best options for your transfer to Ghana from the United Kingdom.

The exchange rate determines the price you will pay when buying Ghan Cedi.

A better exchange rate and lower fees means more money being sent to Ghana.

The total cost of sending money to Ghana from the United Kingdom, is made-up of a combination of fees and exchange rates. Sending with a company that can offer a good deal on both ensures a good deal on your transfer.

• The Mid-Market and Exchange Rates: Currently, the mid-market for GBP-GHS is 14.8352 GHS per Pound Sterling.

• Fees: Transfer fees may have to be paid alongside the transfer, either as a set fee or a percentage of the transfer. Paysend has a fee of 0 GBP per transfer (which is the cheapest option right now for a £6,000 transfer). Although you should search for your send amount to get live deals and lowest fees.

• Amount Received: Money transfer companies will show you the amount of Ghan Cedi eventually received in Ghana.

If you are paying for services in Ghan Cedi from the United Kingdom, this can make a huge difference.

Understanding the averages, and then waiting a day or two can help you get more GHS for the same amount of Pound Sterling.

You can also use a forward contract to lock in an agreed exchange rate between the United Kingdom and Ghana.

Using a bank transfer to send via money transfer company is the payment method that will get you the best price when sending from the United Kingdom to Ghana.

Here are all the ways to send money from United Kingdom to Ghana:

Bank transfers

Bank transfers are often the fastest and cheapest way to send money from the United Kingdom to Ghana.

Using a money transfer company such as WorldRemit for payments from the United Kingdom to Ghana, means you can send via a bank transfer and benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


Debit and prepaid cards

Sending money with a debit card from the United Kingdom to Ghana is easy with Wise.


Wise is a leader in debit card money transfers from the United Kingdom to Ghana. They are the best option of the 8 transfer companies compared.

Credit cards

Not many money transfer companies offer direct credit card deposits, because it is more expensive for everyone.

We recommend using a bank transfer or a debit card transfer if you can; otherwise, make a quick comparison to find the latest deal.

Ensuring you fully understand regulations in the United Kingdom and Ghana will aid in keeping your money safe.

Our directory of worldwide financial regulators contains details on regulation for sending money between the United Kingdom and Ghana.

Some companies offering money transfers between the United Kingdom and Ghana have minimum or maximum thresholds on how much you can send or receive.

Rates and fees for different transfer amounts could change - that’s why it’s best to compare GBP-GHS rates for your specific transfer amount.

For regular transfers to Ghana, shopping around each time can make a huge difference.

For sending large amounts of GBP to Ghana we'd recommend using Wise. They offer a combination of rates and fees when sending from the United Kingdom to Ghana that is the most competitive, even at larger amounts.

There are different options for receiving Ghan Cedi in Ghana.

The most popular are direct bank deposit, cash pickup, a mobile wallet or receiving money into a multi-currency account.

Not all companies offering transfers from the United Kingdom to Ghana will offer every method for incoming Ghan Cedi, so it’s best to check ahead of time.

Again, a comparison of GBP to GHS providers will tell you if the method for receiving is supported.

One of the most common ways to transfer money from the United Kingdom into Ghana is by sending directly to a bank account. Wise is the best company for bank transfers between the United Kingdom and Ghana.

And if you need cash right away, check if cash pickup is an option for transfers between the United Kingdom and Ghana.

P2P services and payment apps like PayPal, Xoom, and CashApp are popular because of convenience but are better for domestic transfers. For receiving international payments they come with more limitations and higher costs compared to money transfer options like multi-currency accounts.

If using a money transfer company to send Ghan Cedis to Ghana, you will need to verify your ID at the sign up stage.

The documents you need will vary and in some cases you might need more than one.

ID can be verified in the United Kingdom through a government issued ID such as a passport or driver's license.

If the recipient needs an ID to collect money in Ghana, it will be similar.

Large transactions between United Kingdom and Ghana, can be subject to additional checks. This includes proof of funds for anti-money laundering purposes.

One of the reasons Wise has scored so highly for transfers to Ghana is their easy sign up process in the United Kingdom.

Sending regular, or larger amounts of money between United Kingdom and Ghana could mean there are tax declarations to consider.

Some transfers into Ghan Cedi may need to be reported to tax authorities in Ghana, particularly where inheritance or property purchases are involved.

Ghana has many different tax obligations for residents and non-residents.

When in doubt, please contact a tax professional in the United Kingdom or Ghana to discuss your personal circumstances. This ensures you are not missing any specific tax needs associated with your transfer.