How to send money to Ghana from New Zealand with the best NZD-GHS rate

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

Here are your best options for sending money from New Zealand to Ghana

• Wise is our recommended company for transferring New Zealand Dollar to Ghana. Sending 10,000 NZD to GHS will cost you $126.99 in fees, and you will get 63,036.8 GHS. The delivery time is same day, but it depends on the day you make the transfer.

• Xe is the overall cheapest options to send money from New Zealand to Ghana. We found that Xe fees were 0 NZD per transfer, and customers would expect an exchange rate between NZD-GHS that is 0.28% different to the mid-market rate

• Fastest way to send money from New Zealand to Ghana is with Revolut. For example, if you send 10,000 NZD with Revolut to Ghana now, the transfer time is within minutes. Smaller transfers will likely be quicker, while larger transfers to India can take a bit longer.

We’ve compared 3 providers for sending New Zealand Dollar to Ghana. This ensures you will get the best options for your transfer to Ghana from New Zealand.

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

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

If you are paying for services in Ghan Cedi from New Zealand, this can make a huge difference.

The current rate between the New Zealand Dollar and Ghan Cedi is 6.3744, and it fluctuates all the time.

The cost of sending money from Ghana to Ghana, is made-up of a combination of fees and exchange rates:

• The Mid-Market and Exchange Rates: The mid-market rate determines a mid-price for buying currency. The current mid-market rate from NZD-GHS is 6.3744 GHS per New Zealand Dollar.

• Fees: Outside of exchange rates, you may need to pay a fee to send. Xe currently offers the lowest fees on transfers to Ghana from New Zealand. They charge 0 NZD per transfer. Although this does include large transfers as well, we recommend searching for your exact send amount for an exact fee.

• Amount Received: The amount received in Ghan Cedi is the amount you started with, minus the amount you paid in the exchange and fees.

Here's a tip, if you're making a large transfer, you can also use a forward contract to lock in an agreed exchange rate between New Zealand 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 New Zealand to Ghana.

Here are all the ways to send money from New Zealand to Ghana:

Bank transfers

Bank transfers are often the fastest and cheapest way to send money from New Zealand to Ghana.

Using a money transfer company such as Xe for payments from New Zealand 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 New Zealand to Ghana is easy with Xe.


Xe is a leader in debit card money transfers from New Zealand to Ghana. They are the best option of the 3 transfer companies compared.

Credit cards

When it comes to credit card transfers from New Zealand to Ghana, we recommend comparing your options to get the best deal.

Ensuring you fully understand regulations in New Zealand and Ghana will aid in keeping your money safe.

Our directory of worldwide financial regulators contains details on regulation for sending money between New Zealand and Ghana.

Some companies offering money transfers between New Zealand 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 NZD-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 NZD to Ghana we'd recommend using Wise. They offer a combination of rates and fees when sending from New Zealand 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 New Zealand to Ghana will offer every method for incoming Ghan Cedi, so it’s best to check ahead of time.

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

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

And if you need cash right away, check if cash pickup is an option for transfers between New Zealand 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 New Zealand 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 New Zealand 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 New Zealand.

Sending regular, or larger amounts of money between New Zealand 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 New Zealand or Ghana to discuss your personal circumstances. This ensures you are not missing any specific tax needs associated with your transfer.