How to send money from US to Ghana
Best right now: AfriChange. $100.00 gets GH₵1,193.60 (1 USD = 11.9360 GHS). Refreshed 9 Nov, 00:03.
Who pays the most on $100.00 today
- Send moneyAfriChangeBest dealExchange rate11.9360+1.99% vs mid-marketTotal feesNoneRecipient getsGH₵1,193.60
AfriChange's rate of 11.9360 is 1.99% better than the mid-market rate of 11.7030, so there's no hidden markup in the rate.
They don't publish a separate transfer fee for this amount.
Altogether, your recipient gets GH₵23.31 more than they would at the mid-market rate.
Save up to $12.96 compared with Wise - Go to PesaPesaExchange rate11.7000−0.03% vs mid-marketTotal fees$0.03Recipient getsGH₵1,170.00
The exchange rate Pesa uses is 11.7000, which is 0.03% lower than the mid-market rate of 11.7030. That adds $0.03 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you $0.03 compared with the mid-market rate.
- Go to NalaNalaExchange rate11.6900−0.11% vs mid-marketTotal fees$0.11Recipient getsGH₵1,169.00
The exchange rate Nala uses is 11.6900, which is 0.11% lower than the mid-market rate of 11.7030. That adds $0.11 as a hidden exchange-rate markup.
They don't publish a separate transfer fee for this amount.
Altogether, this transfer costs you $0.11 compared with the mid-market rate.
- Go to SendwaveSendwaveExchange rate11.6900−0.11% vs mid-marketTotal fees$0.11Recipient getsGH₵1,169.00
The exchange rate Sendwave uses is 11.6900, which is 0.11% lower than the mid-market rate of 11.7030. That adds $0.11 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you $0.11 compared with the mid-market rate.
- Go to TapTap SendTapTap SendExchange rate11.6900−0.11% vs mid-marketTotal fees$0.11Recipient getsGH₵1,169.00
The exchange rate TapTap Send uses is 11.6900, which is 0.11% lower than the mid-market rate of 11.7030. That adds $0.11 as a hidden exchange-rate markup.
They don't publish a separate transfer fee for this amount.
Altogether, this transfer costs you $0.11 compared with the mid-market rate.
- Go to WorldRemitWorldRemitExchange rate11.6900−0.11% vs mid-marketTotal fees$0.11Recipient getsGH₵1,169.00
The exchange rate WorldRemit uses is 11.6900, which is 0.11% lower than the mid-market rate of 11.7030. That adds $0.11 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you $0.11 compared with the mid-market rate.
- Go to LemFiLemFiExchange rate11.6800−0.20% vs mid-marketTotal fees$0.20Recipient getsGH₵1,168.00
The exchange rate LemFi uses is 11.6800, which is 0.20% lower than the mid-market rate of 11.7030. That adds $0.20 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you $0.20 compared with the mid-market rate.
- Go to OAPayOAPayExchange rate11.6700−0.28% vs mid-marketTotal fees$0.28Recipient getsGH₵1,167.00
The exchange rate OAPay uses is 11.6700, which is 0.28% lower than the mid-market rate of 11.7030. That adds $0.28 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you $0.28 compared with the mid-market rate.
- Go to InstaremInstaremExchange rate11.6500−0.45% vs mid-marketTotal fees$0.45Recipient getsGH₵1,165.00
The exchange rate Instarem uses is 11.6500, which is 0.45% lower than the mid-market rate of 11.7030. That adds $0.45 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you $0.45 compared with the mid-market rate.
- Go to GreyGreyExchange rate11.7600+0.49% vs mid-marketTotal fees$0.52Recipient getsGH₵1,164.24
Grey's rate of 11.7600 is 0.49% better than the mid-market rate of 11.7030, so there's no hidden markup in the rate.
They also charge a transfer fee of $1.00.
Altogether, this transfer costs you $0.52 compared with the mid-market rate.
- Go to Western UnionWestern UnionExchange rate11.6800−0.20% vs mid-marketTotal fees$3.19Recipient getsGH₵1,132.96
The exchange rate Western Union uses is 11.6800, which is 0.20% lower than the mid-market rate of 11.7030. That adds $0.19 as a hidden exchange-rate markup.
They also charge a transfer fee of $3.00.
Altogether, this transfer costs you $3.19 compared with the mid-market rate.
- Go to RemitlyRemitlyExchange rate11.3042−3.41% vs mid-marketTotal fees$3.41Recipient getsGH₵1,130.42
The exchange rate Remitly uses is 11.3042, which is 3.41% lower than the mid-market rate of 11.7030. That adds $3.41 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you $3.41 compared with the mid-market rate.
- Go to WiseWiseExchange rate11.6261−0.66% vs mid-marketTotal fees$10.97Recipient getsGH₵1,041.93
The exchange rate Wise uses is 11.6261, which is 0.66% lower than the mid-market rate of 11.7030. That adds $0.59 as a hidden exchange-rate markup.
They also charge a transfer fee of $10.38.
Altogether, this transfer costs you $10.97 compared with the mid-market rate.
Step by step
- Compare what your recipient gets
Check the live table on this page. Providers differ on both fee and exchange rate, so rank them by what lands in Ghana, not by the fee alone. Right now the gap between the best and worst option on $100.00 is GH₵151.67.
- Open an account with the provider
Sign up on the provider's app or website. You'll verify your identity once, usually with a US driver's licence, state ID or passport, and often your Social Security number. Many new-customer offers give a better rate on your first transfer.
- Add your recipient
Have the recipient's full name and either their mobile money number or bank and account number ready. Double-check the name matches their account exactly; mismatches are the most common reason transfers are held.
- Enter the amount and check the final figure
Type how much you're sending. Before you confirm, check the exact amount your recipient will get on the provider's summary screen, since rates move during the day.
- Pay and track the transfer
Pay with a bank account (ACH), debit card or, with some providers, a credit card. You'll get a reference and status updates; send the reference to your recipient so they can follow it too.
How your recipient gets it in Ghana
- Mobile money: MTN MoMo, Telecel Cash or AirtelTigo Money
- Directly into a Ghanaian bank account
- Cash pickup with some providers
What people send for
- Monthly support for parents and family
- School fees and university costs
- Building or property projects back home
- Weddings, funerals and family emergencies
- Paying staff, suppliers or business costs
The providers, at a glance
Questions
Right now AfriChange pays the most: sending $100.00, your recipient gets GH₵1,193.60 after fees (1 USD = 11.9360 GHS). The cheapest provider changes often, so check the live table before each transfer.
Most app-based providers deliver within minutes to a few hours once your account is verified. First transfers can take longer while ID checks complete, and bank payouts outside business hours may land the next working day.
Mobile money: MTN MoMo, Telecel Cash or AirtelTigo Money. Directly into a Ghanaian bank account. Cash pickup with some providers. Each provider supports different payout options, so check before you send.
Usually the exchange rate. A "zero fee" transfer can still cost more if the provider's rate is further from the mid-market rate. That's why we rank by what your recipient actually gets.
No. Ratenify compares providers; you always send on the provider's own app or website. We never hold your money.