Send money to Ghana
Fast, low-cost, and secure online money transfers from the USA to Ghana.
How to send money to Ghana in 3 easy steps
Enter amount to send in USD.
Pay in USD with your debit card or credit card, or send the money from your online banking.
Choose recipient in Ghana.
Select who you want to send money to and which pay-out method to use.
Send USD, receive GHS.
The recipient gets money in GHS directly from Wise’s local bank account.
Wise is easy.
How to send money to Ghana from the USA
- Just tap in how much, and where to.
- Then make a local payment to Wise, whether it's with a wire transfer, ACH or your debit or credit card.
- And that's it.
Wise converts your money at the 'inter-bank' rate – the real rate – so you save big time (even versus the guys saying there's 'zero' commission). On Wise, there's no room for sneaky bank surcharges or creeping hidden charges.
How much does it cost to transfer money to Ghana?
Pay a small, flat fee and percentage
To send money in USD to Ghana, you pay a small, flat fee of 5.09 USD + 0.58% of the amount that's converted (you'll always see the total cost upfront).
Fee depends on your chosen transfer type
Some transfer types have different fees which are usually tiny.
No hidden fees
No big fees, hidden or otherwise. So it's cheaper than what you're used to.
How long will a money transfer to Ghana take?
A money transfer from the USA (USD) to Ghana (GHS) should arrive by Thursday. Sometimes transfer times can differ based on payment methods or verification changes. We’ll always keep you updated, and you can track each step in your account.
On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.
Your transfer route
Should arriveby Thursday
What you’ll need for your online money transfer to Ghana
Register for free.
Sign up online or in our app for free. All you need is an email address, or a Google or Facebook account.
Choose an amount to send.
Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.
Add recipient’s bank details.
Fill in the details of your recipient’s bank account.
Verify your identity.
For some currencies, or for large transfers, we need a photo of your ID. This helps us keep your money safe.
Pay for your transfer.
Send your money with a bank debit (ACH), wire transfer, or a debit or credit card.
We’ll handle the rest. You can track your transfer in your account, and we'll tell your recipient it's coming.
Best ways to send money to Ghana
Direct DebitDirect Debit is a convenient option that lets us take money from your account once you have authorised the payment on our site. It takes a little more time for your money to reach Wise, and it can be more expensive than a bank transfer.
Bank TransferBank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.
Trust Wise with safe & secure money transfers to Ghana
Safeguarded with leading banks
We hold your money with established financial institutions, so it’s separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.
We're a licensed money transmitter
We’re regulated by authorities around the world. This includes the FCA in the UK and FinCEN in the US.
We make sure your money’s secure, and that Wise is financially stable. As we’re not a bank, your money isn’t FSCS protected — instead we safeguard it.
We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.
We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.
Dedicated anti-fraud team
We work round the clock to keep your account and money protected from even the most sophisticated fraud.
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