Last year, over $6.65 billion in remittances was officially sent to Ghana from abroad, but some say the real number may be twice as large. Much of this money is the support from Ghana expats for their loved ones back home. As it is, the question of where to find the best money transfer to Ghana is a burning one. Have a look at our brief expat guide explaining how to send money to Ghana and providing some useful money tips.
Overview
Today, Ghana migrants in Europe can send money home through one of the following channels:
- Traditional banks
- Traditional remittance providers
- Cryptocurrency
- Online money transfer services
Both banks and traditional services, such as Western Union or MoneyGram, are tried and tested methods which are safe. They also come in handy if the money is sent/collected in cash. However, both are very expensive and slow compared to alternatives.
Cryptocurrency is still a grey area in Ghana, and your money is not legally protected. In addition, sending money to Ghana in cryptocurrency requires some advanced fintech knowledge and high fraud alertness.
Protect yourself: Avoiding money transfer scams, red flags every expat should know.
In turn, online remittance providers are an optimal solution for those who are looking for safe and convenient, but also cheap Ghana transfers. To save you the time on research, below we review several popular international services.
Choosing the best money transfer app to Ghana, September 2025
| Service | EUR to GHS exchange rate | EUR 100 first transfer (GHS) | Receiving options |
|---|---|---|---|
| Revolut | 14.00 | 1,375.01 Fee: EUR 1.80* |
Bank deposits, card transfers |
| Wise | 14.25 | 1,378.09 Fee: EUR 3.29* |
Bank deposits, mobile money |
| LemFi | 13.99 | 1,399.00 Zero fees |
Bank deposits, mobile money |
| Nala | 14.05 | 1,404.15 (hidden fee) |
Bank deposits, mobile money |
| Profee | 14.27 | 1,426.86 Zero fees |
Card transfers, mobile money |
*Money transfers to Ghana paid by bank transfer
Revolut
When asked about the best way to send money to Ghana, many EU and UK residents might suggest Revolut as one of the top services. It is popular there simply because it is an enormous neobanking ecosystem spreading over 200 countries and transacting in more than 35 currencies. Also, because of free and quick transfers between Revolut users. But if you’re wondering how to send money to Ghana this way, you’re in for a disappointment: such money transfers to Ghana are unavailable. Similarly, you cannot transfer money from Europe to a mobile wallet in Ghana. The only receiving options for international money transfers to Ghana with Revolut are bank and card transfers.
The company charges a fee for those, which, combined with a high markup on currency exchange rates, makes it the most expensive and not the best money transfer to Ghana. There may be fees even on top of that, depending on the amount or the time of the transaction.
- Comprehensive banking service
- Free transfers within Revolut
- High/hidden fees
- Account blocking
- Inefficient customer support
Wise
Another major player in the global remittance industry, Wise, has been on the market since 2011. Today, it operates 50+ currencies and is present in 160+ destinations. But does it really offer the best money transfer to Ghana? Maybe, if you don’t mind paying extra.
According to Wise, its customers transfer money from Europe at mid-market rates. It does not always equal the best way to send money to Ghana, however. As our brief transfer comparison shows, Profee offers a better currency exchange rate. Moreover, Wise charges the highest fee compared to the other apps for sending money to Ghana.
Wise heavily invests in an affiliate programme with influencers and businesses. So, next time you see someone recommending it as the best money transfer app to Ghana, check if this is an independent review.
- Multiple destinations and currencies
- Easy to use
- High fees
- Heavy bureaucracy
- Inefficient customer support
LemFi
A young Nigerian startup, LemFi strives to offer the best money transfer to Ghana and other destinations of the African and Asian markets. While it charges no commission on its online remittances to Ghana, its euro to GHS currency exchange rate is not the best compared to other apps for sending money to Ghana.
Among the receiving options are various mobile wallets, including MTN and Vodafone Cash, and bank deposits, but the withdrawal fees are not always transparent. Some of those who transfer money from Europe, find that its customer support could be more helpful.
Like Wise, LemFi has an affiliate network and works closely with ‘influencers’ who would commercially promote it as the best money transfer app to Ghana.
- No fees
- Fast delivery
- Unfavourable exchange rates
- Weak customer support
- App-only version, no web-based interface
Nala
Another option to transfer money from Europe to Ghana is via Nala, a fintech app (again, no web interface) which also offers a digital wallet and bill payments among other services. Senders can pay for their money transfers to Ghana by debit card, bank transfer, or Apple Pay. With its focus being on Africa, its coverage so far is not very extensive, only about 20 countries.
Although Nala claims to offer affordable transfers, its fee structure is not clearly explained. It also has a rather high share (25%) of negative reviews on Trustpilot. Keep that in mind if looking at how to send money to Ghana via Nala.
- Extra services
- Free intra-Nala transfers within the UK (EUR 0.99 within the EU)
- Unexpected delivery delays
- Unclear fee structure
- Limited payment options
Profee
Profee offers one of the best money transfers to Ghana and 90+ other destinations globally. A licensed online money transfer service, it has been recognised as the “Most Innovative Transfer Solution 2024” by International Business Magazine, and its fast-growing popularity reflects its advantages:
Affordability
Sending money to Ghana doesn’t have to be expensive if you do it with Profee. Thanks to its unique market monitoring system, it offers the best currency exchange rates at any given moment. It charges very low fees (and often none at all).
Transparency
There are no hidden fees on Profee transfers. The sender always knows the exact amount their recipient in Ghana gets.
Speed
Transfers via Profee are almost instant. It takes you only a couple of minutes to sign up and send your first money. If you need to send larger amounts, all verification procedures are streamlined.
Safety and security
If there is a regulatory or legal requirement or a latest industry security protocol, Profee has it covered, providing the highest level of protection for its customers’ data and money.
Convenience
Profee comes as an iOS/Android app and a web service with an intuitive interface, ensuring a seamless customer experience anytime, anywhere. It has also partnered with leading Ghanaian mobile wallets, including AirtelTigo, MTN, and Telecel, so the money can be deposited directly to your recipient’s phone. Sending money to Ghana with Profee is very easy: you only need to know the recipient’s full name and the number of their bank card or mobile phone.
Extra perks
In addition to various promo deals and offers, Profee runs a generous referral programme. Invite your friends to try out the service and get rewarded as soon as they send their first transfer – both you and them! There are no time frames and no limits to the number of people you can invite. As you can see, for the best money transfer to Ghana, start with Profee. Download the app from Google Play or the App Store, or use the web converter to unlock all the benefits.
More financial tips:
FAQ: Money transfers to Ghana
How to send money from Europe to Ghana?
International money transfers to Ghana can be done in a traditional way, through a bank or a remittance service like Western Union. There are also plenty of online providers, such as Wise or Profee, and many of them conveniently allow transfers to mobile wallets. Cryptocurrency is another option for sending money to Ghana.
What is the best way to send money to Ghana?
Between bank transfers, traditional remittance services, money transfer apps, and cryptocurrencies, each method has its pros and cons. The first two offer safe transfers, but both will be slow and very expensive. If you are looking at how to send money to Ghana through cryptocurrencies, it can get you a good bargain, but it is not legally recognised; in case of fraud, which is very common, your money is not protected. Objectively, the best money transfer to Ghana today is offered by online remittance services such as Profee: they are easy to use, secure, fast, and affordable.
Which app is good to send money to Ghana?
If you are not looking for cheap apps specifically, then any that offers the option of money transfers to Ghana – provided that it is a secure service (check its website for relevant documents and read independent customer reviews). Services like Revolut, Wise, and Remitly are generally considered reliable apps. However, if you prefer to spend your money smartly then the best way to send money to Ghana is via Profee: it charges no fees and always offers market-beating currency exchange rates.
Can I use Wise in Ghana?
Wise allows digital transfers from Europe to Ghana but not the other way around. The money can be sent either to a recipient’s bank account or their mobile wallet. There is a brief guide on the Wise’s website on sending money to Ghana.
How to send money from Germany to Ghana through mobile money?
Some online remittance services offer this option for international money transfers to Ghana, but not all. For example, Profee’s customers have a choice between AirtelTigo, MTN, and Telecel whereas Revolut only deals with bank and card money transfers to Ghana. So, make sure you check the availability in advance.
