This is a call out for people looking for the best money transfer to Ghana. We have something life-saving for you — a detailed analysis of the remittance options from Europe. Read further and decide the best way to send money to Ghana with us.
Ways for sending money to Ghana
Compare methods of sending money to Ghana
Expats’ choice — Profee
FAQ — How to send money to Ghana
Ways for sending money to Ghana
After getting rid of extra risky methods (like giving your cash to a traveller and hoping they’ll not steal it), we have three candidates left for the title of ‘the best way to send money to Ghana’. Presenting you with bank transfers, cryptocurrency and online services or apps for sending money to Ghana. We'll describe them individually and then compare them in one table.
Read more:
Bank transfers
International money transfers to Ghana through banks are easy to understand. Knowing IBAN, BIC and other account details, you can send funds from Europe to any bank account in Ghana.
How it’s done: In most cases, online banking is used. However, some banks allow you to come to a branch and set up the transfer right there with staff assistance.
What you’ll need: An open bank account, sufficient funds, and the recipient's bank account details.
We summarised expats' experiences and official bank information for you and divided it into 'pros' and 'cons'. Since each bank's offer varies, we can't provide specific numbers for fees and delivery days. Instead, we generalised them.
Pros:
- Banks’ safety is top-tier. They are closely supervised by the authorities, leaving no room for negligence. Your money transfer to Ghana will be protected by official institutions, and, in case of a fraud, security team and police will be able to help.
- Wide network. Popular banks have a huge list of partners globally. Your recipient’s bank is likely included, too, so sending money to Ghana should go smoothly.
Cons:
- High fees. Sometimes fixed (e.x, 6 EUR), sometimes in percent (3-5% on average, often more), but always annoying. Regarding final costs, banks are not the best way to send money to Ghana.
- Slow processing times. Endless verifications can result in days for transfers to arrive. Also, some banks don't work on weekends, so your transaction will be postponed until Monday.
Conclusion on banks: Regarding safety, banks ensure the best money transfer to Ghana. It might work if you don’t mind waiting longer and paying extra. But for us, that’s not good enough — the best way to send money to Ghana must be balanced.
Crypto transfers
Many people are unfamiliar with money transfers to Ghana via crypto. For the initial set-up, it’s more complicated than bank transfers; you’ll need to create an account, verify identity and figure out what to do. People far from crypto and trading are having a hard time with their first transfers.
How it’s done: Go to popular crypto platforms and sign up. Usually, expats transfer money from Europe through P2P transactions. It’s when you buy and sell currency directly from/to a person.
What you’ll need: Bank account, crypto wallet, sufficient funds, a couple of hours to understand what’s going on.
Without further ado, let’s roast the process of sending money to Ghana via crypto.
Pros:
- No third parties. Services and banks are not involved in approving crypto money transfers to Ghana. So money goes faster and isn’t stuck in the middle of the day.
- Fewer costs. Again, no banks or services, meaning no fees from them. However, the exchange rate may be a bit poor when you transfer money from Europe.
Cons:
- Grey zone. The EU tries to regulate crypto with laws, while Ghana hasn’t taken steps towards it yet. It's not illegal, but the government has little power to protect you and your funds if something goes wrong.
- Too complicated for beginners. Imagine you’re returning home from a work shift, tired and dreaming of a shower and a bed. We doubt you’ll have the energy to learn how to use crypto from scratch. That’s why it’s not the best money transfer to Ghana option for most expats.
For busy people, the best money transfer to Ghana must be fast, simple and 100% secure, and crypto is not giving it.
Online services
Online services are tools for the best money transfer to Ghana. We've finally found one. High-quality apps for sending money to Ghana have a simple interface, deliver money in minutes, and keep the fees low. It sounds too good to be true, so let's explore it in more detail.
How it’s done: You register on a website or an app, quickly set up the transfer and send money directly to recipients. People receiving funds don’t have to create an account.
What you’ll need: Bank account, an app/service account, recipient details, and a couple minutes of your time.
Pros:
- Flexibility. You can transfer money from Europe 24/7. Services are available all day and night from anywhere, as long as you’re connected to the internet.
- Cost-effectiveness. Unlike banks, online services charge low fees and keep the rates competitive. The best money transfer app to Ghana will have rates sweeter than those of Google.
- Security. Choose a licensed service, and your money and data will be protected from start to finish. Money transfers to Ghana with online services are fully legal.
Cons:
- A flood of offers. There are way too many options to choose from, so finding the best money transfer app to Ghana is hard. With different rates and fees, decision-making becomes a bit tough. To ease your life, we’ll introduce one of the top apps in this article later.
- Banks and partners are involved. Sometimes, the bank may pause your transaction. If this happens, services try to figure out the reasons and help you solve the problem, but it’ll postpone the delivery.
Money transfers to Ghana with online services are one of the most popular choices nowadays. They fit in expats’ packed schedules and don’t cause extra stress — the best money transfer to Ghana is a peaceful one.
Compare methods of sending money to Ghana
This is how your transfers from Europe will differ depending on what method you choose:
| Parameter | Banks | Crypto | Online services |
|---|---|---|---|
| Speed | Up to several days | Minutes–hours after you understand how to send P2P | Several minutes on average |
| Security | Top level | Questionable | Top level |
| Fees | High | Little to none | Little to none |
| Rates | Average | Beneficial | Beneficial |
| Convenience | Depends on your bank | Hard for beginners | Easy and straightforward |
Expats’ choice — Profee
As one of the best money transfer apps to Ghana, Profee offers you:
Wallet-friendly transfers
- Unmatched rates.
- Welcome offer: Get a promo rate and send fee-free for the first time.
- Reader gift: READPROMO for a 0% fee transfer, valid until September 30th, 2025.
- Transparent pricing, so you always know what you pay.
Stress-free transfers
- Strict security standards. Read how we make remittances secure here.
- Diverse transfer options. Transfer money from Europe to Visa, MasterCard, AirtelTigo, MTN, Telecel.
How to send money to Ghana with Profee
There’s no way you’ll be confused because Profee’s interface guides you on every step of the transfer. Get it done in 5 steps:
- Register. We'll ask for your name, phone, email, and some other details to verify your identity. It’s part of making international money transfers to Ghana safe.
- Select countries and currencies. Find your current location and Ghana on our list. Want to send money to someone in another country? Profee covers 90+ destinations, transfer to any of them freely.
- Insert the transfer amount. The best money transfer to Ghana is the one that makes your loved ones smile. So add a little bit more to surprise them.
- Choose how to pay. Visa/Mastercard or Apple/Google Pay.
- Add the recipient details.
- Double-check and approve. Your transfer will be smooth only if you write all the names and numbers correctly. Check them before confirmation.
FAQ — How to send money to Ghana
Can I send money from the Netherlands to Ghana?
Yes, you can send money from the Netherlands to Ghana with Profee. You’ll be done with it in several minutes.
How to safely send money to Ghana?
To make secure transfers, follow these tips:
- Use a service you trust – Profee is your go-to choice.
- Verify the identity of your receiver.
- Read about scam red flags in this article.
- Only use secure networks (avoid public Wi-Fi) when sending money. Make sure the app or website has encryption and shows a padlock in the browser.
- Enable two-factor authentication if available, and use a strong, unique password for your transfer app.
Can you send money to mobile wallets in Ghana?
Yes, with Profee, you can send to AirtelTigo, MTN, Telecel.
How can I send someone cash immediately?
Sending money to Ghana with cash is possible with Western Union, WorldRemit or similar cash pickup services.
Which apps send money to Ghana?
Profee, TapTap Send, Wise, Remitly, Revolut and many others. Profee stands out among them as a secure, beneficial and effective option.
