Send money to Ghana

There’s no shortage of ways to send money to Ghana online. Yet before you hit send on your money transfer, you want to make sure you’re choosing the most dependable method. To do so, you’ll need to understand a few factors, like how soon you need the money to arrive, what fees are involved, and the recipient’s personal information.

Only when you’ve worked through these details can you determine the best way to send money to Ghana. The following options are the most popular transfer methods. Review them closely to determine which one will deliver a hassle-free experience for both you and the receiver.

• International bank transfer: Make a bank transfer with money from your checking or savings account to the recipient’s bank account using an international bank transfer. To send money to Ghana, you’ll need the receiver’s international bank account number (IBAN) and their bank’s SWIFT/BIC code. While easy to send, bank transfers can attract high fees and take several days to process.

• Money transfer agents: Using a money transfer agency is a common way to transfer money to Ghana. In some cases, the money will arrive quicker than a bank transfer. However, there can be substantial fees involved, while the exchange rates offered by money transfer agents can be higher than other methods.

• International money orders: Purchasing an international money order from post offices, banks, or retail stores is another way to send money to Ghana. Like a personal check, the receiver can promptly exchange the money for Ghanaian cedi. Yet, sending money orders can be expensive and take significant time to arrive in the traditional mail. There’s also a risk they could get lost or damaged in transit.

• Ria: When you need a reliable way to send money to Ghana, Ria Money Transfer is a superb choice. Used in over 190 countries, Ria allows credit and debit card transfers to reach your loved ones in as little as 15 minutes. With low flat fees, great exchange rates, and no hidden costs, needless charges won’t cut into money intended for your friends and family.

Thanks to Ria, the way you send money to Ghana online doesn’t have to be complicated. Whether you use our website, try our app, or visit a partner location in person, completing a transfer is simple — just how it should be. Once the money has arrived, the receiver has multiple options to accept the funds, such as depositing it into a bank account, using a mobile wallet, or even putting cash in their back pocket.

It can take anywhere from a few minutes to five business days to send money to an overseas location — including Ghana. However, how long it takes depends on several factors, such as:

1. Transaction type

2. Payment method

3. Where you’re sending money from

4. Whether Ria requires additional information for security purposes

5. When you initiate the transfer

Some currencies or transfer methods are only available during local business hours. If you set up a Ghana remittance outside of typical business hours, on a holiday, or on the weekend, you could experience delays.

If you’re looking for the fastest way to send money to Ghana, you may want to use a debit or credit card for your transaction. These methods may incur additional fees, so be aware of that. However, they also typically finalize the same day they’re completed — sometimes within minutes -meaning your recipient could have the money almost immediately.

And if time isn’t a concern, consider setting up a bank transfer instead. This option usually takes three to five business days and comes with fewer fees.

The cost of sending money to Ghana depends on several key factors, such as:

1. The payment method you use

2. The payout method (that is, the way your intended recipient gets the money)

3. Transfer amount

4. Currency exchange rates

Bank remittances are usually the cheapest option, while credit and debit card transfers can come with additional fees. This is especially true with credit card payments, as some credit card companies will charge extra. Keep in mind, though, that international money transfers usually come with certain charges — regardless of how you go about it.

As an international remittance service, Ria strives to keep our rates and fees as low as possible on money transfers to Ghana and other countries. We do that by working with financial institutions worldwide to get you the lowest possible fees and best exchange rates. At times, we also have promo codes to cut down on some of the more unavoidable fees.

The overall transfer amount includes all fees. If you want to see the cost of sending money to Ghana, here are your options:

1. Before you complete the transfer (but after you’ve logged into your account): You can see what it costs to send money to Ghana via the app or website. Simply log into your account and go to “Send” or “Send Money.” Then, select your destination country, how much you want to send, your payout currency, and your payment and delivery methods.

2. Before you initiate a transfer (without logging in): You can go to Ria’s website for an estimate of what it will cost.

Both options can help prevent you from being surprised by any fees or charges associated with sending money overseas.

We offer several ways to track your money transfer to Ghana, but the easiest option is to use our Track a Transfer tool, which provides real-time updates of your transfer — no matter where you are.

Here’s how to use this free online feature:

1. After logging into your Ria account: Once logged in, choose “Track” (from the app) or “Track a transfer” (from the website). Then, input the transfer’s unique personal identification number (PIN) to see its status.

2. Without logging into your Ria account: If you don’t have a Ria account, you can still use the Track a Transfer feature. You’ll still need the unique PIN, however. This enables both the sender and recipient to see the transfer status at any point.

Two things are worth noting.

1. If you reside in Australia, you must also provide your birth date and recipient’s country (Ghana) to track the transfer.

2. As the sender, you’ll also receive emailed updates regarding the transfer’s status and any major changes.

There are several ways to send money to Ghana safely and efficiently. Which method is the best for you is a personal decision — it all comes down to how fast you need the Ghana money transfer to arrive, how you want your friends and family to receive it, and how you want to pay.

Bank transfers: You can use your bank to transfer money to a bank in Ghana through an international wire transfer. With this method, there’s no cash involved — you simply instruct your bank to send money to your recipient’s bank account. 

To complete a wire transfer through your bank, you usually must provide your recipient’s name, address, contact information, and banking information. This includes their international bank account number (IBAN) and their bank’s SWIFT/BIC code. 

There are several drawbacks to using a bank transfer to send money to Ghana. For one, both you and your recipient need to have bank accounts at institutions that allow international transfers. 

For another, they’re typically expensive. Some banks charge as much as $50 for the convenience of an international wire transfer to the sender. And a few charge a fee to the recipient as well. In addition, your bank may limit the amount of money you can send through this method.

Money transfer agents: Traditional money transfer agents allow customers to send money abroad using cash. These agents usually have offices you can visit to fund the transfer with cash. Your recipient can then visit the transfer agent’s office closest to them and receive the money as cash. 

Of course, one of the main drawbacks of using this method for sending money is that your recipient must live near a transfer agent’s office. Another is the fact that these agents sometimes have complicated pricing structures, and fees and exchange rates can vary widely.

Money orders: Sending an international money order is similar to sending a check through the mail. You can buy a pre-paid money order certificate from your local post office or bank and then send it directly to your recipient via international mail. They can then redeem the certificate for cash.

There are several big disadvantages to this money-sending method, mainly that it’s expensive and slow. 

Online money transfer services: Online money transfer services such as Ria make it easy to send money to Ghana and more than 165 other countries around the globe. Ria charges no sneaky hidden fees, so your Ghana remittance will go further. 

Ria also offers great exchange rates and allows you to send money through our convenient mobile app or any of the 500,000-plus participating locations. Ria offers a quick alternative to other money-sending methods. Many transfers arrive within minutes. Send money with Ria now. 

You can sign up for Ria on the website or the app. Both options are quick, easy, and secure. On average, the entire process only takes a few minutes to complete.

To create an account on the website, head to http://riamoneytransfer.com/ and follow the instructions. You’ll need to provide some information about yourself — e.g., your first and last name, date of birth, email address, and phone number. If you live outside Canada or the US, you may need additional information about your nationality and occupation.To sign up via the app, you’ll need to first download the app to your smartphone. Once that’s done, click “Register” and choose your country of residence. You’ll need the same type of information when creating your account as you did on the website.

Whether you sign up via the app or website, you’ll need to set up three security questions to maximize account security. You must also agree to the Terms and Conditions to complete registration.

Upon submitting your information, you’ll receive a security code to the phone number you provide. Use it to verify your account.

How you choose to transfer money to Ghana determines the information you'll need. If you decide to send an international money order, you’ll need to know the recipient’s precise address and contact details. For an international bank transfer, you need an account number and SWIFT/BIC code.

Fortunately, using Ria to send money to Ghana is easy after completing just a few steps. Review this simple checklist to ensure you have all the information you need to transfer money to your friends and family:

• Full name of your recipient (exactly as it appears on their government-issued photo ID)

• Name of the city and department in which your recipient lives

• The amount of money you wish to send to Ghana

• Payment information (i.e., bank account information, credit card number, etc.)

• Payout information (i.e., bank account information for a bank transfer, location for cash pickup, etc.)

Sometimes, you may need to gather additional information, such as a mobile wallet number, street address, or phone number.

You can set up a Ghana money transfer from the Ria app or website. Start by signing into your existing account or create a new one if you don’t have one. If you haven’t verified your phone number or set up your online profile yet, you can do that now.

Since this is your first money transfer to Ghana, you’ll need to add a new recipient to your account — that is, the person who will receive money in Ghana. Adding a recipient is easy. Just provide basic information about them, such as their name, current location, and phone number. If you want to transfer money to their bank, input their bank account details as well.

Once you’ve added a recipient to your account, you can decide how much money to send them — either in your currency or theirs. At this point, you can also select the payout method. Remember, each payout method comes with its own advantages and fees.

With that done, simply choose your payment method for the Ghana remittance. You can add a new payment method to your account on the website or the app.

Once you’ve completed that first transfer, the process becomes even easier as your recipient’s basic information is saved to your account. Ria doesn’t store your recipient’s bank account information, however, so you will need to input that again.

Some money transfers go through within minutes of setting them up. However, you might have to wait a few hours or days before your transfer is complete.

That’s where tracking your transfer comes into play. You can use the Track a Transfer feature for status updates on your Ghana remittance. You’ll just need the PIN, which you can find in your account or the confirmation email you received after scheduling the transfer. Your recipient can also use this tool.

A standard money transfer to Ghana doesn’t take very long to complete, though it depends on the payment and payout methods. If you’ve chosen a debit or credit card transfer, your recipient should receive money in Ghana within minutes. A bank transfer, on the other hand, can take several business days to complete.

Certain factors may delay your transfer. For example, if you set up the transfer outside local business hours or on a holiday or weekend, it might take a little longer. In some cases, Ria will also request additional information from you for security purposes, which could cause additional delays.

Senders and recipients can use Ria’s Track a Transfer feature for real-time transfer updates. All you need is the transfer’s PIN and order number.

Senders can also use the Ria app to track the transaction — just tap the “Track” option. In addition, senders will be notified by email when their recipient has picked up or received the money — or if there’s another major status change.

While it's easy to transfer money to Ghana with Ria, it’s equally straightforward for receivers to access the funds. Just let the sender know if you prefer payment via a digital option or cash pickup. If you choose cash, check the opening hours and safety protocols for your nearest Ria location, and remember to bring a valid ID and the order number provided with your transfer.

• Receive a bank deposit: With more than 3.6 billion accounts, Ria has one of the largest bank deposit networks in the world. This makes receiving a bank deposit simple — just provide the sender with your bank’s IBAN, account type, and number. If you don’t know these details, contact your bank for precise details.

• Visit a Ria partner location: Available in more than 160 countries, Ria has over 500,000 partner locations where you can make a cash pickup. To find your nearest one, use our convenient Store Locator tool. You might think most Ria customers prefer digital payouts, yet cash pickup remains our most common payout method.

• Mobile wallet: Want to deposit money directly into a mobile wallet? You aren’t alone. More than $1 billion is sent this way daily, so it makes sense for Ria to support this method. Here are the mobile wallets that Ria has partnered with in Ghana:

– MTN MoMo

– Vodafone

– AirtelTigo

If you’re ready to send money to Ghana, the method you use to fund your transfer depends on your country of residence and if you transfer via the Ria website or mobile app.

If you use the Ria website, you can send money via:

• Bank transfer (in the U.S.)

• Cash (in the U.S., Malaysia, or Singapore)

• Debit or credit card (in Australia, Canada, Spain, the U.K., or the U.S.)

If you use the Ria mobile app, these funding methods are available:

• Bank transfer (in the U.S.)

• Cash (in the U.S., Malaysia, or Singapore)

• Debit or credit card (in Australia, Canada, Europe, Malaysia, the U.K., or the U.S.)

• Klarna (in Austria, Germany, or Spain)

• Fintoc or Sencillito (in Chile)

• Bancontact (in Belgium)

• iDEAL (in the Netherlands)

• Giropay (in Germany)

• FPX (in Malaysia)

• PayID (in Australia)

Check out this detailed list to learn more about our payment methods.

Unfortunately, you can't use Zelle to send money to Ghana.

That's because Zelle currently works only with bank accounts based in the U.S. There's no way to make a money transfer to an international account. Both the recipient and the sender must have U.S.-based checking or savings accounts — as well as U.S. phone numbers.

Instead, consider using an online money transfer service like Ria. Ria is quick, safe, and convenient. We offer great exchange rates, low fees (with no hidden charges), and a variety of payment and pickup options — all from our website or mobile app.

Ria serves customers in more than 165 countries — meaning sending money to or receiving money in Ghana is a breeze. You don't even need to have a bank account to use Ria — unlike with Zelle. Send money now with Ria. 

Currently, you can't use Venmo to send money to Ghana. That's because only U.S. residents can use the app to send or receive money transfers.

Venmo may not work with international accounts. But Ria serves more than 165 countries around the globe — including Ghana. Ria makes sending money internationally simple, quick, and secure. Your recipient in Ghana could get the money transfer in as little as 15 minutes if you use Ria. Plus, there are no additional fees. You are fully aware of all costs and the amount of Ghana currency your recipient will get before you even complete the transfer.

Send money now with Ria.

Visit any Ria location, use our website, or log into our mobile app to send money directly to your recipient’s bank account in Ghana. All you need is:

1. The recipient’s full legal name (as it appears on their bank account)

2. The name of the recipient’s bank 

3. The recipient’s bank account number or IBAN (international bank account number)

Ria will take care of the rest!

Hands down, sending money via electronic transfer is the safest way to send money to Ghana.

In the old days, it was common for people to send remittances by mailing cash. Not only does this method take a long time (they call it “snail mail” for a good reason), but it’s also just not safe. The mailed money could get stolen or lost at any point during its long journey.

Instead, using an online money transfer service like Ria ensures that your money gets exactly where you intend it to go. 

In addition, Ria’s team of world-class security experts works around the clock to monitor your money transfers and keep a watchful eye out for unusual behavior. Ria’s software allows the team to spot any suspicious activity long before any harm can be done to your account.

Plus, Ria never stores your payment details on its servers. So, your credit or debit card or bank account information will never be compromised in Ria’s system.

Your safety is Ria’s number one priority when sending money to Ghana.

Transferring money to friends and family overseas shouldn’t be time-consuming or challenging. When you use a convenient service like Ria, it won’t take long to discover how easy sending money to places like Ghana can be. See how it compares to the most common options for transferring funds internationally:

• International bank transfer: Using an international bank transfer to send money overseas is mostly straightforward. However, the time it takes to arrive could be a dealbreaker, depending on how soon the recipient needs to access the funds.

• International money order: The privacy and availability of money orders are a solid benefit. Yet using traditional mail to send funds overseas can be slow and tedious. Plus, the fees to do so can be significant.

• Third-party money transfer agent: Sending funds via a money transfer agent is helpful if the funds need to arrive quickly. However, you’ll almost certainly pay higher fees and encounter worse exchange rates than necessary.

• Ria: Transferring money to loved ones overseas is simple with Ria’s easy-to-use app and website alongside thousands of partner locations worldwide. With benefits for both senders and receivers, your friends and family can use several payout options for maximum convenience.

Need to find the best way to send money to Ghana? Complete these steps to transfer money quickly with Ria:

1. Set up a free Ria account. You'll need to provide your full name, birth date, and contact information. (Depending on where you currently live, there may be additional information requirements.)

2. Click or tap the "Send" or "Send Money" button.

3. Select "Ghana" from the drop-down list of countries.

4. Enter the amount you wish to send for your remittance to Ghana. You'll see the exchange rate, Ria's fees, and exactly how much Ghanaian cedi the recipient will receive.

5. Choose a payment option. Depending on where you live, you can use a linked bank account, debit or credit card, or other options. You may also use cash by visiting a participating Ria location.

6. Select how your recipient in Ghana wants to receive the money. They can opt for in-person cash pickup, use a mobile wallet, or deposit it into a checking or savings account.

7. Tap "Continue."

8. Add your recipient's full name (be sure it matches their government-issued photo ID), along with the city and region where they live.

9. Enter the necessary details for your delivery method (such as which cash pickup location they wish to use or their bank of choice).

10. Input your payment information.

You can also use PayNearMe to send cash to a friend in Ghana. Available at participating 7-Eleven stores, PayNearMe makes it easy to get started with the in-store guide. Use the barcode from the Ria webpage to finish setting up your money transfer.

If you're using the Ria app, get the barcode by:

• Tapping the "Fund Transfer" button on the Fund Transfer page

• Selecting the transfer from the Activity Page and clicking "Pay"

You can also complete the transfer by printing the barcode from the Ria website and presenting it to the 7-Eleven clerk. If you send a money transfer via the Ria app, you can show the barcode to the clerk directly in the app.

Once the transfer is finalized, follow its progress with the provided personal identification number (PIN). Your friend in Ghana can also use the PIN to track the transfer and plan a visit to their bank or a Ria partner store.