Send Money from Germany to Ghana

Measured on the full cost — the transfer fee plus the exchange-rate margin — Western Union is cheapest on this corridor at €1,000, across the 3 providers we hold checked figures for. The cheapest provider also changes with the amount you send, so compare the final sum that arrives in Ghanaian cedis rather than the headline fee.

At €1,000, Western Union is the cheapest of the 3 providers priced at that amount on this corridor: about €6.19 all in, or 0.62% of the amount sent. Remitly is next at about €10.09. That is the fee plus the exchange-rate margin that applied to a transfer of that size — priced at €1,000 specifically, not worked out from a measurement taken at some other amount. It covers a bank transfer; cash pickup and mobile wallet payouts are priced separately. The margins were measured by Wise's comparison service rather than published by the providers themselves, and other providers here may be cheaper and are not priced this way.

Delivery ranges from minutes to a few business days depending on the provider and payout method. TransferGo can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are MTN Mobile Money, Telecel Cash, bank deposit, cash pickup, mobile wallet and card payout. The most widely used options in Ghana are MTN Mobile Money, Telecel Cash, AirtelTigo Money and bank deposit. Mobile money wallets reach far more people in Ghana than bank branches, so wallet delivery is often the practical choice. Not every provider supports every method, so check the table above before you commit.

No. Remitly and Western Union offer cash pickup in Ghana, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, MTN Mobile Money, Telecel Cash, AirtelTigo Money and bank deposit generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For EUR to GHS, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Germany under BaFin, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly €10,000, a specialist foreign-exchange broker will often beat an app on rate.

Mobile money is how most recipients in Ghana actually take money, and three of the four services here pay into a wallet. The networks are MTN Mobile Money, AirtelTigo Money and Telecel Cash — the last of these was Vodafone Cash until a 2024 rebrand, and some providers still list the old name on their own pages. None of the four publishes a standing fee for this corridor. Every one of them quotes at checkout, so the figure you are shown on the quote is the only one that binds — compare the cedi amount that actually arrives rather than the advertised fee. Remitly's discount and rate here are first-transfer offers for new customers. A returning sender gets a different rate, so read the quote in front of you rather than the landing page. Ria serves both Germany and Ghana but carries no row here: it publishes a Ghana page for its UK market and none for its German one, so no German-market terms could be checked. That is a gap in what we could verify, not evidence the service is unavailable.