Send Money from the UK 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 2 providers we hold checked figures for. Remitly and Western Union advertise no transfer fee here, which looks cheaper and often is not: a provider with no fee recovers it in the rate, and the margin is usually the larger of the two costs. 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 2 providers priced at that amount on this corridor: about £8.59 all in, or 0.86% of the amount sent. Wise is next at about £10.99. 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.

Yes. Up to £100, Wise costs least on this corridor; from £250 upwards, Western Union does. The change happens somewhere between those two amounts — they are the amounts actually priced, so naming a precise crossing point would be a guess dressed as a figure. This happens because a transfer costs a flat fee plus a percentage of the amount, and those two scale in opposite directions: on a small transfer the fee dominates, on a large one the exchange-rate margin does. It is why a comparison taken at a single amount can point you at the wrong provider for yours.

Delivery ranges from minutes to a few business days depending on the provider and payout method. LemFi 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, bank deposit, cash pickup and mobile wallet. 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. Sendwave, Western Union and MoneyGram 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 GBP 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 the UK under the Financial Conduct Authority (FCA), 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.

The cedi has swung hard in both directions in two years, which matters more than any fee on this corridor. It gained roughly 41% against the dollar across 2025 — its first annual gain in more than 30 years, driven by a gold-buying push that lifted reserves about 24% to $11.4 billion, plus fiscal discipline under an IMF-backed programme following the 2024 debt restructuring. Then it reversed: the cedi depreciated about 8-10% over the first half of 2026 on structural pressures the rally never fixed (heavy import dependence, a narrow gold-cocoa-oil export base, corporate dollar demand). The practical reading for a sender is that the rate on this corridor is capable of moving double digits within a year in either direction.