USA → GHANA
Send Money from the USA to Ghana
Compare international money transfer providers sending USD from the United States to Ghana. Review exchange rates, fees, delivery speed, and payout methods before choosing a provider.
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Compare Ghana Money Transfer Providers
| Provider | Promotion | Fee Type | Payout Method | Delivery Speed | Best For |
|---|---|---|---|---|---|
 Paysend | No current promo — standard rates apply | Flat Fee ($1.99) | Bank Accounts, Digital Wallets | Minutes | Bank account and digital wallet transfers |
 Remitly | Welcome offer: $10 discount on first transfer | Flat Fee ($0.99) | Mobile Money, Bank Account | Minutes | Best welcome offer for first-time senders |
 WorldRemit | No current promo — standard rates apply | No Fee | Bank Transfer | Within 2 working days | Bank transfer option with zero fee |
 Taptap Send | No current promo — standard rates apply | No Fee | Mobile Wallet, Bank Transfer | Instant | Wide local coverage with zero transfer fees |
 Sendwave | No current promo — standard rates apply | No Fee | Mobile Wallet (MTN, Vodafone, AirtelTigo) | Instant | Zero-fee transfers to MTN, Vodafone, and AirtelTigo mobile money |
 LemFi | No current promo — standard rates apply | No Fee | Mobile Money (MTN, AirtelTigo, Vodafone), Bank Account | Minutes | Zero-fee transfers to mobile money and bank accounts |
 Xoom | No current promo — standard rates apply | No Fee | Mobile Wallet, Cash Pickup, Bank Deposit | Minutes | Fee-free option via PYUSD, bank, or debit card |
 Wise | No current promo — standard rates apply | Percentage-based fee + FX spread | Bank Transfer | Same Day | Transparent FX pricing |
 Revolut | No current promo — standard rates apply | Flat fee / transfer fee varies | Bank Transfer, Card Transfer | Minutes | Low-cost bank-to-bank transfers |
 Western Union | $0 fee: first online transfer | No fee — first transfer | Bank Transfer, Cash Pickup, Mobile Wallet | Minutes | Fast delivery and payout flexibility |
🇬🇭 About Sending Money to Ghana
Ghana is one of the largest remittance recipients in Sub-Saharan Africa, with diaspora transfers — including a significant share from the United States — now a major part of the national economy.
Did you know?
Ghana received roughly $7.8 billion in remittances in 2025, equivalent to around 6% of its GDP, with the United States among its largest sending countries.
Mobile money — dominated by networks like MTN, Vodafone, and AirtelTigo — has become a major channel for receiving transfers in Ghana, which is why several providers on this corridor name these specific mobile money networks rather than a generic “mobile wallet.”
Fintech-driven mobile money transfers have compressed remittance costs to Africa, which traditionally ran 7–12% per transaction, down to a much smaller share and in some cases no fee at all — matching the standing zero-fee pricing offered by several providers compared here.
Source: Bank of Ghana and World Bank remittance data; industry research on African mobile money adoption and remittance cost trends. Remittance totals fluctuate year to year and are cited as approximate.
Available Providers for Ghana
Not a ranking — each provider fits a different use case. See the comparison table above for current promotions and fee types.
Paysend
Typical use case: Bank account and digital wallet transfers
Delivery: Minutes
Payout options: Bank Accounts, Digital Wallets
Remitly
Typical use case: Best welcome offer for first-time senders
Delivery: Minutes
Payout options: Mobile Money, Bank Account
WorldRemit
Typical use case: Bank transfer option with zero fee
Delivery: Within 2 business days
Payout options: Bank Transfer
Taptap Send
Typical use case: Wide local coverage with zero transfer fees
Delivery: Instant
Payout options: Mobile Wallet, Bank Transfer
Sendwave
Typical use case: Zero-fee transfers to MTN, Vodafone, and AirtelTigo mobile money
Delivery: Instant
Payout options: Mobile Wallet (MTN, Vodafone, AirtelTigo)
LemFi
Typical use case: Zero-fee transfers to mobile money and bank accounts
Delivery: Minutes
Payout options: Mobile Money (MTN, AirtelTigo, Vodafone), Bank Account
Xoom
Typical use case: Fee-free option via PYUSD, bank, or debit card
Delivery: Minutes
Payout options: Mobile Wallet, Cash Pickup, Bank Deposit
Wise
Typical use case: Transparent FX pricing
Delivery: Same Day
Payout options: Bank Transfer
Revolut
Typical use case: Low-cost bank-to-bank transfers
Delivery: Minutes
Payout options: Bank Transfer, Card Transfer
Western Union
Typical use case: Fast delivery and payout flexibility
Delivery: Minutes
Payout options: Bank Transfer, Cash Pickup, Mobile Wallet
Methodology
Remit Architect compares providers using a standardized $100 USD transfer benchmark from a U.S. bank account to a recipient account in Ghana. Rates, fees, and availability change frequently and are reviewed on a recurring cycle; figures shown may not reflect real-time pricing — always confirm the current rate and fee directly on the provider’s site before sending.
Sending country: United States Destination: Ghana Last reviewed: August 2026