Send Money to Ghana from Europe

Compare live EUR to GHS exchange rates, fees and transfer speeds from 6 providers. Updated multiple times daily.

Live EUR → GHS rates
Best rate for €100
GHS1,280
via NALA · 1 EUR = 12.80 GHS
Cheapest fee
€0.00
Providers
6

6 providers compared Sorted by recipient amount

ProviderRateFeeRecipient getsSpeed
NALA Best
Minutes – 1 day
🏦📱
12.80
Free
GHS1,280
Minutes – 1 day
Send Now
Sendwave No fee
Minutes – 1 day
📱🏦💵
12.79
Free
GHS1,279
Minutes – 1 day
Send Now
Western Union No fee
Minutes – 4 days
🏦📱💵
12.77
Free
GHS1,277
Minutes – 4 days
Send Now
Xe No fee
Minutes – 4 days
🏦💵📱
12.66
Free
GHS1,266
Minutes – 4 days
Send Now
TransferGo No fee
Minutes – 2 days
🏦
12.52
Free
GHS1,252
Minutes – 2 days
Send Now
Wise
Seconds – 2 days
🏦
12.67
€2.93
GHS1,230
Seconds – 2 days
Send Now
Updated 12:37 UTC · Amounts include all fees
NALA
Minutes – 1 day
Best
Rate
12.80
Fee
Free
Speed
Minutes – 1 day
🏦📱
Recipient gets
GHS1,280
Send Now
Sendwave
Minutes – 1 day
No fee
Rate
12.79
Fee
Free
Speed
Minutes – 1 day
📱🏦💵
Recipient gets
GHS1,279
Send Now
Western Union
Minutes – 4 days
No fee
Rate
12.77
Fee
Free
Speed
Minutes – 4 days
🏦📱💵
Recipient gets
GHS1,277
Send Now
Xe
Minutes – 4 days
No fee
Rate
12.66
Fee
Free
Speed
Minutes – 4 days
🏦💵📱
Recipient gets
GHS1,266
Send Now
TransferGo
Minutes – 2 days
No fee
Rate
12.52
Fee
Free
Speed
Minutes – 2 days
🏦
Recipient gets
GHS1,252
Send Now
Wise
Seconds – 2 days
Rate
12.67
Fee
€2.93
Speed
Seconds – 2 days
🏦
Recipient gets
GHS1,230
Send Now

How to send money from Europe to Ghana

Ghana receives around $4 billion in remittances annually, with the UK, US, and Europe as the primary sending corridors. The country has a well-developed financial infrastructure with major banks and mobile money services widely accessible across the country.

The Ghanaian cedi (GHS) has experienced some volatility in recent years. Fees and exchange rate margins vary significantly between providers regardless of your sending currency, making comparison especially important to ensure your recipient gets the most.

FAQ: Sending money from Europe to Ghana

What is the cheapest way to send money from Europe to Ghana?
Compare providers on Jara to find the best EUR to GHS rate right now. The cheapest provider changes throughout the day as rates fluctuate.
How long does a transfer from Europe to Ghana take?
Most transfers arrive within 1–3 business days, though many providers offer same-day or instant options depending on the receiving method. Mobile money is typically fastest; bank transfers may take longer. Always check the provider's estimated delivery time before sending.
Are there limits on how much I can send?
Each provider has different limits depending on your verification level. Minimum transfers typically range from €1 to €250+. Maximum limits for verified accounts can be much higher. Always check the provider's current limits before initiating a large transfer.
Is it safe to send money through these providers?
All providers listed on Jara are authorised financial services providers in their operating jurisdictions. They use bank-level encryption and are required to safeguard customer funds. We recommend checking recent reviews before using any provider for the first time.
Can money be received via mobile money in Ghana?
Yes — mobile money is widely used in Ghana. Services like MTN Mobile Money and Vodafone Cash are supported by several providers including WorldRemit and Sendwave, often delivering funds within minutes.
Exchange rates and fees shown are indicative and update multiple times daily. Always verify the final rate on the provider's website before completing a transfer. Jara earns affiliate commissions at no extra cost to you.