Send money from USA to Ghana
Comparing 7 providers for 1,000 USD → GHS
✓All providers licensed and regulated
Paysend
Fee $0.00 · Rate 11.7261
GHS 11,726
your recipient gets
| Provider | Fee | Rate | Spread | Recipient gets† | Speed | Action |
|---|---|---|---|---|---|---|
PaysendBest available Pay with: Debit card · Credit card · Bank transfer | $0.00 | 11.7261 | +0.67% | GHS 11,726.05 | — | Send now |
Pay with: Debit card · Bank transfer | $0.00 | 11.6800 | +0.27% | GHS 11,680.00 | — | Send now |
Receive via: Bank Transfer · Mobile Money Pay with: Bank transfer · Debit card · Credit card · Apple Pay · Google Pay | $0.00 | 11.6600 | +0.10% | GHS 11,660.00 | — | Send now |
Pay with: Debit card | $0.00 | 11.6600 | +0.10% | GHS 11,660.00 | — | Send now |
Pay with: Bank transfer · Debit card · Credit card · Apple Pay · Google Pay | $14.75 | 11.6482 | at mid | GHS 11,476.39 | — | Send now |
Receive via: Cash pickup · bank deposit · mobile wallet Pay with: Bank transfer · Debit card · Credit card · Apple Pay | $0.00 | 11.2946 | 3.04% | GHS 11,294.60 | 22h | Send now |
Receive via: Bank account Pay with: Bank transfer · Debit card · Credit card · Cash (agent) | $30.05 | 10.8146 | 7.16% | GHS 10,489.62 | 1 day | Send now |
Delivery & payment details
Pay with: Debit card · Credit card · Bank transfer
Delivery & payment details
Pay with: Debit card · Bank transfer
Delivery & payment details
Receive via: Bank Transfer · Mobile Money
Pay with: Bank transfer · Debit card · Credit card · Apple Pay · Google Pay
Delivery & payment details
Pay with: Debit card
Delivery & payment details
Pay with: Bank transfer · Debit card · Credit card · Apple Pay · Google Pay
Delivery & payment details
Receive via: Cash pickup · bank deposit · mobile wallet
Pay with: Bank transfer · Debit card · Credit card · Apple Pay
Delivery & payment details
Receive via: Bank account
Pay with: Bank transfer · Debit card · Credit card · Cash (agent)
Updated November 4, 2026 at 08:35 AM UTC
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What we've measured on USD → GHS
Across 64 days of our own recorded quotes, the gap between the best and worst provider on this corridor has run at a median of 11.2% (widest single day: 12.2%). On a 1,000 USD transfer that is the difference between the best and worst choice.
The best provider has changed 5 times in that window, across 3 different providers (Paysend has led on the most days). This corridor is genuinely competitive, so the cheapest option today may not be the cheapest next week.
Provider rates on this corridor are measured against Wise's published mid-market rate. No central bank publishes a rate for GHS, so the yardstick here comes from Wise — which we also rank, and which therefore sits exactly at the reference by definition. We disclose this rather than hide it.
Recipients in Ghana can be paid via a bank account, a mobile wallet and cash pickup, based on what the providers above actually price for this corridor.
Figures come from our own append-only rate history, not from provider marketing. See the methodology and rate trends.
Sending USD from the United States
Money transfer companies operating from the United States are registered as Money Services Businesses (MSBs) with the Financial Crimes Enforcement Network (FinCEN) and are licensed as money transmitters at the state level. Senders typically pay by bank account (ACH), debit card or credit card, and larger transfers may require identity verification before they settle.
This page compares providers for the the United States → Ghana corridor specifically, ranked by how much GHS your recipient actually receives after fees and the exchange-rate margin — not by the headline fee alone.
USD to GHS — Frequently asked questions
What is the cheapest way to send USD to GHS?
Paysend currently offers the best value for USD → GHS, delivering 11,726 GHS for 1,000 USD. We rank by the total amount received after fees and exchange-rate markup, updated every 4 hours. Note that the lead has changed 5 times in the last 64 days across 3 providers, so today's winner is not a permanent answer — check before each transfer.
What is the current USD to GHS exchange rate?
The best available rate is 1 USD = 11.73 GHS via Paysend. The reference (mid-market) rate is 11.65, taken from Wise's published mid-market rate. Across 64 days of our own records, the spread between the best and worst provider on this corridor has run at a median of 11.2%. Rates are updated every 4 hours. Always confirm the final rate on the provider's site before sending.
Are there hidden fees when sending USD to GHS?
On this corridor the two costs split roughly 0.64% in visible fees and 1.46% in exchange-rate markup, averaged over the 7 providers here that publish a fee — so the markup is the larger part, about 69% of what you pay. 5 of them charge no fee at all on this corridor, which is exactly why fee alone is a poor guide. We rank by the amount your recipient actually receives, which captures both. Learn how fees work →
Can I send USD to a mobile wallet in Ghana?
Yes. Several providers on this page pay out to MTN MoMo and Vodafone Cash in Ghana. Choose your wallet as the delivery method at checkout on the provider's site — the recipient gets the money directly in their mobile-wallet balance, usually within minutes. Rankings above already account for the fee and exchange-rate markup, so the best value applies to wallet payout too.