How to Send Money from Ghana to USA: Best and Cheapest Options in 2025, Sending money from Ghana to the USA has become easier than ever with banks, mobile money, and online transfer services. Whether you are supporting family, paying for school fees, or doing business, choosing the right method can save you time and money. In this guide, we’ll explore the best and cheapest ways to transfer money from Ghana to America.
1. Bank Transfers from Ghana to USA
Traditional banks in Ghana such as GCB, Ecobank, Stanbic Bank, and Fidelity Bank offer international wire transfers. With this method, the sender visits the bank, provides the recipient’s US bank details, and authorizes the transfer.
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Processing time: 2 – 5 business days
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Fees: $20 – $50 depending on the bank
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Best for: Large transfers, business payments
Bank transfers are secure but can be expensive and slow compared to digital options.
2. Mobile Money Transfers (MTN MoMo, AirtelTigo, Vodafone Cash)
Mobile money is popular in Ghana, and services like MTN Mobile Money International Transfer allow direct transfers to the USA through partners such as WorldRemit, Sendwave, and Remitly.
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Processing time: Instant to 1 day
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Fees: Low, often under 5%
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Best for: Small to medium transfers
This is a convenient option for individuals who want to send money quickly using their phones.
3. Money Transfer Services (Western Union, MoneyGram, Ria)
Western Union and MoneyGram remain reliable choices for international money transfers from Ghana to the USA. Funds can be collected in cash or deposited directly into US bank accounts.
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Processing time: Instant to 2 days
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Fees: Moderate to high depending on the amount
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Best for: Cash pickups, when the recipient doesn’t have a bank account
While these services are widely available, the fees can add up if you send money often.
4. Online Money Transfer Apps
Modern fintech apps make sending money from Ghana to the USA faster and cheaper. Popular platforms include:
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Wise (TransferWise): Transparent fees and best exchange rates.
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Sendwave: Simple mobile app, free or low fees.
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Remitly: Fast transfers with multiple delivery options.
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Processing time: Minutes to 2 days
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Fees: Often cheaper than banks
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Best for: Frequent transfers, students, and families
5. Cost Comparison
When comparing options, always consider:
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Transfer fee (fixed charge)
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Exchange rate (hidden costs are common)
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Speed (banks are slow, apps are fast)
👉 Cheapest option: Online apps like Wise or Sendwave
👉 Fastest option: Mobile money transfers with WorldRemit or Sendwave
👉 Most secure option: Bank transfers
6. Tips to Avoid Fraud
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Only use licensed transfer companies and official banking apps.
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Be cautious of scammers offering “fast dollar transfers” on social media.
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Always confirm the recipient’s details before sending.
Conclusion
The best way to send money from Ghana to the USA in 2025 depends on your needs. For quick and cheap transfers, services like Wise, Sendwave, or WorldRemit are highly recommended. For large and secure transactions, banks remain a good choice.
By comparing fees, speed, and convenience, you can choose the method that saves you money while ensuring safe delivery to your loved ones in the USA.
