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Send money internationally from Ghana

Send money internationally from Ghana

Grey lets you send money internationally from Ghana to the US, UK, Europe, Nigeria, and Kenya directly from your GHS balance. The live exchange rate and total fee are shown before you confirm. Fund via bank transfer or Mobile Money. Most transfers arrive within minutes. Grey operates through Bank of Ghana-licensed banking partners.
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Send money internationally from Ghana

Grey is an international money transfer app for people in Ghana who need to send money abroad. Fund your GHS balance via bank transfer from any Ghanaian bank or via MTN Mobile Money, Vodafone Cash, or AirtelTigo Money. See the live exchange rate and fee, and send to the US, UK, 30 European countries, Nigeria, or Kenya in minutes.

Grey operates through Bank of Ghana-licensed banking partners. Grey is a financial technology company, not a bank. Over 3 million people use Grey for international transfers and currency management.

Every transfer shows the full cost before you confirm. The exchange rate and the fee are on the same screen. What you see is what your recipient receives.

Grey foreign bank account in Ghana
Sign up
Open a free Grey account on your phone in under five minutes. Verify your identity with a valid Ghanaian ID such as a Ghana Card, passport, or voter ID.
Fund
Fund your Grey GHS balance via bank transfer from any Ghanaian bank, or via MTN Mobile Money, Vodafone Cash, or AirtelTigo Money.
Send
Choose the destination country, confirm the live exchange rate and fee, enter your recipient's details, and send. Most transfers arrive within minutes.

Which currencies does Grey support from Ghana?

Grey supports GHS to USD transfers to the United States, GHS to GBP to the United Kingdom, GHS to EUR to 30 European countries via SEPA, GHS to NGN to Nigeria, and GHS to KES to Kenya via M-Pesa or bank account. All transfers show the live rate and fee before you confirm.
On speed
Send GHS to GBP directly to any UK bank account via Faster Payments. Barclays, HSBC UK, Lloyds, NatWest, and all major UK banks supported. Typically arrives within minutes.
On cost
Send GHS to NGN directly to any Nigerian bank account via NIBSS , a direct intra-Africa corridor without routing through USD. GTBank, Access, Zenith, UBA, and First Bank supported. Typically arrives within minutes.
On transparency
GHS to USD, GBP, and EUR transfers have a conversion fee capped at $6. GHS to NGN and GHS to KES are direct intra-Africa corridors. Select your destination in the Grey app to see the live rate and exact fee.

How much does it cost to send money abroad

GHS to USD, GBP, and EUR are Group A currency pairs, which means Grey's conversion fee is capped at $6 regardless of the transfer amount. GHS to NGN and GHS to KES are direct intra-Africa corridors handled without routing through USD or GBP.

Send money from Ghana to United Kingdom
Send money from Ghana to United Kingdom
Send GHS to GBP directly to any UK bank account via Faster Payments. Barclays, HSBC UK, Lloyds, NatWest, and all major UK banks supported. Typically arrives within minutes.
Send money from Ghana to Nigeria
Send money from Ghana to Nigeria
Send GHS to NGN directly to any Nigerian bank account via NIBSS , a direct intra-Africa corridor without routing through USD. GTBank, Access, Zenith, UBA, and First Bank supported. Typically arrives within minutes.
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Bangladesh
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Uruguay

Best way to send money internationally from Ghana

If total cost matters most
Calculate what your recipient actually receives in their local currency. Grey shows the conversion fee and exchange rate together before you confirm. Both numbers are on the same screen. No calculator needed.
If speed matters most
Transfers to the UK and Europe typically arrive within minutes. Transfers to the US take 1-2 business days via ACH. Nigeria arrives within minutes via NIBSS. Kenya M-Pesa arrives in under a minute.
If you need more than just transfers
Grey is the only provider in this comparison that also gives you a multi-currency balance to hold USD, GBP, EUR, and NGN, virtual cards for online payments, and GreyTag for free transfers to other Grey users that typically arrive within seconds. One app, more than one job.
Bank of Ghana-licensed partners
Grey operates through Bank of Ghana-licensed banking partners. Grey is a financial technology company, not a bank. Every transfer is processed under Ghanaian financial regulations.

What currencies can I send from Ghana with Grey?

Grey supports GHS to USD (United States), GHS to GBP (United Kingdom), GHS to EUR (30 European countries via SEPA), GHS to NGN (Nigeria via NIBSS), and GHS to KES (Kenya via M-Pesa or bank account).

Fund your Grey account directly from your MTN MoMo wallet. The deposit clears quickly and your GHS balance is ready to send internationally.
Fund your Grey account via Vodafone Cash. Convenient for Vodafone subscribers who prefer to manage everything from their mobile wallet.
Western Union supports GHS transfers to cash pickup in some markets but charges a higher combined fee and exchange rate margin than Grey on most corridors. Grey delivers directly to bank accounts and mobile wallets with a transparent fee shown before you confirm.
PayPal and Xoom have limited support for GHS outbound transfers and are not available for most Ghana send corridors. Grey supports GHS transfers to the US, UK, Europe, Nigeria, and Kenya with the live rate and fee shown before every transfer.

FAQs

What countries can I send money to from Ghana with Grey?
expand
Grey supports GHS to USD transfers to the United States, GHS to GBP to the United Kingdom, GHS to EUR to 30 European countries via SEPA, GHS to NGN to Nigeria, and GHS to KES to Kenya via M-Pesa or bank account.
How do I send money internationally from Ghana with Grey?
expand
Open a free Grey account, verify your identity with a valid Ghanaian ID, fund your GHS balance via bank transfer or Mobile Money, confirm the live exchange rate and fee, enter your recipient's details, and send.
What are the fees for sending money from Ghana?
expand
Grey charges a conversion fee of 1% capped at $6 for USD, GBP, and EUR transfers, and 1% uncapped for NGN and KES. The withdrawal fee varies by destination. All fees are shown before you confirm.
How long does an international transfer from Ghana take?
expand
Transfers to the UK and Europe typically arrive within minutes. Transfers to the US take 1-2 business days via ACH. Nigeria transfers arrive within minutes via NIBSS. Kenya M-Pesa transfers arrive in under a minute.
Is Grey regulated in Ghana?
expand
Grey operates through Bank of Ghana-licensed banking partners. Grey is a financial technology company, not a bank. All transfers are processed under Ghanaian financial regulations.
Can I fund my Grey account using Mobile Money in Ghana?
expand
Yes. Grey supports funding via MTN Mobile Money, Vodafone Cash, and AirtelTigo Money. You can also fund via bank transfer from any major Ghanaian bank.
What is the exchange rate Grey uses for transfers from Ghana?
expand
Grey uses a live exchange rate shown in the app before you confirm your transfer. The rate at the time of confirmation is the rate applied. Both the rate and fee are shown separately before you send.
How much can I send internationally from Ghana with Grey?
expand
The daily limit is $10,000 equivalent and the monthly limit is $30,000 equivalent. Per-transfer limits vary by corridor and are shown in the Grey app.
Does Grey support intra-Africa transfers from Ghana?
expand
Yes. Grey supports GHS to NGN transfers to Nigeria and GHS to KES transfers to Kenya, both handled directly without routing through USD or GBP. Kenya M-Pesa delivery arrives in under a minute.
Can Ghanaian businesses use Grey for international payments?
expand
Yes. Grey supports business payments from Ghana to the US, UK, 30 European countries, Nigeria, and Kenya. Payments go to bank accounts without requiring a separate business account.
What Ghanaian banks and mobile wallets does Grey support for deposits?
expand
Grey supports deposits from all major Ghanaian banks including GCB Bank, Absa Ghana, Standard Chartered Ghana, and Ecobank Ghana. Mobile Money deposits are supported via MTN MoMo, Vodafone Cash, and AirtelTigo Money.

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